{"id":3858,"date":"2025-06-16T16:27:09","date_gmt":"2025-06-16T14:27:09","guid":{"rendered":"https:\/\/polisarium.ozx.pl\/nieskategoryzowane\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\/"},"modified":"2026-09-14T12:03:23","modified_gmt":"2026-09-14T10:03:23","slug":"health-insurance-for-foreigners-what-it-covers-and-what-it-doesnt-cover","status":"publish","type":"post","link":"https:\/\/polisarium.pl\/en\/poradnik\/ciekawostki-ubezpieczeniowe\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\/","title":{"rendered":"Health Insurance for Foreigners \u2013 What Does It Cover, and What Doesn't It Cover?"},"content":{"rendered":"<h2 class=\"wp-block-heading\">Health Insurance \u2013 Basic Coverage for Foreigners<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Health insurance is an essential part of any foreigner\u2019s stay in Poland. In 2025, its importance increased, both due to the formal requirements for legalizing one\u2019s stay and the rising costs of health care services. <a href=\"\/en\/travel-health-and-corporate-life\/insurance-for-foreigners-required-for-visas-and-residence-cards\/\">Health Insurance for Foreigners<\/a> It can take various forms\u2014ranging from commercial private policies to voluntary insurance through the National Health Fund (NFZ), and even group insurance provided by employers or universities.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What does health insurance for foreigners cover?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The scope of coverage depends on the type of policy you choose. Standard <a href=\"\/en\/guide\/kl-health-insurance-for-foreigners-what-it-is-and-when-it-is-required\/\">Health Insurance for Foreigners<\/a> includes: \u2013 outpatient medical treatment costs, \u2013 hospitalization in the event of a sudden illness or accident, \u2013 emergency medical services, \u2013 purchase of prescription medications, \u2013 diagnostic tests, \u2013 medical transport or repatriation, \u2013 emergency dental treatment, \u2013 24\/7 assistance (in select policies).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Insurance Policy for Foreigners \u2013 Most Common Coverages<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Many insurance companies offer coverage extensions for: \u2013 accidental injury (NNW), \u2013 civil liability (OC), \u2013 psychological counseling, \u2013 pregnancy and childbirth, \u2013 chronic illnesses (for an additional fee). When choosing <a href=\"\/en\/guide\/insurance-for-foreigners-in-poland-how-it-works-and-how-much-it-costs\/\">insurance for a foreign national<\/a>, it's worth considering whether it covers the specific needs of the person in question\u2014for example, if they are pregnant, a student, do physical labor, or are planning a longer stay.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is not covered by health insurance for foreigners?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Although the scope of coverage is broad, there are significant exclusions. In 2025, most policies do not cover: \u2013 treatment of chronic conditions (without an extension), \u2013 psychiatric or addiction treatment, \u2013 elective surgeries, \u2013 rehabilitation services, \u2013 pregnancy after the 24th week (unless an additional rider has been purchased), \u2013 dental treatment except in cases of pain, \u2013 treatment related to epidemics or pandemics (some policies may exclude COVID-19), \u2013 costs resulting from self-inflicted injuries, acts of war, or extreme sports.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Voluntary Health Insurance Through the National Health Fund (NFZ) \u2013 Coverage and Limitations<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"\/en\/guide\/health-insurance-for-foreigners-what-you-should-know-before-coming-to-poland\/\">Voluntary Health Insurance for Foreign Nationals<\/a> Under the National Health Fund (NFZ), it provides access to public healthcare facilities\u2014primary care, hospitals, and specialty clinics\u2014but there is a waiting period (30 days) and coverage does not extend to certain services (e.g., cosmetic medicine, orthodontics). It also does not cover emergency medical services within the EU or transportation back to the country of origin.