{"id":3878,"date":"2025-03-26T10:02:18","date_gmt":"2025-03-26T09:02:18","guid":{"rendered":"https:\/\/polisarium.ozx.pl\/nieskategoryzowane\/ubezpieczenie-zdrowotne-kl-dla-cudzoziemcow-co-jest-i-kiedy-jest-wymagane\/"},"modified":"2026-09-14T12:18:20","modified_gmt":"2026-09-14T10:18:20","slug":"kl-health-insurance-for-foreigners-what-it-is-and-when-it-is-required","status":"publish","type":"post","link":"https:\/\/polisarium.pl\/en\/poradnik\/ubezpieczenie-cudzoziemca\/ubezpieczenie-zdrowotne-kl-dla-cudzoziemcow-co-jest-i-kiedy-jest-wymagane\/","title":{"rendered":"KL Health Insurance for Foreigners \u2013 What Is It and When Is It Required?"},"content":{"rendered":"<h2 class=\"wp-block-heading\">What is KL insurance for foreigners?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">KL Insurance, or <strong>medical expense insurance<\/strong>, is the basic form of health coverage for people traveling abroad\u2014including <strong>foreigners coming to Poland<\/strong>. It provides protection against high medical costs in the event of a sudden illness, accident, hospitalization, or medical transport.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This policy is <strong>required by government offices and consulates<\/strong> in the case of:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>submitting an application for <strong>Schengen visa<\/strong>,<\/li>\n\n\n<li>applying for <strong>a Type D national visa<\/strong>,<\/li>\n\n\n<li>applying for <strong>residence card<\/strong>,<\/li>\n\n\n<li>extension of legal residence in Poland.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">When is KL insurance mandatory?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You must have medical expense insurance if:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>You are not covered by the public health care system<\/strong> (e.g., NFZ),<\/li>\n\n\n<li><strong>You are applying for a visa or a residence permit<\/strong>,<\/li>\n\n\n<li><strong>You are in Poland for tourism, educational, professional, or family reasons<\/strong>,<\/li>\n\n\n<li><strong>You are waiting for a decision from the provincial office<\/strong> regarding the legalization of residence.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Failure to have adequate insurance may result in <strong>rejection of a visa or residence application<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What does KL insurance cover?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The scope of KL insurance coverage may vary depending on the company and plan, but it most often includes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>medical consultations (including specialist consultations),<\/li>\n\n\n<li>hospitalization and life-saving procedures,<\/li>\n\n\n<li>diagnostic tests,<\/li>\n\n\n<li>purchase of medications prescribed by a doctor,<\/li>\n\n\n<li>medical transport to a facility or to the country of origin,<\/li>\n\n\n<li>Emergency interpreter assistance (optional).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The minimum coverage amount required by EU regulations is <strong>30,000 euros<\/strong>, but it's a good idea to choose a higher level of coverage, especially for longer stays.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What are the benefits of having KL insurance?<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Legality of Residence<\/strong> \u2013 meets the requirements of immigration law.<\/li>\n\n\n<li><strong>Health and Safety<\/strong> \u2013 protects against high medical costs.<\/li>\n\n\n<li><strong>Emergency Medical Care<\/strong> \u2013 access to private facilities without waiting in line.<\/li>\n\n\n<li><strong>Emergency Protection<\/strong> \u2013 It also operates at night, on holidays, and outside the city.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Where can a foreigner purchase KL health insurance?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"\/en\/travel-health-and-corporate-life\/insurance-for-foreigners-required-for-visas-and-residence-cards\/\">KL Insurance for Foreigners<\/a> You can buy insurance online\u2014in just a few minutes, without leaving home. It\u2019s important to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>choose a policy from <strong>a reputable insurer<\/strong> (e.g., Inter Polska, Compensa, PZU),<\/li>\n\n\n<li>check whether the documents are <strong>accepted by government offices and consulates<\/strong>,<\/li>\n\n\n<li>make sure you receive <strong>the policy immediately after purchase<\/strong> (PDF with an electronic signature).