Health insurance for residence card - KL insurance for foreigners

Why do you need insurance for a residence card?

Every foreigner who stays in the territory of Poland and is not subject to insurance in the Social Insurance Institution (ZUS) is obliged to provide their own access to medical care. In practice, this means having to purchase private health insurance policy, which will be honored by Polish offices - in particular provincial offices and the Office for Foreigners.

The medical insurance must be in force for the entire period of stay and be valid as of the date of the decision on the residence permit. The policy should also be in Polish and comply with the formal requirements.

Period of validity and sum insured

Health insurance for a residence card must be concluded for a period of time corresponding to the actual length of the foreigner's planned stay in Poland. In practice, this means that The policy can be purchased for a period from 1 month up to 3 years, which allows it to be tailored to individual needs - regardless of whether the stay is short, temporary or long-term.

Importantly, Insurance does not have to be a one-time thing - in the case of an extended stay or waiting for an extension of the official decision, the foreigner may renew your policy without any problems, maintaining continuity of protection. This is a very convenient solution, especially for those studying, working or remaining in Poland under other legal titles.

Equally important is minimum amount of insurance, which by law must be at least €30,000. This amount was set by law, and its purpose is to provide sufficient funds to cover the Costs of hospital treatment, outpatient treatment, medical transportation, as well as repatriation to the country of origin - In case of serious health problems, accident or death.

Thanks to this amount of insurance, a foreigner can be sure that even in the most unforeseen situations he or she will not be left without help and will not be forced to cover huge medical costs out of his or her own pocket. It is also a guarantee for Polish public institutions that the applicant for a residence card has adequate financial security for the duration of his stay.

It is worth remembering that Lack of insurance or insufficient coverage can be a reason for rejecting an application for temporary or permanent residency. That's why it's so important, when choosing a policy for your residency card, to make sure it meets all applicable requirements and has been taken out with a licensed insurer.

How do you document insurance?

When applying for a residence card, you must provide one of the following documents proving the validity of your insurance:

Where to buy insurance?

Medical insurance for the residence card can be easily purchased online - The entire process takes just a few minutes. All you have to do is fill out a simple form, select the period of coverage and scope of insurance, and then pay the premium. After making a purchase, you immediately receive PDF document, which you can attach to your application at the office.

When choosing a policy, it's a good idea to make sure it comes from a licensed insurance company, meets the requirements European Parliament Regulation No. 810/2009, includes the required territorial scope (Poland and/or the Schengen Area), and includes the necessary treatment and repatriation clauses.

Legal basis

The obligation to have a valid health insurance policy is specified in the Act of August 27, 2004 on health care services financed from public funds. In the absence of valid insurance, an application for a residence card may be rejected or administrative proceedings halted.

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