{"id":3495,"date":"2026-11-03T05:14:39","date_gmt":"2026-11-03T04:14:39","guid":{"rendered":"https:\/\/insurance-schengen.pl\/?p=3495"},"modified":"2026-11-03T05:14:39","modified_gmt":"2026-11-03T04:14:39","slug":"the-cheapest-insurance-for-a-foreigner-in-poland","status":"publish","type":"post","link":"https:\/\/insurance-schengen.pl\/en\/poradnik\/ubezpieczenia-dla-cudzoziemcow\/najtansze-ubezpieczenie-dla-cudzoziemca-w-polsce\/","title":{"rendered":"The Cheapest Insurance for Foreigners in Poland"},"content":{"rendered":"

The cheapest insurance for a foreigner isn\u2019t always the first offer with the lowest premium. A reliable comparison requires using the same data: the insured person\u2019s 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<\/strong>. We also provide a comparison of KLC\u2019s annual policies for two precisely defined profiles, but we do not treat the results from a single day as a fixed rate schedule.<\/p>\n\n\n\n

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Table of Contents<\/p>\n\n\n\n

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  1. What Does \u201eCheapest Insurance\u201d Really Mean?\u201d<\/a><\/li>\n\n\n\n
  2. Comparison of KLC Policy Prices for 12 Months<\/a><\/li>\n\n\n\n
  3. How to Compare KLC Policies<\/a><\/li>\n\n\n\n
  4. Insurance for a visa, residence permit, or for the duration of studies<\/a><\/li>\n\n\n\n
  5. How to Prepare for an Emergency<\/a><\/li>\n\n\n\n
  6. FAQ<\/a><\/li>\n<\/ol>\n\n<\/div><\/div>\n\n\n\n

    What Does \u201eCheapest Insurance\u201d Really Mean?\u201d<\/h2>\n\n\n\n

    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<\/strong>. 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.<\/p>\n\n\n\n

    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<\/strong>, and comparing prices is the next step.<\/p>\n\n\n\n

    The coverage limits and sub-limits are also important. According to Uniqa\u2019s 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<\/strong>. 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\u2019ve selected.<\/p>\n\n\n\n

    If this is your first time purchasing this type of coverage, start by clarifying How Does Insurance Work for Foreigners?<\/a>. This will make it easier to distinguish between the price, the sum insured, the coverage area, and the coverage period.<\/p>\n\n\n\n

    Comparison of KLC Policy Prices for 12 Months<\/h2>\n\n\n\n

    Prices are taken from the sellers\u2019 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.<\/p>\n\n\n\n

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    Profile 1: One person, age 30, coverage for 12 months in Poland, medical expenses of 30,000 EUR, without coverage for manual labor<\/p>\n\n\n\n

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    Lowest price<\/p>\n\n\n\n

    \n
    \n

    Polisarium<\/p>\n\n\n\n

    Europ Assistance policy<\/p>\n<\/div>\n\n\n\n

    \n

    481 PLN<\/p>\n\n\n\n

    in 12 months<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n

    \n
    \n
    \n

    iExpert<\/p>\n\n\n\n

    Colonnade policy<\/p>\n<\/div>\n\n\n\n

    \n

    556 PLN<\/p>\n\n\n\n

    in 12 months<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n

    \n
    \n
    \n

    Wiener<\/p>\n\n\n\n

    Wiener policy<\/p>\n<\/div>\n\n\n\n

    \n

    691 PLN<\/p>\n\n\n\n

    in 12 months<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n

    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<\/p>\n\n\n\n

    \n
    \n

    Lowest price<\/p>\n\n\n\n

    \n
    \n

    Polisarium<\/p>\n\n\n\n

    Europ Assistance policy<\/p>\n<\/div>\n\n\n\n

    \n

    609 PLN<\/p>\n\n\n\n

    in 12 months<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n

    \n
    \n
    \n

    iExpert<\/p>\n\n\n\n

    Colonnade policy<\/p>\n<\/div>\n\n\n\n

    \n

    612 PLN<\/p>\n\n\n\n

    in 12 months<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n

    Prices from retailers' online calculators, as of October 23, 2026. The premium depends on age, term, and coverage.<\/p>\n<\/div><\/div>\n\n\n\n\n\n\n