Medical expenses insurance
foreigners in Poland

Frequently asked questions about KLC

What is medical expense insurance for foreigners (KLC)?

KLC insurance is a policy that covers the cost of medical care for foreigners staying in Poland. It covers doctor's visits, hospitalization, medications, outpatient procedures and medical transportation. It is required when applying for a visa, residence card or temporary residence permit in Poland.

Who needs KLC insurance in Poland?

KLC insurance is required for foreigners from outside the European Union who apply for a national visa, residence card or permit to stay in Poland. This includes citizens of Ukraine, Belarus, India, Georgia, Turkey and many other countries. The policy must meet the requirements of provincial offices and consulates.

What coverage does the KLC policy provide?

The KLC policy provides comprehensive medical coverage: medical visits, hospitalization, surgical procedures, medications prescribed by a doctor, medical transportation to the country of origin (repatriation) and emergency assistance. The sum assured is up to €30,000, which meets Schengen visa requirements.

How much does KLC insurance cost?

The price of KLC insurance depends on the period of insurance, the sum assured and the scope of protection. Short-term policies (up to 30 days) cost from about PLN 30, annual from about PLN 300. By comparing the offers of several insurance companies, you can save up to 40% on the premium.

How to buy KLC insurance online?

Buying a KLC policy online takes about 5 minutes. All you need to do is fill out the form on our website - provide your personal information, the period of insurance and the coverage you have chosen. After paying the premium by card, BLIK or wire transfer, the policy in PDF format goes immediately to your e-mail. The document is accepted by consulates and provincial offices.