{"id":3859,"date":"2025-07-08T14:34:01","date_gmt":"2025-07-08T12:34:01","guid":{"rendered":"https:\/\/polisarium.ozx.pl\/nieskategoryzowane\/ubezpieczenie-turystyczne-czy-zdrowotne-co-wybrac-jako-cudzoziemiec-w-polsce\/"},"modified":"2026-10-24T14:03:29","modified_gmt":"2026-10-24T12:03:29","slug":"travel-insurance-or-health-insurance-which-should-you-choose-as-a-foreigner-in-poland","status":"publish","type":"post","link":"https:\/\/polisarium.pl\/en\/poradnik\/ubezpieczenie-cudzoziemca\/ubezpieczenie-turystyczne-czy-zdrowotne-co-wybrac-jako-cudzoziemiec-w-polsce\/","title":{"rendered":"Travel Insurance or Health Insurance\u2014Which Should You Choose as a Foreigner in Poland?"},"content":{"rendered":"<h2 class=\"wp-block-heading\">When is travel insurance sufficient?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you are coming to Poland for a short period\u2014for example, for tourism, business, to visit friends or family, or to attend cultural events\u2014the appropriate option would be <a href=\"\/en\/travel-health-and-corporate-life\/insurance-for-foreigners-required-for-visas-and-residence-cards\/\">KL Travel Insurance for Foreigners<\/a>. This type of policy covers:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>medical expenses in the event of a sudden illness or accident,<\/li>\n\n\n<li>medical transport and return to the home country,<\/li>\n\n\n<li>Optional accident insurance and personal liability insurance.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This solution meets the entry requirements for a Schengen visa and is often required as early as the visa application stage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">When do you need health insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">For people planning a longer stay\u2014for example, for work, study, or family life\u2014it will be necessary to <a href=\"\/en\/guide\/health-insurance-for-foreigners-in-poland-who-must-have-it-and-how-to-obtain-it\/\">Health Insurance for Foreigners in Poland<\/a>. There are two possibilities:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>voluntary health insurance through the National Health Fund (NFZ),<\/li>\n\n\n<li>Private health insurance for foreigners.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Health insurance is required to obtain or renew <strong>residence cards<\/strong>. What's more, it provides access to public health care and makes it much easier to go about daily life in Poland.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Key Differences \u2013 A Comparison<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Travel insurance<\/strong> It applies only in emergency situations and is valid for a limited time. <strong>Health Insurance<\/strong> On the other hand, it provides a broader range of medical care and is required to legalize your stay. If you\u2019re not sure which one to choose, the answer depends on the purpose and length of your stay in Poland.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Where can I find the best deals?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Whether you're interested in health insurance for your residence permit or standard travel insurance, check out the available options on the website <a href=\"\/en\/travel-health-and-corporate-life\/insurance-for-foreigners-required-for-visas-and-residence-cards\/\">polisarium.pl<\/a>. There you'll find options tailored to various needs and legal requirements.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">It's worth learning more<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You can also find additional information and practical tips in the following articles:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"\/en\/guide\/kl-travel-insurance-for-foreigners-when-and-why-it-is-mandatory\/\">KL Travel Insurance for Foreigners \u2013 When and Why Is It Mandatory?<\/a><\/li>\n\n\n<li><a href=\"\/en\/guide\/kl-health-insurance-for-foreigners-what-it-is-and-when-it-is-required\/\">KL Health Insurance for Foreigners \u2013 What Is It and When Is It Required?<\/a><\/li>\n\n\n<li><a href=\"\/en\/guide\/insurance-for-foreigners-in-poland-how-it-works-and-how-much-it-costs\/\">Insurance for Foreigners in Poland \u2013 How It Works and How Much It Costs<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">By choosing the right policy, you gain not only a sense of security but also legal residency in Poland\u2014without stress or surprises.<\/p>","protected":false},"excerpt":{"rendered":"<p>If you are coming to Poland for a short period\u2014for example, for tourism, business, to visit friends or family, or to attend cultural events\u2014KL travel insurance for foreigners is the right choice for you. This type of policy covers:<\/p>","protected":false},"author":1,"featured_media":3752,"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":[51],"tags":[65,66,63,64,62],"class_list":["post-3859","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ubezpieczenie-cudzoziemca","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 turystyczne czy zdrowotne \u2013 co wybra\u0107 jako cudzoziemiec<\/title>\n<meta name=\"description\" content=\"Planujesz przyjazd do Polski jako cudzoziemiec? Jednym z pierwszych krok\u00f3w, jakie powiniene\u015b podj\u0105\u0107, jest wyb\u00f3r odpowiedniego ubezpieczenia. Ale co wybra\u0107 \u2013 ube\" \/>\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\/insurance-for-a-foreign-national\/travel-insurance-or-health-insurance-which-should-you-choose-as-a-foreigner-in-poland\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ubezpieczenie turystyczne czy zdrowotne \u2013 co wybra\u0107 jako cudzoziemiec w Polsce?\" \/>\n<meta property=\"og:description\" content=\"Planujesz przyjazd do Polski jako cudzoziemiec? Jednym z pierwszych krok\u00f3w, jakie powiniene\u015b podj\u0105\u0107, jest wyb\u00f3r odpowiedniego ubezpieczenia. 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