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>On the website <a href=\"\">Polisarium.pl<\/a><\/strong> You'll find proven, ready-to-use options for foreign nationals\u2014ones that meet the requirements for visas and residence permits.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What documents are required for KL health insurance for foreign nationals?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">To purchase KL insurance, you usually just need to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>first and last name,<\/li>\n\n\n<li>date of birth,<\/li>\n\n\n<li>country of origin,<\/li>\n\n\n<li>planned date of stay in Poland,<\/li>\n\n\n<li>Email (to receive the policy).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">The Most Common Mistakes When Purchasing KL Health Insurance for Foreigners<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Choosing a sum insured that is too low (less than 30,000 EUR),<\/li>\n\n\n<li>The insured person's last name is missing from the document,<\/li>\n\n\n<li>The policy does not include a clause covering medical and hospitalization costs,<\/li>\n\n\n<li>If there is no version of the document in Polish or English, the agency may not accept it.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">KL insurance is not just a formality, but genuine health coverage for foreigners staying in Poland. It\u2019s a good idea to secure the right policy before entering the country\u2014it\u2019s a requirement for obtaining a visa, a residence permit, and your safety.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">See also:\u00a0<br>\n\u2013\u00a0<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 \u2013 Who Is Required to Have It and How Can You Get It?<\/a><br><\/p>","protected":false},"excerpt":{"rendered":"<p>KL insurance, or medical expense insurance, is the basic form of health coverage for people staying abroad\u2014including foreign nationals visiting Poland. It provides protection against high medical costs in the event of a sudden illness, accident, or hos<\/p>","protected":false},"author":1,"featured_media":3763,"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-3878","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 zdrowotne KL dla cudzoziemc\u00f3w \u2013 co to jest i kiedy jest<\/title>\n<meta name=\"description\" content=\"as\" \/>\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\/kl-health-insurance-for-foreigners-what-it-is-and-when-it-is-required\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ubezpieczenie zdrowotne KL dla cudzoziemc\u00f3w \u2013 co to jest i kiedy jest wymagane?\" \/>\n<meta property=\"og:description\" content=\"as\" \/>\n<meta property=\"og:url\" content=\"https:\/\/polisarium.pl\/en\/guide\/insurance-for-a-foreign-national\/kl-health-insurance-for-foreigners-what-it-is-and-when-it-is-required\/\" \/>\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=\"2025-03-26T09:02:18+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-14T10:18:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/07\/ubezpieczenie_udzoziemcow_0.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=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ubezpieczenie-cudzoziemca\\\/ubezpieczenie-zdrowotne-kl-dla-cudzoziemcow-co-jest-i-kiedy-jest-wymagane\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ubezpieczenie-cudzoziemca\\\/ubezpieczenie-zdrowotne-kl-dla-cudzoziemcow-co-jest-i-kiedy-jest-wymagane\\\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/#\\\/schema\\\/person\\\/c659ae0a7599f1b7652d1a26acb78783\"},\"headline\":\"Ubezpieczenie zdrowotne KL dla cudzoziemc\u00f3w \u2013 co to jest i kiedy jest wymagane?\",\"datePublished\":\"2025-03-26T09:02:18+00:00\",\"dateModified\":\"2026-09-14T10:18:20+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ubezpieczenie-cudzoziemca\\\/ubezpieczenie-zdrowotne-kl-dla-cudzoziemcow-co-jest-i-kiedy-jest-wymagane\\\/\"},\"wordCount\":516,\"publisher\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ubezpieczenie-cudzoziemca\\\/ubezpieczenie-zdrowotne-kl-dla-cudzoziemcow-co-jest-i-kiedy-jest-wymagane\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/ubezpieczenie_udzoziemcow_0.webp\",\"keywords\":[\"karta pobytu\",\"NFZ\",\"ubezpieczenie dla cudzoziemc\u00f3w\",\"ubezpieczenie KL\",\"ubezpieczenie zdrowotne\"],\"articleSection\":[\"Ubezpieczenie