Insurance in Poland: who needs a policy and how do they differ?

Insurance is a mandatory document for entering Poland on most visas, especially for tourists and those planning short-term trips. It's important to choose the right insurance company and take out a policy that meets the requirements of the Polish authorities. What you need to know about it - read this article

An insurance policy is a guarantee of your safety and peaceful stay outside of Ukraine

BUY

Poland is considered one of the most popular countries in Eastern Europe. However, as a member of the European Union and part of the Schengen area, it has strict entry requirements, especially regarding health insurance.

We will tell you what you need to know about insurance for entering Poland below.

Protect yourself while travelling!

Apply for travel insurance online in 5 minutes on Visit Ukraine!

Who needs insurance to enter Poland?

An insurance policy is required for certain categories of people entering Poland, especially if the trip is planned for a short period of time.

Types of insurance:

- Tourists and persons visiting Poland on short-term visas (type C visa).

In order to obtain a Schengen visa, which allows you to stay in Poland for up to 90 days, health insurance is mandatory. The policy must cover medical expenses of at least EUR 30,000, be valid in all Schengen countries and include emergency medical care and repatriation to the home country.

- For students and employees residing in Poland on the basis of a long-term visa (type D).

For people planning a long-term stay in Poland, for example, on a study or work visa, health insurance is also mandatory. The insurance must cover the entire duration of your stay and ensure access to medical care in Poland. In some cases, additional insurance coverage is required depending on the requirements of the consulate.

The insurance policy should contain a deductible of only 0 or 50, at the choice of the insured.

What is a deductible? This is the amount of the initial payment by the insured in case of each insured event. 0 means that the person pays nothing, while 50 means that the insured pays the first 50 euros. Insurance with a ‘zero deductible’ will be more expensive.

Do Ukrainians travelling on a visa-free regime need insurance?

Yes, health insurance is mandatory for people travelling to Poland under the visa-free regime. According to Schengen requirements, travellers must have a health insurance policy that covers at least EUR 30,000 in case of medical care, emergency hospitalisation or repatriation due to illness or death.

Green Card for travelling to Poland by car

If you are planning a trip to Poland by your own car, one of the mandatory documents is an international insurance policy - the Green Card. This is a kind of analogue of the CTP (compulsory motor third party liability insurance), which is valid outside Ukraine and covers possible damages caused to third parties in the event of an accident.

The absence of a Green Card is a serious violation and may result in a refusal to enter the territory of Poland or even a fine. Polish border guards check the availability of this policy along with other documents, such as a driver's licence, technical passport and passport.

The Green Card policy guarantees financial protection in the event of an accident, as it covers damage to property or health of other persons. This is important not only for compliance with the law, but also for your own financial security. In the event of an accident without a valid policy, the driver will be fully liable for all damages caused, which can cost a significant amount.

You can apply for a Green Card for travelling abroad in your own car quickly and conveniently on the Visit Ukraine portal.

Do not postpone your preparations until the last moment - take out a policy in advance and travel to Poland confidently and safely!

General requirements for insurance policies for short and long term trips to Poland

Regardless of the purpose of your trip to Poland, having health insurance is a must for all foreigners. The requirements for insurance policies differ depending on the length of stay - whether it is a short-term visit under the visa-free regime or a long-term stay in connection with study, work or family reunification.

For short-term trips (up to 90 days), the insurance policy must meet the standards of the Schengen area. The main requirements are a minimum sum insured of EUR 30,000, coverage of all Schengen countries and coverage of emergency medical care, hospitalisation and repatriation in case of illness or death. Such insurance is required to cross the border and can be checked by border guards.

For long-term trips (over 90 days), the insurance requirements depend on the type of stay. It is important that the policy covers medical treatment, preventive examinations, emergency medical care and possible hospitalisation.

What kind of insurance can I get for Poland?

When planning a trip to Poland or a long-term stay in the country, it is important to choose the right insurance that meets your needs. There are two main options: taking out a policy with Polish insurance companies or purchasing insurance through Ukrainian insurers.

Obtaining a local insurance policy in Poland is a convenient option for those planning a long-term stay, for example, for work or study. The most popular among foreigners is insurance through the NFZ (National Health Fund of Poland) or private insurance companies. However, this option has certain disadvantages. Firstly, such policies are valid only in Poland, which means that if you plan to travel to other Schengen countries, they will not provide adequate coverage. Secondly, the cost of private insurance in Poland is quite high, especially if the policy covers a wide range of medical services.

