{"id":3992,"date":"2025-12-10T17:10:16","date_gmt":"2025-12-10T16:10:16","guid":{"rendered":"https:\/\/polisarium.ozx.pl\/nieskategoryzowane\/jakie-swiadczenia-oferuje-ubezpieczenie-turystyczne-zdrowotne-dla-cudzoziemcow-w-polsce\/"},"modified":"2026-09-14T12:38:20","modified_gmt":"2026-09-14T10:38:20","slug":"what-benefits-does-travel-health-insurance-offer-to-foreigners-in-poland","status":"publish","type":"post","link":"https:\/\/polisarium.pl\/en\/poradnik\/ubezpieczenie-cudzoziemca\/jakie-swiadczenia-oferuje-ubezpieczenie-turystyczne-zdrowotne-dla-cudzoziemcow-w-polsce\/","title":{"rendered":"What benefits does travel health insurance for foreigners in Poland offer?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">You can find the full range of insurance policies that meet the requirements of consulates and the Border Guard here: <strong><a href=\"\/en\/travel-health-and-corporate-life\/insurance-for-foreigners-required-for-visas-and-residence-cards\/\">KL Insurance for Foreigners: For Visas and Residence Cards<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What are the main benefits covered by a travel insurance policy for a foreign national?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Travel insurance includes several key benefits that protect foreign nationals in medical emergencies. The policy must meet the minimum Schengen requirements, covering the costs of medical treatment, hospitalization, and medical transport. In practice, however, the scope of the policy is much broader.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The most important benefits include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>outpatient treatment in the event of a sudden illness<\/li>\n\n\n<li>medical consultations at private and public facilities<\/li>\n\n\n<li>the diagnostic tests necessary to determine the cause of a health problem<\/li>\n\n\n<li>hospital treatment and life-saving procedures<\/li>\n\n\n<li>Medical transport in Poland and repatriation<\/li>\n\n\n<li>assistance in the event of traffic accidents or unforeseen emergencies<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">In crisis situations, these elements constitute the main pillar of health protection for foreign nationals.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Does the policy cover visits to specialists?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. As part of medical expenses, the insurer covers visits to specialists if they are necessary due to a sudden illness or injury. This includes, among other things:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>an orthopedist after an injury<\/li>\n\n\n<li>an ENT specialist in cases of acute infections<\/li>\n\n\n<li>a neurologist for sudden symptoms<\/li>\n\n\n<li>a dermatologist in the event of sudden skin changes<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This is an important safety measure, especially for people traveling with children and seniors.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Does the insurance cover diagnostic tests?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yes\u2014diagnostic tests are included in the cost of treatment. The policy covers:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>X-ray<\/li>\n\n\n<li>Ultrasound<\/li>\n\n\n<li>computed tomography<\/li>\n\n\n<li>basic blood and urine tests<\/li>\n\n\n<li>tests performed during hospitalization<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">These benefits must be due to a medical emergency, which means that preventive exams are not covered.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Hospitalization \u2013 When Is It Covered?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Travel insurance covers hospitalization costs if:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>a sudden illness occurred,<\/li>\n\n\n<li>an accident occurred,<\/li>\n\n\n<li>The doctor determines that hospitalization is necessary.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The scope includes, among other things:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>emergency surgeries<\/li>\n\n\n<li>stay in the emergency department<\/li>\n\n\n<li>intensive care<\/li>\n\n\n<li>medications administered during hospitalization<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Hospitalization is one of the key benefits, as the costs of hospital treatment in Poland are high for those without insurance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Does the policy cover medical transportation?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yes\u2014transportation is a mandatory component of a travel insurance policy. It covers:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>transport by ambulance from the scene<\/li>\n\n\n<li>transport between facilities<\/li>\n\n\n<li>return transportation to the home country (repatriation), if medical conditions require it<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The absence of this coverage would mean that the policy does not meet visa requirements.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can find out more about its significance here: <strong><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><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Does the insurance include roadside assistance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yes\u2014assistance is one of the most valuable benefits of a travel insurance policy. The insurer provides:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>24-hour contact with the emergency call center<\/li>\n\n\n<li>scheduling doctor's appointments<\/li>\n\n\n<li>translation of medical documentation<\/li>\n\n\n<li>help in finding the nearest location<\/li>\n\n\n<li>Support for people who do not speak Polish<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This makes things much easier for foreigners who are unfamiliar with the Polish healthcare system.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Does the policy include accident insurance or liability insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In many cases, yes\u2014but it depends on the plan you choose. Additional benefits may include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>consequences of accidents (NNW)<\/li>\n\n\n<li>civil liability in private life<\/li>\n\n\n<li>luggage protection<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Although these are not medical services, many people opt for these add-ons to enhance their safety during their stay.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">When Is Travel Insurance Not Enough?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Travel insurance is not sufficient when a foreign national:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>plans to stay longer than 90 days<\/li>\n\n\n<li>submits an application for a residence card<\/li>\n\n\n<li>works or studies<\/li>\n\n\n<li>lives in Poland permanently<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">In such cases, a long-term policy accepted by the authorities is required.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">More information: <strong><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><\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>You can find the full range of insurance policies that meet the requirements of consulates and the Border Guard here: KL Insurance for Foreigners for Visas and Residence Permits<\/p>","protected":false},"author":1,"featured_media":3951,"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":[65,75,63,64,62],"class_list":["post-3992","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ubezpieczenie-cudzoziemca","tag-karta-pobytu","tag-polisa-ubezpieczeniowa","tag-ubezpieczenie-dla-cudzoziemcow","tag-ubezpieczenie-kl","tag-ubezpieczenie-zdrowotne"],"acf":[],"yoast_head":"<!-- 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