Insurance for visa and residence permit
Need a policy for a visa application, residence permit or your stay in Poland? The policy covers sudden illness, injury, 24/7 assistance and medical transport.
Block: What it covers
KLC (Koszty Leczenia Cudzoziemców — Medical Costs for Foreigners) is a health insurance policy for foreigners staying in Poland. It covers medical treatment costs in case of sudden illness or accident, 24/7 medical assistance and medical transport. It is accepted for visa and residence permit applications.
Block: Two ways to buy
Online
Redirect to the Wiener calculator. Policy in minutes, document by email.
Via agent
Order through the form on the page. We prepare the policy with documentation. Agent orders may include a discount.
Block: When you need it
National or Schengen visa application. Residence permit application (karta pobytu). Stay in Poland without NFZ. Waiting period for an official decision.
SEO block
KLC insurance (Koszty Leczenia Cudzoziemców — Medical Costs for Foreigners) is a health policy for foreigners in Poland. It covers medical treatment, 24/7 assistance and medical transport. Required for visa and residence permit applications. Inserio offers KLC online or with agent support. Price does not depend on age. Available for 1–8 people for periods from 1 to 12 months.
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Prices shown are indicative and do not constitute a binding offer. The final premium is confirmed by the insurer after completing the application and verifying the data required to issue the policy.
FAQ
Does KLC meet the requirements of Polish authorities?
Yes. KLC is accepted for visa and residence permit applications in Poland.
What period can I buy it for?
From 1 month to 1 year. The period can be matched to your planned stay or application timeline.
Does the price depend on age?
No. KLC pricing does not depend on the insured person’s age.
Can I insure my whole family?
Yes. The policy can cover 1 to 8 people.
Get in touch
Write to us directly
Al. Jerozolimskie 109/70, 02-011 Warszawa
Tell us about your situation
Briefly describe your situation and attach any relevant documents. We'll tell you what to do next.
Insurance for documents
One policy, two ways to buy
This policy is designed for visa and residence-permit paperwork and emergency medical costs in Poland. Buy online for 691 zł or request agent support from 522 zł when you want the conditions checked first.
For whom
When this policy is usually needed
- You are applying for a visa or residence permit and need insurance for the office
- You temporarily live in Poland for work, study or a business trip
- You are visiting family and want protection in case of hospital treatment
- You do physical work and may need an extension
- You live abroad permanently and stay in Poland temporarily
Coverage
Main limits and protection elements
| Coverage | Limit |
|---|---|
| Inpatient treatment and surgery | Up to the cover limit (up to EUR 50,000) |
| Outpatient diagnostics and procedures | Up to the cover limit |
| Chronic-condition flare-ups | Up to 100% of the cover limit, no surcharge |
| Medicines and dressings | Up to the cover limit |
| Dental treatment for acute pain | Up to 500 zł |
| Corrective aids | Up to 1,000 zł |
| Medical transport in Poland | Up to the cover limit |
| Transport to country of residence | Up to the cover limit |
| Convalescence | Up to the cover limit |
| Child assistance if parent is hospitalised | Up to 1,500 zł + transport |
| Assistance 24/7 | No call limit |
| Accident insurance NNW | Up to 50,000 PLN |
| Third-party liability OC | Up to 100,000 PLN |
Purchase paths
Online is faster, agent support is cheaper and safer
Buy online
Self-service purchase in 5-10 minutes. The policy is sent to your email immediately after purchase.
- Works best for standard cases: study, office work or visiting family
- The form is completed on the partner purchase platform
- Fast option if you are sure about dates and conditions
- Check the insurance period and insured person data before payment.
- Physical work may require an extension.
Order via agent
The agent checks your scenario, helps with office wording and arranges the policy with a discount.
- We check whether physical-work or dangerous-occupation extension is needed
- We help with dates, cover limit and wording for documents
- Best when the case is not fully standard or you want to avoid mistakes
- Usually arranged within a working day after data confirmation.
- Needs analysis is documented by the agent during policy arrangement.
Important
Check these points before purchase
- This is not NFZ and not a medical subscription. It covers sudden illness or accident: hospital treatment, surgery and transport. Planned treatment, prevention and prosthetics are not included.
- If you do physical work such as construction, warehouse or production, an extension is needed. Without it, work-related injury costs may be excluded.
- After obtaining permanent residence or EU long-term resident status, the policy may no longer serve its original purpose. You can request a refund for the unused period.
FAQ
Common questions
Is this policy accepted for visa or residence-permit applications?
Yes. The policy is designed to meet the requirements used by Polish offices for national visa and temporary residence permit applications. The medical-cost cover is up to EUR 50,000, which is above the EUR 30,000 minimum commonly required for Schengen visa insurance. It applies in Poland and covers emergency hospital treatment, outpatient treatment, flare-ups of chronic conditions and medical transport. One practical point matters: after permanent residence or EU long-term resident status is granted, this insurance may no longer serve the document purpose for which it was bought. In that situation, a refund for the unused period can be requested. You can buy online in 5-10 minutes or ask an agent to check the conditions first.
How is it different from NFZ and medical packages?
NFZ is the public healthcare system for people with paid ZUS contributions or voluntary public insurance. It can cover planned treatment, but queues and access rules may apply. Private medical packages such as LUX MED, Medicover or enel-med work more like clinic subscriptions: convenient appointments, but usually without full emergency hospital, surgery or transport coverage. This policy is cost-of-treatment insurance. It is built for sudden illness, accident, hospitalisation, surgery, chronic-condition flare-ups and assistance services. It is not a replacement for NFZ and not a clinic subscription. Many foreigners combine the formats: NFZ as a public base, a medical package for everyday access and this insurance for documents and emergency financial protection.
Why order through an agent if I can buy online?
Agent-assisted purchase can be cheaper: from 522 zł instead of 691 zł, with savings of up to 25%. The second benefit is checking whether the standard variant is enough. If you work on a construction site, in a warehouse or in production, physical-work exposure may need an extension. Without it, an injury connected with work can be excluded. An agent also helps with practical details for the office: period of cover, limit, liability extension and wording. Online purchase is faster and works well for standard situations such as study, office work or visiting family. If anything is unclear, it is safer to ask before buying.
Can I buy it if I am already in Poland?
Yes. Both purchase paths are available if you are already in Poland. Online purchase usually takes 5-10 minutes and the PDF policy is sent by email. Agent-assisted purchase is usually possible within a working day after the necessary details are confirmed. The product can work for tourists, students, employees, people waiting for a residence-permit decision and family visitors. If you have a chronic condition, check how flare-ups are covered and whether any limits apply to your situation. The territory is Poland, and the insurance period can be matched to your stay or document requirement. If you need cover for physical work, mention it before purchase.