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Health Insurance for Children of Foreign Nationals<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Children of foreign nationals must also have a valid <a href=\"\/en\/guide\/health-insurance-residence-card-the-most-important-formalities\/\">Health insurance for a residence card<\/a>, regardless of whether the parent has private insurance or is enrolled in the National Health Fund (NFZ). The lack of such coverage results in problems with access to a pediatrician, enrollment in school, or admission to childcare facilities.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">KL Insurance and Visas and Legalization of Residence<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Policy <a href=\"\/en\/guide\/kl-travel-insurance-for-foreigners-when-and-why-it-is-mandatory\/\">Medical Expense Insurance for Foreigners<\/a> It is mandatory when submitting a visa application (Schengen or national), as well as when applying for a residence permit. It must meet specific requirements: \u2013 a minimum coverage of 30,000 EUR, \u2013 coverage of rescue and hospitalization costs, \u2013 no deductible, \u2013 territorial coverage including Poland or the EU, \u2013 proof of payment and a translation into Polish.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Insurance and Working in Poland<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A foreigner working legally in Poland should be registered with ZUS by their employer, which means they have access to full medical benefits. However, in practice, many employees\u2014especially seasonal workers\u2014are not insured, so it\u2019s a good idea to purchase <a href=\"\/en\/guide\/health-insurance-for-foreigners-in-poland-who-must-have-it-and-how-to-obtain-it\/\">Health Insurance for Foreigners<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How can I check whether my policy covers the benefits I need?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You should always read the General Insurance Terms and Conditions (OWU) carefully and make sure that: \u2013 the sum insured is sufficient, \u2013 there are no age restrictions, \u2013 there are no exclusions that might apply to your situation, \u2013 benefits are available without a waiting period, \u2013 the hotline can be contacted in English or Ukrainian.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Where can a foreigner buy the best health insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s best to use comparison sites that include health insurance plans for foreigners that are accepted by Polish authorities, provide translations of the general terms and conditions, and offer the option to purchase online. It\u2019s also worth paying attention to the helpline\u2019s response time, the ability to file a claim online, and the scope of customer service.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Most Common Pitfalls and Mistakes When Choosing Insurance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u2013 choosing the cheapest policy without emergency rescue coverage, \u2013 no medical transport back to the home country, \u2013 a policy valid for only a few days, \u2013 documentation available only in English, \u2013 no General Terms and Conditions in Polish (government agencies reject the application).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why is it worth having extended coverage?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">People planning a longer stay, physical labor, driving, or participating in recreational sports should consider expanding their coverage to include liability insurance, accident insurance, and psychological support. It\u2019s a small additional cost compared to the potential expenses.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Is it possible to purchase insurance before arrival?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yes\u2014and it\u2019s highly recommended. Medical insurance purchased before crossing the border provides coverage from the first day of your stay and often offers better financial terms. What\u2019s more, it\u2019s required by border control and consulates.