The cheapest insurance for a foreigner isn’t always the first offer with the lowest premium. A reliable comparison requires using the same data: the insured person’s age, the coverage period, the coverage area, the maximum medical expense limit, and any necessary coverage extensions. Only then can you see which policy is the cheapest for a specific person and purpose of stay. In this guide, we explain how to interpret the results of the calculations, review the insurance terms and conditions, and tailor the policy to your visa or residence permit application. The lowest price only matters if you choose the right coverage. We also provide a comparison of KLC’s annual policies for two precisely defined profiles, but we do not treat the results from a single day as a fixed rate schedule.
What Does „Cheapest Insurance” Really Mean?”
The lowest number on the calculator isn't enough to make a decision. The options being compared should relate to the same insured person profile. If one calculation covers only Poland and the other covers Poland and the Schengen Area, the results reflect different needs and should not be compared as equivalent offers.
First, determine why you are purchasing the policy. Someone applying for a visa may need coverage for a different territory than a foreign national who will be staying exclusively in Poland. A student should ensure that the coverage dates align with the planned duration of their stay. The purpose of the stay determines the basic terms of the policy, and comparing prices is the next step.
The coverage limits and sub-limits are also important. According to Uniqa’s 2020 KLC General Terms and Conditions, the sum insured, the maximum coverage amount, and the sub-limits constitute upper limit of liability per insured person. Each payout reduces the applicable total amount or sub-limit. Therefore, before purchasing, check both the premium and how the limits work in the plan you’ve selected.
If this is your first time purchasing this type of coverage, start by clarifying How Does Insurance Work for Foreigners?. This will make it easier to distinguish between the price, the sum insured, the coverage area, and the coverage period.
Comparison of KLC Policy Prices for 12 Months
Prices are taken from the sellers’ online calculators as of October 23, 2026. The specified annual coverage plans were compared, and in each case, Polisarium was the cheapest among the listed offers. Tables showing all offers and exact prices for both coverage profiles will appear directly below this paragraph.
Profile 1: One person, age 30, coverage for 12 months in Poland, medical expenses of 30,000 EUR, without coverage for manual labor
Lowest price
Polisarium
Europ Assistance policy
481 PLN
in 12 months
iExpert
Colonnade policy
556 PLN
in 12 months
Wiener
Wiener policy
691 PLN
in 12 months
Profile 2: One person, age 30, coverage for 12 months in Poland and the Schengen Area, medical expenses of 30,000 EUR, without coverage for manual labor
Lowest price
Polisarium
Europ Assistance policy
609 PLN
in 12 months
iExpert
Colonnade policy
612 PLN
in 12 months
Prices from retailers' online calculators, as of October 23, 2026. The premium depends on age, term, and coverage.
Important:
Prices depend on age, the coverage period, and the scope of coverage, and offers may have different limits and exclusions. The results apply only to the data used in the calculations and the date of the quote; therefore, they do not constitute a fixed price list or a guarantee that another person will pay the same premium.
How to Compare KLC Policies
A good comparison starts before you even open the calculator. Write down the set of data that will remain the same in every calculation. Otherwise, a lower price might not be due to a better offer, but rather to a shorter time frame, a smaller service area, or some other variation.
In the 2020 KLC Uniqa General Terms and Conditions, the premium is set in zlotys according to the rate in effect on the date the contract is concluded. The amount depends on the version and type of coverage, the term, the scope, and the coverage amounts. You must therefore calculate the current premium based on your own information. A previous result can serve as a reference point, but it does not replace a new calculation.
Before entering into a contract, the distributor identifies the customer’s requirements and needs, provides objective information about the product in an understandable manner, and the proposed contract should meet those needs. This is set forth in Article 8 insurance distribution laws. Price is one of the criteria, but not the only one, when making a choice.
Before making a payment, carefully review the calculation summary and the applicable General Insurance Terms and Conditions (GITC). Verify that the personal information, dates, territorial coverage, coverage amounts, and selected plan option you have entered match your actual needs. This verification allows you to identify any discrepancies before the contract is concluded.
