{"id":3734,"date":"2026-11-02T13:14:06","date_gmt":"2026-11-02T12:14:06","guid":{"rendered":"https:\/\/insurancepoland.pl\/?p=3734"},"modified":"2026-11-02T13:14:06","modified_gmt":"2026-11-02T12:14:06","slug":"how-does-the-deductible-on-a-klc-policy-affect-the-cost-of-treatment","status":"publish","type":"post","link":"https:\/\/insurancepoland.pl\/en\/poradnik\/faq-i-porady\/udzial-wlasny-w-polisie-klc-jak-wplywa-na-oplate-za-leczenie\/","title":{"rendered":"Deductible under a KLC policy\u2014how does it affect the cost of treatment?"},"content":{"rendered":"

The deductible and the excess may determine whether, following an emergency, the insured will be responsible for paying a portion of the approved costs. However, one should not assume that this provision applies to every medical expense insurance policy for foreigners. This is not an automatic feature of every KLC policy<\/strong>. The specific provisions of the General Terms and Conditions, the selected option, and the information entered in the policy document are what matter.<\/p>\n\n\n\n

That\u2019s why it\u2019s not enough to just check the coverage amount before purchasing a policy. You need to determine whether the policy includes a deductible or excess, exactly what they cover, and how they are calculated. Below, we explain these concepts without applying them to all offers or providing unsubstantiated rates.<\/p>\n\n\n\n

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

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  1. Deductible and excess\u2014what do they mean?<\/a><\/li>\n\n\n
  2. How might such a provision affect the settlement?<\/a><\/li>\n\n\n
  3. Examples of a single visit and multiple services with no copayment<\/a><\/li>\n\n\n
  4. What should you compare in the General Terms and Conditions and the policy document?<\/a><\/li>\n\n\n
  5. Frequently Asked Questions<\/a><\/li>\n\n\n
  6. How do you make a decision before buying?<\/a><\/li>\n\n<\/ol>\n\n<\/div><\/div>\n\n\n\n

    Deductible and excess\u2014what do they mean?<\/h2>\n\n\n\n

    A deductible is a contractual provision under which a specified portion of the cost may be borne by the insured. The method of calculating it is not arbitrary\u2014it may depend on the terms of the specific contract. Therefore, it is crucial that the exact definition set forth in the General Insurance Terms and Conditions (GITC)<\/strong>, rather than simply the appearance of the term \u201eout-of-pocket expense\u201d in informational materials.<\/p>\n\n\n\n

    A deductible is also a limitation described in the contract, but its effect must be determined based on the specific provision. It may establish a condition or threshold relevant to the settlement, but the term itself does not indicate whether\u2014or to what extent\u2014the insurer will cover the cost. These terms should not be interpreted interchangeably without checking their definitions.<\/p>\n\n\n\n

    The most important practical difference, therefore, does not stem from the colloquial meaning of the words, but from the answers to three key questions:<\/p>\n\n\n\n