<\/p>","protected":false},"excerpt":{"rendered":"<p>Health insurance is an essential part of any foreigner\u2019s stay in Poland. In 2025, its importance increased, both due to the formal requirements for legalizing one\u2019s stay and the rising costs of healthcare services. Health insurance for foreigners can take the form of<\/p>","protected":false},"author":1,"featured_media":3748,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[46],"tags":[65,66,63,64,62],"class_list":["post-3858","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ciekawostki-ubezpieczeniowe","tag-karta-pobytu","tag-nfz","tag-ubezpieczenie-dla-cudzoziemcow","tag-ubezpieczenie-kl","tag-ubezpieczenie-zdrowotne"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Ubezpieczenie medyczne dla obcokrajowc\u00f3w \u2013 co obejmuje i czego nie pok<\/title>\n<meta name=\"description\" content=\"Ubezpieczenie medyczne \u2013 podstawowa ochrona dla cudzoziemc\u00f3w Ubezpieczenie medyczne to niezb\u0119dny element pobytu ka\u017cdego cudzoziemca w Polsce. W 2025 roku jego z\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/polisarium.pl\/en\/guide\/interesting-facts-about-insurance\/health-insurance-for-foreigners-what-it-covers-and-what-it-doesnt-cover\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ubezpieczenie medyczne dla obcokrajowc\u00f3w \u2013 co obejmuje i czego nie pokrywa?\" \/>\n<meta property=\"og:description\" content=\"Ubezpieczenie medyczne \u2013 podstawowa ochrona dla cudzoziemc\u00f3w Ubezpieczenie medyczne to niezb\u0119dny element pobytu ka\u017cdego cudzoziemca w Polsce. W 2025 roku jego z\" \/>\n<meta property=\"og:url\" content=\"https:\/\/polisarium.pl\/en\/guide\/interesting-facts-about-insurance\/health-insurance-for-foreigners-what-it-covers-and-what-it-doesnt-cover\/\" \/>\n<meta property=\"og:site_name\" content=\"Polisarium - TANIE UBEZPIECZENIA OC AC tel.: 22 299 11 11\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/POLISARIUM\" \/>\n<meta property=\"article:published_time\" content=\"2025-06-16T14:27:09+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-14T10:03:23+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/07\/ubezpieczenie_medyczne_dla_obcokrajowcow.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1536\" \/>\n\t<meta property=\"og:image:height\" content=\"1024\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ciekawostki-ubezpieczeniowe\\\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ciekawostki-ubezpieczeniowe\\\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\\\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/#\\\/schema\\\/person\\\/c659ae0a7599f1b7652d1a26acb78783\"},\"headline\":\"Ubezpieczenie medyczne dla obcokrajowc\u00f3w \u2013 co obejmuje i czego nie pokrywa?\",\"datePublished\":\"2025-06-16T14:27:09+00:00\",\"dateModified\":\"2026-09-14T10:03:23+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ciekawostki-ubezpieczeniowe\\\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\\\/\"},\"wordCount\":814,\"publisher\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ciekawostki-ubezpieczeniowe\\\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/ubezpieczenie_medyczne_dla_obcokrajowcow.webp\",\"keywords\":[\"karta pobytu\",\"NFZ\",\"ubezpieczenie dla cudzoziemc\u00f3w\",\"ubezpieczenie KL\",\"ubezpieczenie zdrowotne\"],\"articleSection\":[\"Ciekawostki ubezpieczeniowe\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ciekawostki-ubezpieczeniowe\\\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\\\/\",\"url\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ciekawostki-ubezpieczeniowe\\\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\\\/\",\"name\":\"Ubezpieczenie medyczne dla obcokrajowc\u00f3w \u2013 co obejmuje i czego nie pok\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ciekawostki-ubezpieczeniowe\\\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ciekawostki-ubezpieczeniowe\\\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/ubezpieczenie_medyczne_dla_obcokrajowcow.webp\",\"datePublished\":\"2025-06-16T14:27:09+00:00\",\"dateModified\":\"2026-09-14T10:03:23+00:00\",\"description\":\"Ubezpieczenie medyczne \u2013 podstawowa ochrona dla cudzoziemc\u00f3w Ubezpieczenie medyczne to niezb\u0119dny element pobytu ka\u017cdego cudzoziemca w