cudzoziemca\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ubezpieczenie-cudzoziemca\\\/ubezpieczenie-zdrowotne-kl-dla-cudzoziemcow-co-jest-i-kiedy-jest-wymagane\\\/\",\"url\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ubezpieczenie-cudzoziemca\\\/ubezpieczenie-zdrowotne-kl-dla-cudzoziemcow-co-jest-i-kiedy-jest-wymagane\\\/\",\"name\":\"Ubezpieczenie zdrowotne KL dla cudzoziemc\u00f3w \u2013 co to jest i kiedy jest\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ubezpieczenie-cudzoziemca\\\/ubezpieczenie-zdrowotne-kl-dla-cudzoziemcow-co-jest-i-kiedy-jest-wymagane\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ubezpieczenie-cudzoziemca\\\/ubezpieczenie-zdrowotne-kl-dla-cudzoziemcow-co-jest-i-kiedy-jest-wymagane\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/ubezpieczenie_udzoziemcow_0.webp\",\"datePublished\":\"2025-03-26T09:02:18+00:00\",\"dateModified\":\"2026-09-14T10:18:20+00:00\",\"description\":\"as\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ubezpieczenie-cudzoziemca\\\/ubezpieczenie-zdrowotne-kl-dla-cudzoziemcow-co-jest-i-kiedy-jest-wymagane\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ubezpieczenie-cudzoziemca\\\/ubezpieczenie-zdrowotne-kl-dla-cudzoziemcow-co-jest-i-kiedy-jest-wymagane\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ubezpieczenie-cudzoziemca\\\/ubezpieczenie-zdrowotne-kl-dla-cudzoziemcow-co-jest-i-kiedy-jest-wymagane\\\/#primaryimage\",\"url\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/ubezpieczenie_udzoziemcow_0.webp\",\"contentUrl\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/ubezpieczenie_udzoziemcow_0.webp\",\"width\":1536,\"height\":1024},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ubezpieczenie-cudzoziemca\\\/ubezpieczenie-zdrowotne-kl-dla-cudzoziemcow-co-jest-i-kiedy-jest-wymagane\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Strona g\u0142\u00f3wna\",\"item\":\"https:\\\/\\\/polisarium.pl\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Ubezpieczenie zdrowotne KL dla cudzoziemc\u00f3w \u2013 co to jest i kiedy jest wymagane?\"}]},{\"@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":"KL Health Insurance for Foreigners \u2013 What It Is and When It Applies","description":"ace","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\/insurance-for-a-foreign-national\/kl-health-insurance-for-foreigners-what-it-is-and-when-it-is-required\/","og_locale":"en_US","og_type":"article","og_title":"Ubezpieczenie zdrowotne KL dla cudzoziemc\u00f3w \u2013 co to jest i kiedy jest wymagane?","og_description":"as","og_url":"https:\/\/polisarium.pl\/en\/guide\/insurance-for-a-foreign-national\/kl-health-insurance-for-foreigners-what-it-is-and-when-it-is-required\/","og_site_name":"Polisarium - TANIE UBEZPIECZENIA OC AC tel.: 22 299 11 11","article_publisher":"https:\/\/www.facebook.com\/POLISARIUM","article_published_time":"2025-03-26T09:02:18+00:00","article_modified_time":"2026-09-14T10:18:20+00:00","og_image":[{"width":1536,"height":1024,"url":"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/07\/ubezpieczenie_udzoziemcow_0.webp","type":"image\/webp"}],"author":"admin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"admin","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/polisarium.pl\/en\/poradnik\/ubezpieczenie-cudzoziemca\/ubezpieczenie-zdrowotne-kl-dla-cudzoziemcow-co-jest-i-kiedy-jest-wymagane\/#article","isPartOf":{"@id":"https:\/\/polisarium.pl\/en\/poradnik\/ubezpieczenie-cudzoziemca\/ubezpieczenie-zdrowotne-kl-dla-cudzoziemcow-co-jest-i-kiedy-jest-wymagane\/"},"author":{"name":"admin","@id":"https:\/\/polisarium.pl\/en\/#\/schema\/person\/c659ae0a7599f1b7652d1a26acb78783"},"headline":"Ubezpieczenie zdrowotne KL dla cudzoziemc\u00f3w \u2013 co to jest i kiedy jest wymagane?","datePublished":"2025-03-26T09:02:18+00:00","dateModified":"2026-09-14T10:18:20+00:00","mainEntityOfPage":{"@id":"https:\/\/polisarium.pl\/en\/poradnik\/ubezpieczenie-cudzoziemca\/ubezpieczenie-zdrowotne-kl-dla-cudzoziemcow-co-jest-i-kiedy-jest-wymagane\/"},"wordCount":516,"publisher":{"@id":"https:\/\/polisarium.pl\/en\/#organization"},"image":{"@id":"https:\/\/polisarium.pl\/en\/poradnik\/ubezpieczenie-cudzoziemca\/ubezpieczenie-zdrowotne-kl-dla-cudzoziemcow-co-jest-i-kiedy-jest-wymagane\/#primaryimage"},"thumbnailUrl":"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/07\/ubezpieczenie_udzoziemcow_0.webp","keywords":["karta pobytu","NFZ","ubezpieczenie dla cudzoziemc\u00f3w","ubezpieczenie KL","ubezpieczenie zdrowotne"],"articleSection":["Ubezpieczenie