Health insurance coverage for a foreigner

euro insurance

Health insurance for foreigners is an indispensable form of health insurance for all persons residing in Poland or in the Schengen countries, which are not covered by the public health care system (such as the National Health Service). This means that anyone outside the EU, EEA or Switzerland must take out an appropriate policy to legally receive medical care during their stay.

A policy for a foreigner not only meets the statutory official requirements, but above all it provides Real help and support in health situations, from seeing a doctor to emergency transportation to the country of origin.

Who is affected by the obligation to carry insurance?

Medical insurance for foreigners is mandatory for any person who:

  • does not have citizenship of an EU, EEA or Swiss state,
  • is not covered by public health insurance,
  • plans to stay in Poland or Schengen countries - Regardless of the purpose of the visit: tourism, work, study, visiting,
  • seeks a national visa (type D), Schengen visa or residence card,
  • arrives under visa-free regime, but plans to stay in the EU.

What the insurance coverage includes

The scope of coverage depends on the policy variant selected, but any basic health policy for a foreigner includes the following:

Name of the service

Service description

Medical visits

The policy covers costs of medical consultations In case of illness or accident. It also covers the organization of medical assistance and access to basic health care.

Hospitalization and treatments

Insurance guarantees coverage of hospital treatment costs, including surgeries, procedures, anesthesia and all necessary services related to hospitalization - including emergencies such as strokes and heart attacks.

Emergency assistance

Insurance covers immediate medical attention - Ambulance call, emergency care, night and holiday assistance. It's a safety net at the most critical moments of a stay.

Research and diagnostics

The policy provides access to essential tests such as ultrasound, X-ray, EKG, spirometry, heart ECHO, biopsies, as well as laboratory tests.

Prescription drugs

The insurer covers the cost of medicines prescribed by a doctor During treatment or therapy recommended during medical consultation.

Medical transportation

The policy covers transportation to the nearest medical facility As well as transportation between hospitals. In emergency situations, air transport, such as an emergency helicopter, can be used.

Dental assistance

Coverage includes emergency dental care - pain management, extractions, X-rays, fillings. Such assistance is useful especially in case of sudden inflammation or trauma to a tooth.

Repatriation and transportation of remains

If necessary, the insurance will cover costs of transporting the insured to the country of origin. In the event of death, it also covers the cost of transporting the remains or temporarily depositing them.

Certificate needed for Schengen visa and residence card

Each medical policy for a foreigner includes mandatory certificate of insurance, which is required for visa applications and when applying for residence card. This certificate complies with the legal requirements set forth by, among others, the Law on Foreigners and the European Parliament Regulation (No. 810/2009).

Insurance for residence card - check out the offer!

Extension of protection

Health insurance coverage for a foreigner can be flexibly extended, tailoring the policy to individual needs and plans for staying in Poland or Schengen area. Among the available options are extensions in case of engaging in winter or extreme sports (check insurance for sports), which is especially important for those who spend time actively. Insurance can also cover physical work or occupations with higher risks, which is important for those entering employment.

In addition, it is possible to enable protection NNW, which provides payment of benefits in case of permanent injury. It can also be supplemented by liability insurance in private life, which protects against costs related to damage caused to third parties - for example, in an apartment rented by a foreigner.

What does the cost of the policy depend on?

Several factors affect the price of insurance:

  • Age of the insured person,
  • Duration of protection (from 1 day to as long as 36 months),
  • The scope of the selected variant,
  • Type of travel - tourism, education, vocational.

Before buying a policy, it is a good idea to make sure that the selected insurance company is licensed and recognized in all Schengen countries.

Do you want to stay safely in Poland or Europe?

Take care of your health now - choose a policy tailored to your needs and gain peace of mind during your stay.

The insurance plan for a foreigner provides the mandatory certificate that is needed to apply for a Schengen visa. It meets the statutory guidelines. The insurance company also offers extended coverage regardless of the destination country. The cost of Schengen insurance ultimately depends on several fixed factors. These include the age of the insured person, the scope of the insurance, and the duration of the trip. When choosing insurance, make sure that the company you choose is licensed and accepted in the Schengen country to which you plan to travel.

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