Polsce. W 2025 roku jego z\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ciekawostki-ubezpieczeniowe\\\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ciekawostki-ubezpieczeniowe\\\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ciekawostki-ubezpieczeniowe\\\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\\\/#primaryimage\",\"url\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/ubezpieczenie_medyczne_dla_obcokrajowcow.webp\",\"contentUrl\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/ubezpieczenie_medyczne_dla_obcokrajowcow.webp\",\"width\":1536,\"height\":1024},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ciekawostki-ubezpieczeniowe\\\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Strona g\u0142\u00f3wna\",\"item\":\"https:\\\/\\\/polisarium.pl\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Ubezpieczenie medyczne dla obcokrajowc\u00f3w \u2013 co obejmuje i czego nie pokrywa?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/\",\"name\":\"Polisarium\",\"description\":\"Ubezpieczenia online - samochod, dom, zdrowie, turystyka, firma\",\"publisher\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/#organization\",\"name\":\"Polisarium sp. z o.o.\",\"alternateName\":\"Polisarium\",\"url\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/logo.webp\",\"contentUrl\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/logo.webp\",\"width\":244,\"height\":68,\"caption\":\"Polisarium sp. z o.o.\"},\"image\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/POLISARIUM\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/#\\\/schema\\\/person\\\/c659ae0a7599f1b7652d1a26acb78783\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/litespeed\\\/avatar\\\/c2f0754339ea811cbcd5e0408d39b070.jpg?ver=1793449238\",\"url\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/litespeed\\\/avatar\\\/c2f0754339ea811cbcd5e0408d39b070.jpg?ver=1793449238\",\"contentUrl\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/litespeed\\\/avatar\\\/c2f0754339ea811cbcd5e0408d39b070.jpg?ver=1793449238\",\"caption\":\"admin\"},\"sameAs\":[\"https:\\\/\\\/polisarium.pl\"]}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Health Insurance for Foreigners \u2013 What It Covers and What It Doesn't Cover","description":"Health Insurance \u2013 Basic Coverage for Foreigners Health insurance is an essential part of any foreigner\u2019s stay in Poland. In 2025, its z","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/polisarium.pl\/en\/guide\/interesting-facts-about-insurance\/health-insurance-for-foreigners-what-it-covers-and-what-it-doesnt-cover\/","og_locale":"en_US","og_type":"article","og_title":"Ubezpieczenie medyczne dla obcokrajowc\u00f3w \u2013 co obejmuje i czego nie pokrywa?","og_description":"Ubezpieczenie medyczne \u2013 podstawowa ochrona dla cudzoziemc\u00f3w Ubezpieczenie medyczne to niezb\u0119dny element pobytu ka\u017cdego cudzoziemca w Polsce. W 2025 roku jego z","og_url":"https:\/\/polisarium.pl\/en\/guide\/interesting-facts-about-insurance\/health-insurance-for-foreigners-what-it-covers-and-what-it-doesnt-cover\/","og_site_name":"Polisarium - TANIE UBEZPIECZENIA OC AC tel.: 22 299 11 11","article_publisher":"https:\/\/www.facebook.com\/POLISARIUM","article_published_time":"2025-06-16T14:27:09+00:00","article_modified_time":"2026-09-14T10:03:23+00:00","og_image":[{"width":1536,"height":1024,"url":"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/07\/ubezpieczenie_medyczne_dla_obcokrajowcow.webp","type":"image\/webp"}],"author":"admin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"admin","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/polisarium.pl\/en\/poradnik\/ciekawostki-ubezpieczeniowe\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\/#article","isPartOf":{"@id":"https:\/\/polisarium.pl\/en\/poradnik\/ciekawostki-ubezpieczeniowe\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\/"},"author":{"name":"admin","@id":"https:\/\/polisarium.pl\/en\/#\/schema\/person\/c659ae0a7599f1b7652d1a26acb78783"},"headline":"Ubezpieczenie medyczne dla obcokrajowc\u00f3w \u2013 co obejmuje i czego nie