cudzoziemca"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/polisarium.pl\/en\/poradnik\/ubezpieczenie-cudzoziemca\/ubezpieczenie-zdrowotne-kl-dla-cudzoziemcow-co-jest-i-kiedy-jest-wymagane\/","url":"https:\/\/polisarium.pl\/en\/poradnik\/ubezpieczenie-cudzoziemca\/ubezpieczenie-zdrowotne-kl-dla-cudzoziemcow-co-jest-i-kiedy-jest-wymagane\/","name":"KL Health Insurance for Foreigners \u2013 What It Is and When It Applies","isPartOf":{"@id":"https:\/\/polisarium.pl\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/polisarium.pl\/en\/poradnik\/ubezpieczenie-cudzoziemca\/ubezpieczenie-zdrowotne-kl-dla-cudzoziemcow-co-jest-i-kiedy-jest-wymagane\/#primaryimage"},"image":{"@id":"https:\/\/polisarium.pl\/en\/poradnik\/ubezpieczenie-cudzoziemca\/ubezpieczenie-zdrowotne-kl-dla-cudzoziemcow-co-jest-i-kiedy-jest-wymagane\/#primaryimage"},"thumbnailUrl":"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/07\/ubezpieczenie_udzoziemcow_0.webp","datePublished":"2025-03-26T09:02:18+00:00","dateModified":"2026-09-14T10:18:20+00:00","description":"ace","breadcrumb":{"@id":"https:\/\/polisarium.pl\/en\/poradnik\/ubezpieczenie-cudzoziemca\/ubezpieczenie-zdrowotne-kl-dla-cudzoziemcow-co-jest-i-kiedy-jest-wymagane\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/polisarium.pl\/en\/poradnik\/ubezpieczenie-cudzoziemca\/ubezpieczenie-zdrowotne-kl-dla-cudzoziemcow-co-jest-i-kiedy-jest-wymagane\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/polisarium.pl\/en\/poradnik\/ubezpieczenie-cudzoziemca\/ubezpieczenie-zdrowotne-kl-dla-cudzoziemcow-co-jest-i-kiedy-jest-wymagane\/#primaryimage","url":"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/07\/ubezpieczenie_udzoziemcow_0.webp","contentUrl":"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/07\/ubezpieczenie_udzoziemcow_0.webp","width":1536,"height":1024},{"@type":"BreadcrumbList","@id":"https:\/\/polisarium.pl\/en\/poradnik\/ubezpieczenie-cudzoziemca\/ubezpieczenie-zdrowotne-kl-dla-cudzoziemcow-co-jest-i-kiedy-jest-wymagane\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Strona g\u0142\u00f3wna","item":"https:\/\/polisarium.pl\/"},{"@type":"ListItem","position":2,"name":"Ubezpieczenie zdrowotne KL dla cudzoziemc\u00f3w \u2013 co to jest i kiedy jest wymagane?"}]},{"@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":51,"label":"Ubezpieczenie cudzoziemca"}],"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_udzoziemcow_0-1024x683.webp",1024,683,true],"author_info":{"display_name":"admin","author_link":"https:\/\/polisarium.pl\/en\/author\/poliseo\/"},"comment_info":0,"category_info":[{"term_id":51,"name":"Ubezpieczenie cudzoziemca","slug":"ubezpieczenie-cudzoziemca","term_group":0,"term_taxonomy_id":51,"taxonomy":"category","description":"Poradniki dla cudzoziemc\u00f3w, kt\u00f3rzy mieszkaj\u0105, pracuj\u0105 lub studiuj\u0105 w Polsce: jakie ubezpieczenie zdrowotne jest potrzebne do wizy i karty pobytu, co obejmuje polisa i ile kosztuje. Ubezpieczenie koszt\u00f3w leczenia kupisz online na stronie <a href=\"https:\/\/polisarium.pl\/turystyczne-zdrowie-i-zycie-firmowe\/ubezpieczenie-cudzoziemca-kl-do-wizy-karty-pobytu\/\">ubezpieczenie cudzoziemca<\/a>.","parent":0,"count":81,"filter":"raw","cat_ID":51,"category_count":81,"category_description":"Poradniki dla cudzoziemc\u00f3w, kt\u00f3rzy mieszkaj\u0105, pracuj\u0105 lub studiuj\u0105 w Polsce: jakie ubezpieczenie zdrowotne jest potrzebne do wizy i karty pobytu, co obejmuje polisa i ile kosztuje. Ubezpieczenie koszt\u00f3w leczenia kupisz online na stronie <a href=\"https:\/\/polisarium.pl\/turystyczne-zdrowie-i-zycie-firmowe\/ubezpieczenie-cudzoziemca-kl-do-wizy-karty-pobytu\/\">ubezpieczenie cudzoziemca<\/a>.","cat_name":"Ubezpieczenie cudzoziemca","category_nicename":"ubezpieczenie-cudzoziemca","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\/3878","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=3878"}],"version-history":[{"count":1,"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/posts\/3878\/revisions"}],"predecessor-version":[{"id":3945,"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/posts\/3878\/revisions\/3945"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/media\/3763"}],"wp:attachment":[{"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/media?parent=3878"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/categories?post=3878"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/tags?post=3878"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}