Insurance for a visa, residence permit, or for the duration of studies
Official Information on the Schengen Visa Ministry of Foreign Affairs It specifies that the insurance must provide coverage of at least 30,000 euros, be valid throughout the Schengen Area, and cover the entire planned stay or transit. In the case of a multiple-entry visa, this period applies to the first planned visit. The coverage must include expenses related to return travel for medical reasons, emergency medical care, urgent hospitalization, or death. The insurance policy required for a visa must meet the documentation requirements, rather than just staying within budget.
For a Type D national visa, the Ministry of Foreign Affairs also specifies that applicants must have at least 30,000 euros and be able to cover the costs of return travel due to medical reasons, emergency assistance, urgent hospital treatment, or death. Before purchasing insurance required for a visa Make sure that the data, time period, and geographic scope correspond to the application you are preparing.
When applying for a residence permit, choose an insurance policy that matches the specific basis and requirements of your application. You can find product information on the page dedicated to insurance associated with a residence card. Those coming here to study may also find the material on insurance for international students. The document and the purpose of the stay should result in the same level of protection.
The Foreigners Act requires that an insurer issuing the specified travel medical insurance provide 24-hour emergency call center for reporting incidents. After purchasing the policy, save the contact information for the service center in your phone and provide it to the insured person. In an emergency, it is crucial not only to have the document but also to have quick access to the proper instructions on how to proceed.
How to Prepare for an Emergency
The claims procedure is outlined in the General Terms and Conditions for the specific product. After your purchase, please keep policy number and claims filing instructions in an easily accessible place. It’s a good idea for anyone who might be able to help the insured person to be familiar with them as well. Don’t wait until an incident occurs to read through the procedure.
According to Uniqa’s 2020 KLC General Terms and Conditions, a claim for medical expenses must include the policy number, a detailed description of the circumstances, a medical report with the diagnosis and recommended treatment, as well as invoices, receipts, hospital discharge summaries, and proof of payment. Documents should be collected from the start of the incident, rather than retrieving them only when a request is made.
According to the aforementioned Compensa General Terms and Conditions of Insurance from 2026, the insured must submit a completed claim form and the documents necessary to determine the validity of the claim and the amount of the benefit. The insured should also preserve evidence, including medical records. Always check the required set of documents in the General Terms and Conditions of your policy, because procedures may vary depending on the product.
A guide describes practical steps to take after an unexpected illness Procedures for Dealing with a Sudden Illness in Poland. Follow the instructions provided by your insurance company and keep all documents related to the incident in one place.
FAQ
Is the cheapest KLC policy the same for every foreign national?
No. The result depends on the data entered into the calculator, including age, the term, and the scope of coverage. The lowest-priced offer can only be identified for a comparable profile and offers reviewed at the same time.
Will the results of the comparison remain valid for the entire year?
You shouldn't assume that. The comparison is based on data from a specific day. You'll only know your current premium after entering your own information into the calculator.
Is an insurance policy valid only in Poland sufficient for a Schengen visa?
No. According to an official statement from the Ministry of Foreign Affairs, insurance for a Schengen visa must be valid throughout the entire Schengen Area and cover the required period. The scope of the policy must correspond to the purpose of the document.
When making a choice, is it enough to just compare premiums?
No. Also check the coverage period, coverage area, coverage limits, sub-limits, exclusions, and the claims filing procedure. First, eliminate the options that don't meet your needs, and only then compare the prices of the remaining ones.
What documents might be needed after an incident?
This is determined by the General Terms and Conditions of the selected product. The referenced Uniqa General Terms and Conditions list the policy number, a description of the circumstances, a medical certificate, invoices, receipts, hospital discharge summaries, and proof of payment. The referenced Compensa General Terms and Conditions specify the claim form, required documents, and the preservation of evidence, including medical records.
Where can I calculate my current premium and purchase a policy?
Use the KLC calculator for foreign nationals. Enter the insured person’s actual information, the correct dates, and the applicable territory, and be sure to read the summary and the General Terms and Conditions before purchasing. First, choose your coverage, then compare premiums.
The cheapest policy is the lowest-priced option among those that meet a person’s needs and the purpose of the document. When comparing offers, focus on the same parameters, treat price quotes as a snapshot of the current market, and always run your own profile through the latest calculator.
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