{"id":3588,"date":"2026-10-26T22:47:11","date_gmt":"2026-10-26T21:47:11","guid":{"rendered":"https:\/\/nazycie.pl\/?p=3588"},"modified":"2026-10-26T22:47:11","modified_gmt":"2026-10-26T21:47:11","slug":"medical-expenses-for-a-foreign-national-in-poland","status":"publish","type":"post","link":"https:\/\/nazycie.pl\/en\/poradnik\/koszty-leczenie-cudzoziemca\/koszty-leczenia-cudzoziemca-w-polsce\/","title":{"rendered":"Medical Costs for Foreigners in Poland\u2014Who Pays?"},"content":{"rendered":"

The costs of medical treatment for a foreign national in Poland can be covered by insurance only if the specific incident falls within the terms of the policy. The name of the policy alone is not enough to determine who will pay the bill. It is crucial to check the scope of coverage specified in the policy<\/strong>, insurance coverage limits, sub-limits, exclusions, and obligations related to reporting an incident. The version of the General Insurance Conditions (GIC) is also important, as individual insurance companies may define the scope of coverage differently. Below, we explain what to check in the GTCs of Compensa, Ergo Hestia, and Uniqa. This is not a one-size-fits-all solution for every situation, but a practical way to assess whether\u2014and under what conditions\u2014the insurer may be liable for Costs of emergency medical treatment in Poland<\/strong>.<\/p>\n\n\n\n

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

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  1. What determines whether medical expenses are covered?<\/a><\/li>\n\n\n\n
  2. What coverage might a policy for a foreign national include?<\/a><\/li>\n\n\n\n
  3. How do the total insured amount, sublimits, and exclusions work?<\/a><\/li>\n\n\n\n
  4. How do I prepare the application and supporting documents?<\/a><\/li>\n\n\n\n
  5. Frequently Asked Questions About the Cost of Medical Treatment for Foreigners<\/a><\/li>\n\n\n\n
  6. What should you check before choosing a policy?<\/a><\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n

    What determines whether medical expenses are covered?<\/h2>\n\n\n\n

    The answer can be found in the specific contract documents. First, check whether the policy includes Selected coverage<\/strong> regarding medical expenses in Poland. Next, compare the description of the incident with the coverage, limits, and exclusions in the General Terms and Conditions of Insurance. Only by making this comparison can you determine whether the cost is covered by the insurer.<\/p>\n\n\n\n

    A good example is the medical expenses clause in Compensa\u2019s General Terms and Conditions of Insurance from 2026. According to this document, the clause applies if the policyholder has selected this coverage. It covers medically necessary medical expenses for the treatment of an illness or the consequences of an accident that occurred in Poland, provided that the insured person must undergo treatment immediately while in the country.<\/p>\n\n\n\n

    This is an important distinction. The document does not describe just any medical expense. It links liability to a specific scope and event: illness or the consequences of an accident<\/strong> that require immediate treatment. This provision should not be automatically applied to other policies or other versions of the General Terms and Conditions.<\/p>\n\n\n\n

    Before signing a contract, it\u2019s a good idea to consider three factors:<\/p>\n\n\n