| Your situation | Insurance requirement |
|---|---|
| Schengen visa applicant | Mandatory β minimum β¬30,000 coverage |
| EU/EEA citizen with EHIC | Not mandatory but strongly recommended |
| Type D national visa (work/study) | Mandatory β minimum β¬30,000 coverage |
| Already insured through the NFZ in Poland | Not mandatory |
π€ Minimum Requirements for Visa Insurance
- Coverage: minimum β¬30,000
- Valid in all 29 Schengen countries, not just Poland
- Covers: emergency medical treatment, hospitalization, and repatriation to home country
- Valid for the full duration of your intended stay
- Zero or maximum 50 EUR deductible (some consulates reject higher deductibles)
- Original Certificate in English or Polish, signed, not handwritten
π What Happens Without Insurance in Poland
Healthcare costs for uninsured foreigners can be severe:
- Ambulance call: ~500β1,500 PLN
- Overnight hospital stay: 5,000β15,000 PLN
- Surgery or ICU: 10,000β200,000 PLN
- Medical repatriation by air: β¬15,000ββ¬50,000