Publication date: 24.10.2024
What kind of insurance is required for a residence card?
Obtaining a residence card (residence permit) in Poland involves mandatory compliance with a number of requirements, one of which is health insurance. Health insurance is an important element that confirms a foreigner's ability to cover medical expenses during their stay in Poland. The availability of an appropriate insurance policy is one of the key documents to be submitted when applying for a residence card.
Basic requirements for health insurance for a residence card
Polish law provides for several insurance options that can be used to apply for a residence card. These can be both public and private insurance policies. It is important that the insurance policy covers a minimum set of medical services and meets the requirements of Polish authorities.
Basic requirements for insurance:
- The policy must cover all necessary medical expenses, including emergency care.
- The insurance coverage must be valid on the territory of Poland and, if possible, other Schengen countries.
- The minimum amount of coverage must be at least EUR 30,000.
- The insurance must be valid for the entire period of the foreigner's planned stay in Poland.
Compliance with these requirements ensures the successful submission of an application for a residence card and reduces the risk of refusal or delays in the process of processing documents.
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What types of insurance are suitable for a residence card?
Several types of insurance policies can be used to obtain a Residence Card in Poland. These can be both public and private insurance companies that offer health insurance for foreigners.
Types of insurance:
- NFZ (Narodowy Fundusz Zdrowia ) is the national health insurance system in Poland. If you are officially employed in Poland, your employer can pay contributions to the NFZ, which allows you to use public healthcare services.
- Private health insurance - insurance policies that can be purchased from private insurance companies. It is important that the policy meets all the requirements of Polish law (minimum amount of coverage, period of validity, etc.).
- International health insurance is a policy issued by an insurance company outside of Poland, but which is valid in Poland and meets the minimum coverage requirements.
The choice of the type of insurance depends on your situation: if you are employed, the best option is to use NFZ. If you are self-employed or studying, private insurance may be a more convenient option.
Documents confirming the availability of health insurance
When applying for a Residence Card, you need to provide documents confirming that you have valid insurance. These may be different types of documents depending on the type of insurance you have chosen.
The main documents required to prove health insurance:
- Insurance contract or policy confirming the existence of private insurance.
- Proof of contributions to the NFZ if you use public insurance.
- A copy of the international insurance policy (if available).
- A document confirming the minimum coverage (at least EUR 30,000).
Please note that Polish authorities may require translation of documents into Polish if they are issued by a foreign insurance company.
How to choose a suitable health insurance for a residence card?
When choosing an insurance policy for a residence card, it is important to pay attention to several key aspects. Choosing the right insurance will not only help you obtain a residence permit, but will also provide reliable protection in case of illness or accident during your stay in Poland.
Key criteria for choosing insurance:
Minimum coverage - make sure that the policy meets the requirements for the minimum amount of coverage (30,000 euros).
Availability of emergency assistance - the insurance policy should cover the costs of emergency medical services.
A trusted provider - choose an insurance company with a good reputation in the market and customer reviews.
Legal advice will help you make the right choice and ensure that the policy meets all the requirements for obtaining a Residence Card.
Is it possible to use Polish public health insurance NFZ for a residence card?
Yes, the public health insurance NFZ (Narodowy Fundusz Zdrowia) is an acceptable option for obtaining a residence card. If you are officially employed in Poland, your employer pays NFZ contributions, which automatically gives you access to the public healthcare system.
Questions
How do I get NFZ health insurance?
Answer
In order to obtain NFZ insurance, you need to be officially employed or register your own business in Poland. NFZ contributions are paid by an employer or a self-employed person. You can also voluntarily join the NFZ system by paying monthly contributions.
Question
Are private insurance policies accepted for obtaining a Residence Card?
Answer
Yes, private insurance policies are accepted provided they meet the requirements of Polish law. It is important to make sure that the insurance covers the minimum required amount, including emergency care, and is valid in Poland.
What should I do if my insurance does not meet the requirements?
If your insurance does not meet the requirements for obtaining a Residence Card, the Polish authorities may require you to submit additional documents or replace the insurance policy. In this case, it is important to make the necessary adjustments in time to avoid a refusal to issue a residence permit.
A lawyer will help you assess the compliance of your insurance policy, as well as advise you on the necessary changes or the choice of a new policy, if necessary.
Health insurance is a prerequisite for obtaining a residence card in Poland. Choosing a suitable insurance policy that meets all the requirements of Polish law will help to avoid delays in the process of paperwork. Legal advice will allow you to make the right choice of insurance and ensure the successful obtainment of a residence permit.