pokrywa?","datePublished":"2025-06-16T14:27:09+00:00","dateModified":"2026-09-14T10:03:23+00:00","mainEntityOfPage":{"@id":"https:\/\/polisarium.pl\/en\/poradnik\/ciekawostki-ubezpieczeniowe\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\/"},"wordCount":814,"publisher":{"@id":"https:\/\/polisarium.pl\/en\/#organization"},"image":{"@id":"https:\/\/polisarium.pl\/en\/poradnik\/ciekawostki-ubezpieczeniowe\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\/#primaryimage"},"thumbnailUrl":"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/07\/ubezpieczenie_medyczne_dla_obcokrajowcow.webp","keywords":["karta pobytu","NFZ","ubezpieczenie dla cudzoziemc\u00f3w","ubezpieczenie KL","ubezpieczenie zdrowotne"],"articleSection":["Ciekawostki ubezpieczeniowe"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/polisarium.pl\/en\/poradnik\/ciekawostki-ubezpieczeniowe\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\/","url":"https:\/\/polisarium.pl\/en\/poradnik\/ciekawostki-ubezpieczeniowe\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\/","name":"Health Insurance for Foreigners \u2013 What It Covers and What It Doesn't Cover","isPartOf":{"@id":"https:\/\/polisarium.pl\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/polisarium.pl\/en\/poradnik\/ciekawostki-ubezpieczeniowe\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\/#primaryimage"},"image":{"@id":"https:\/\/polisarium.pl\/en\/poradnik\/ciekawostki-ubezpieczeniowe\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\/#primaryimage"},"thumbnailUrl":"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/07\/ubezpieczenie_medyczne_dla_obcokrajowcow.webp","datePublished":"2025-06-16T14:27:09+00:00","dateModified":"2026-09-14T10:03:23+00:00","description":"Health Insurance \u2013 Basic Coverage for Foreigners Health insurance is an essential part of any foreigner\u2019s stay in Poland. In 2025, its z","breadcrumb":{"@id":"https:\/\/polisarium.pl\/en\/poradnik\/ciekawostki-ubezpieczeniowe\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/polisarium.pl\/en\/poradnik\/ciekawostki-ubezpieczeniowe\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/polisarium.pl\/en\/poradnik\/ciekawostki-ubezpieczeniowe\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\/#primaryimage","url":"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/07\/ubezpieczenie_medyczne_dla_obcokrajowcow.webp","contentUrl":"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/07\/ubezpieczenie_medyczne_dla_obcokrajowcow.webp","width":1536,"height":1024},{"@type":"BreadcrumbList","@id":"https:\/\/polisarium.pl\/en\/poradnik\/ciekawostki-ubezpieczeniowe\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Strona g\u0142\u00f3wna","item":"https:\/\/polisarium.pl\/"},{"@type":"ListItem","position":2,"name":"Ubezpieczenie medyczne dla obcokrajowc\u00f3w \u2013 co obejmuje i czego nie pokrywa?"}]},{"@type":"WebSite","@id":"https:\/\/polisarium.pl\/en\/#website","url":"https:\/\/polisarium.pl\/en\/","name":"Polisarium","description":"Online insurance - car, home, health, tourism, business","publisher":{"@id":"https:\/\/polisarium.pl\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/polisarium.pl\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/polisarium.pl\/en\/#organization","name":"Polisarium sp. z o.o.","alternateName":"Polisarium","url":"https:\/\/polisarium.pl\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/polisarium.pl\/en\/#\/schema\/logo\/image\/","url":"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/10\/logo.webp","contentUrl":"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/10\/logo.webp","width":244,"height":68,"caption":"Polisarium sp. z o.o."},"image":{"@id":"https:\/\/polisarium.pl\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/POLISARIUM"]},{"@type":"Person","@id":"https:\/\/polisarium.pl\/en\/#\/schema\/person\/c659ae0a7599f1b7652d1a26acb78783","name":"admin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/polisarium.pl\/wp-content\/litespeed\/avatar\/c2f0754339ea811cbcd5e0408d39b070.jpg?ver=1793449238","url":"https:\/\/polisarium.pl\/wp-content\/litespeed\/avatar\/c2f0754339ea811cbcd5e0408d39b070.jpg?ver=1793449238","contentUrl":"https:\/\/polisarium.pl\/wp-content\/litespeed\/avatar\/c2f0754339ea811cbcd5e0408d39b070.jpg?ver=1793449238","caption":"admin"},"sameAs":["https:\/\/polisarium.pl"]}]}},"taxonomy_info":{"category":[{"value":46,"label":"Ciekawostki