Health insurance for a foreigner

Medical insurance for foreigners.

Any foreigner planning to stay in Poland or any other Schengen Zone country should take care of adequate health insurance. Regardless of the length and purpose of the visit - be it work, study, visiting or tourism - a medical health policy provides not only peace of mind, but above all real financial security in case of illness or accident. Medical health insurance covers medical expenses and arrangements in as many as 26 European countries, making it a universal solution for people from abroad.

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Who should buy health insurance?

The insurance is designed for foreigners who do not have access to public health care under the National Health Fund. They should especially consider them:

  • Citizens of countries outside the European Union and the Schengen Area,
  • Persons staying in Poland under the visa-free regime,
  • Students, language and university participants from abroad,
  • Participants in international exchange programs and au pairs,
  • Caregivers of the elderly or children,
  • Any foreigner who is not covered by another health insurance system in Poland.
A health policy is not just about fulfilling an obligation, but also about Guarantee of safety and access to medical care in case of emergency or illness.

Health insurance and staying in the EU/EFTA

Foreigners temporarily residing in Poland and having health insurance in an EU or EFTA member state can enjoy medical benefits On the same terms as Polish citizens. The condition is the presentation of the European Health Insurance Card (EHIC) or a temporary certificate replacing the EHIC. If a foreigner does not have these documents, the doctor may issue a bill for the service provided, and then the patient can apply for reimbursement from his foreign insurance institution.

Lack of insurance - what then?

A foreigner who does not have valid insurance in Poland or in an EU/EFTA country is obliged to covering medical expenses out of pocket. Exceptions are those who have taken out an appropriate policy - for example insurance for visa Schengen or to the residence card. The medical facility then settles the costs directly with the insurance company, eliminating the risk of sudden expenses for the patient.

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How to conclude a health insurance contract?

Taking out a private health insurance policy for a foreigner is done at Policyholder's request - It can be the interested party himself or a third party. The contract is concluded individually or in groups, for a period ranging from a few days to a maximum of 12 months.

The insurance document must include basic data: 

  • personal information,
  • scope of protection,
  • insurance period,
  • amount of the guarantee sum

The insurer has the right to ask for the data necessary to assess the risk - the Policyholder is obliged to provide complete and truthful answers.

Insurance available in minutes

Buying a health insurance policy has never been so easy and convenient. The entire process is done fully online, without having to leave home or visit the office. All it takes is a few simple steps:

  • Fill out a short form with your personal information, 
  • choose the period of protection (up to 36 months), 
  • Tailor your insurance coverage to your needs,
  • Pay your premium conveniently by card or online transfer.

 You will receive the policy in PDF format immediately to your email address - ready to print and present at the office, university or border control. With this solution, you get health coverage in just a few minutes, without stress, queues and unnecessary paperwork.

It is worth remembering that Health insurance for foreigners is not just a formality, but a real safeguard for health and safety. Whether you are in Poland temporarily or planning to stay for a longer period of time, medical insurance should be your first step. It protects you in case of emergencies, makes it easier to obtain a visa or residence card, and additionally allows you to avoid high medical costs. Take care of your protection with Schengen Insurance - quickly, conveniently and safely.

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insurance of a foreigner working in Poland
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