An alternative is to buy insurance through Ukrainian insurers on the Visit Ukraine portal. This is a quick and reliable way to get a suitable policy before travelling. On the portal, you can take out travel insurance that covers emergency medical care, hospitalisation and possible unforeseen expenses during a short-term stay. If you are travelling for a long time, you can take out a health insurance policy that meets the requirements of your stay in Poland.

The choice between Polish and Ukrainian insurance depends on your needs and the duration of your trip. However, taking out insurance in advance through Ukrainian insurers is often a more convenient, cost-effective and versatile solution, especially if you plan to travel not only to Poland but also to other European countries.

Don't want to miss important updates and useful articles? Subscribe to our weekly newsletter!

What does the insurance that can be taken out at Visit Ukraine cover?

When choosing insurance for a trip to Poland, it is important to understand what risks a particular policy covers. On the Visit Ukraine portal, you can take out both health and travel insurance that meets the requirements of the Schengen area and provides financial protection in unforeseen situations.

Health insurance on the Visit Ukraine portal

The medical policies available for registration cover a wide range of services, including emergency care, COVID-19 treatment, accident insurance and transportation costs in case of emergency.

The Europe Classic policy provides basic coverage:

- Emergency outpatient and inpatient care.

- Diagnosis and treatment of COVID-19 if medically indicated.

- Coverage for medical transportation to the nearest medical facility.

- Insurance in case of an accident.

- Emergency dental care.

- Costs of repatriation of the body in case of death abroad.

The Europe Classic Plus policy provides extended coverage, including all the benefits of the Classic policy with additional services, such as organising a burial abroad and extended protection in case of emergency.

Travel insurance on Visit Ukraine portal

For travellers planning a short-term trip, travel policies with different levels of coverage are available.

The Europe Basic policy includes:

- Treatment and diagnosis of COVID-19.

- Medical assistance in case of an accident.

- Repatriation of the body in case of death.

- Emergency medical, obstetric and dental care.

- Medical evacuation in case of emergency.

Europe Comfort policy provides extended insurance coverage and additionally includes:

- Expenses for defence of the insured person's rights and legal advice.

- Compensation in case of flight delay or cancellation.

- Coverage of expenses for restoration of documents in case of their loss or theft.

- Protection in case of loss of luggage.

The most comprehensive coverage is offered by the Europe VIP policy, which, in addition to all the above services, includes

- Legal protection in the event of an accident.

- Organisation of delivery to the destination in case of car breakdown.

- Comprehensive support in case of loss or theft of documents.

How much does insurance cost on Visit Ukraine?

Health insurance

Travel insurance

Why is it worth taking out insurance for a safe trip on the Visit Ukraine portal?

- A wide range of insurance packages for any needs.

- Instant policy issuance without queues and paperwork.

- Affordable rates for any budget and transparent pricing.

- 24/7 customer support.

- Reliable insurance conditions from trusted partners.

Ensure peace of mind and protection in any situation with reliable medical and travel insurance at Visit Ukraine!

Choose insurance packages that meet your needs - from basic coverage to extended packages with additional guarantees. Instant processing, fair terms and conditions, and round-the-clock support will help you feel confident about your trip.

Don't put off your safety until later - take out insurance online and go on a trip without any worries!

Just a reminder! In today's realities, travelling without an insurance policy is almost impossible. During any trip, travel companies or tourists take out insurance to protect themselves from unforeseen situations abroad. Read here for the main criteria to consider when choosing an insurance policy.

Want to know more? Read the latest news and useful materials about Ukraine and the world in the News section.

We recommend purchasing it for a safe and comfortable trip to Ukraine: 

Visit Ukraine Insurance – insurance covering military risks for entry and travel in Ukraine;

Visit Ukraine Car Insurance – car insurance with extended coverage in Ukraine;

Visit Ukraine Legal Advice – comprehensive legal support on entry to Ukraine;

Visit Ukraine Tickets – bus and train tickets to/from Ukraine;

Visit Ukraine Tours – the largest online database of tours to Ukraine for every taste;

Visit Ukraine Hotels – hotels for a comfortable stay in Ukraine;

Visit Ukraine Merch – patriotic clothing and accessories with worldwide delivery.

© 2018-2025, Visit Ukraine. Use, copying or reprinting of materials on this site is permitted only with a link (hyperlink for online publications) to Visit Ukraine.

All rights reserved.