ubezpieczeniowe"}],"post_tag":[{"value":65,"label":"karta pobytu"},{"value":66,"label":"NFZ"},{"value":63,"label":"ubezpieczenie dla cudzoziemc\u00f3w"},{"value":64,"label":"ubezpieczenie KL"},{"value":62,"label":"ubezpieczenie zdrowotne"}]},"featured_image_src_large":["https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/07\/ubezpieczenie_medyczne_dla_obcokrajowcow-1024x683.webp",1024,683,true],"author_info":{"display_name":"admin","author_link":"https:\/\/polisarium.pl\/en\/author\/poliseo\/"},"comment_info":0,"category_info":[{"term_id":46,"name":"Ciekawostki ubezpieczeniowe","slug":"ciekawostki-ubezpieczeniowe","term_group":0,"term_taxonomy_id":46,"taxonomy":"category","description":"Ciekawostki i praktyczne wskaz\u00f3wki ze \u015bwiata ubezpiecze\u0144: jak dzia\u0142aj\u0105 polisy, na co zwr\u00f3ci\u0107 uwag\u0119 przy wyborze i jakie obowi\u0105zki maj\u0105 ubezpieczeni, tak\u017ce cudzoziemcy mieszkaj\u0105cy w Polsce. Kr\u00f3tko i bez \u017cargonu, \u017ceby \u0142atwiej by\u0142o podj\u0105\u0107 dobr\u0105 decyzj\u0119.","parent":0,"count":18,"filter":"raw","cat_ID":46,"category_count":18,"category_description":"Ciekawostki i praktyczne wskaz\u00f3wki ze \u015bwiata ubezpiecze\u0144: jak dzia\u0142aj\u0105 polisy, na co zwr\u00f3ci\u0107 uwag\u0119 przy wyborze i jakie obowi\u0105zki maj\u0105 ubezpieczeni, tak\u017ce cudzoziemcy mieszkaj\u0105cy w Polsce. Kr\u00f3tko i bez \u017cargonu, \u017ceby \u0142atwiej by\u0142o podj\u0105\u0107 dobr\u0105 decyzj\u0119.","cat_name":"Ciekawostki ubezpieczeniowe","category_nicename":"ciekawostki-ubezpieczeniowe","category_parent":0}],"tag_info":[{"term_id":65,"name":"karta pobytu","slug":"karta-pobytu","term_group":0,"term_taxonomy_id":65,"taxonomy":"post_tag","description":"Poradniki i praktyczne informacje dotycz\u0105ce: karta pobytu, w tym \u201eBez ubezpieczenia ani rusz \u2013 jak cudzoziemcy mog\u0105 legalnie korzysta\u0107 z leczenia w Polsce?\u201d.","parent":0,"count":97,"filter":"raw"},{"term_id":66,"name":"NFZ","slug":"nfz","term_group":0,"term_taxonomy_id":66,"taxonomy":"post_tag","description":"Poradniki i praktyczne informacje dotycz\u0105ce: NFZ, w tym \u201eBez ubezpieczenia ani rusz \u2013 jak cudzoziemcy mog\u0105 legalnie korzysta\u0107 z leczenia w Polsce?\u201d.","parent":0,"count":63,"filter":"raw"},{"term_id":63,"name":"ubezpieczenie dla cudzoziemc\u00f3w","slug":"ubezpieczenie-dla-cudzoziemcow","term_group":0,"term_taxonomy_id":63,"taxonomy":"post_tag","description":"Poradniki i praktyczne informacje dotycz\u0105ce: ubezpieczenie dla cudzoziemc\u00f3w, w tym \u201eBez ubezpieczenia ani rusz \u2013 jak cudzoziemcy mog\u0105 legalnie korzysta\u0107 z lecze","parent":0,"count":100,"filter":"raw"},{"term_id":64,"name":"ubezpieczenie KL","slug":"ubezpieczenie-kl","term_group":0,"term_taxonomy_id":64,"taxonomy":"post_tag","description":"Poradniki i praktyczne informacje dotycz\u0105ce: ubezpieczenie KL, w tym \u201eBez ubezpieczenia ani rusz \u2013 jak cudzoziemcy mog\u0105 legalnie korzysta\u0107 z leczenia w Polsce?\u201d","parent":0,"count":78,"filter":"raw"},{"term_id":62,"name":"ubezpieczenie zdrowotne","slug":"ubezpieczenie-zdrowotne","term_group":0,"term_taxonomy_id":62,"taxonomy":"post_tag","description":"Poradniki i praktyczne informacje dotycz\u0105ce: ubezpieczenie zdrowotne, w tym \u201eBez ubezpieczenia ani rusz \u2013 jak cudzoziemcy mog\u0105 legalnie korzysta\u0107 z leczenia w P","parent":0,"count":101,"filter":"raw"}],"_links":{"self":[{"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/posts\/3858","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/comments?post=3858"}],"version-history":[{"count":1,"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/posts\/3858\/revisions"}],"predecessor-version":[{"id":4000,"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/posts\/3858\/revisions\/4000"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/media\/3748"}],"wp:attachment":[{"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/media?parent=3858"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/categories?post=3858"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/tags?post=3858"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}