Insurance for a Residence Permit (Karta Pobytu) in Poland 2026 | Price, Requirements, How to Get It

To apply for a residence permit (karta pobytu), you need to confirm medical coverage. One of these works: NFZ access through an employer, private insurance covering medical costs for foreigners (ubezpieczenie kosztów leczenia cudzoziemców) with coverage from 30,000 EUR, or another accepted document. Exact requirements depend on the voivodeship and the basis of your stay.

What the office (urząd wojewódzki) accepts

The main document: insurance covering medical treatment costs for foreigners in Poland (koszty leczenia cudzoziemców) with a coverage sum of 30,000 EUR. It covers emergency care: sudden illness, accidents, hospitalization, flare-ups of chronic conditions. This is not a replacement for NFZ and not a medical package for routine visits. If you're employed officially and your employer pays your ZUS contributions, NFZ access may also be sufficient. Check with your specific voivodeship office — practice varies.

How much it costs in 2026

A year of koszty leczenia cudzoziemców insurance through Inserio: 522 zł for non-physical-labor occupations. If your work involves physical labor (construction, warehouse, manufacturing, installation, cleaning), let us know before applying — the price will be different, and we'll calculate it separately for you.

What to watch out for

Policy duration: the insurance must cover the entire document-review period, not just the application date.
Physical labor: if you don't disclose it when applying, the insurer can refuse to pay a claim.
Territory: coverage must be valid within Poland.
Start date: protection doesn't always start on the day of purchase — we check this before issuing the policy.

How to apply

Write to us with your basis of stay, application timeline, and occupation. We check the details, find the right plan, and send you a ready PDF document by email.

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Ready-made insurance for a residence permit

If you need a policy with 30,000 EUR coverage, go to the application page. There you'll find both an instant online purchase option and an agent-assisted option.

Go to the application page

Need help with your specific situation?

You don't have to figure it out alone. Describe your situation, your current policy, or a clause in a contract. We'll tell you what's usually worth checking and what the most sensible next step is.