Insurance limits for foreigners in Poland 2025

Planning to stay in Poland and wondering what limits your insurance should have to realistically protect your health and budget? Well-chosen sums and sub-limits determine whether medical bills will be covered by the policy. In this guide, we explain how limits work for foreigners in Poland, what values are typical in 2025 and what to look for in the T&Cs.

You will learn how the sum insured differs from the sublimit, what protection is provided by assistance and when exclusions occur. This will make it easier for you to choose a policy that fits your residency legalization requirements and your own needs.

The sum insured is the maximum amount the insurer will pay in total for covered medical expenses and services. In policies for foreigners in Poland, the sum is sometimes expressed in euros and covers hospital treatment, surgery and medical transportation, among other things. In 2025, the values encountered are usually between €10,000 and €50,000 for medical expenses in Poland.

Sublimits (sub-limits) limit payouts in specific categories, such as dental, companion stay or rehabilitation. For example, emergency dental treatment is sometimes limited in amount, and assistance benefits have per-event or per-per-insurance period limits. In practice, it is the sublimits that most often determine the real level of protection.

Standard coverage includes inpatient and surgical treatment, outpatient visits, diagnostics, medical transportation, emergency center treatment arrangements, and repatriation or funeral arrangements. Add-ons are often available: accident and health insurance, personal liability, baggage and chronic disease extension. Check out the practical terms of reference for foreigners.

In offers to foreigners, Poland most often provides: medical expenses in Poland within the range of €10,000-50,000, with coverage for hospital stay and surgery up to the sum. NNW is usually set in PLN, most often PLN 10,000-60,000. Third party liability in private life is sometimes offered at €25,000-200,000. It is worth verifying that the currency of the sum coincides with your expectations.

Assistance includes arranging treatment through an emergency center, transportation between facilities and often repatriation. Additional services, such as a companion, accommodation after discharge or return after treatment, generally have separate sublimits and time limits. You can read about practical selection criteria in the guide what to look for.

The T&Cs usually exclude the costs of childbirth after the 32nd week of pregnancy and elective perinatal services. Emergency medical events are generally covered, and preventive care and dental prosthetics are limited. Mental disorders, birth defects or elective treatment are also sometimes excluded. If you have a chronic illness, check the possibility of extending coverage and the corresponding sublimit.

Important: chronic diseases often require an additional premium and have a separate limit, and failure to extend may result in denial of coverage. It is also worth checking the maximum duration of hospitalization within the limit, the grace period and the emergency center notification procedure. For practical tips, see the articles on get medical attention and requirements for residence card 2025.