Can I change my insurance to a different plan during my stay?

Is it possible to change insurance during your stay? Yes, but specific conditions and deadlines must be met. In this guide, we explain how to switch from your current plan to new insurance plans without any interruption in coverage.

You will learn when and under what conditions you can make changes to your insurance, what a policy amendment is, what costs and waiting periods may apply, and how to ensure that the change to your insurance plan meets the requirements for a visa or residence card in Poland.

In most cases, changes to the plan are possible on the policy anniversary date. The request must be submitted in advance, usually up to 30 days before the anniversary date. Changes require the insurer's consent and are confirmed in writing, in the form of an annex to the policy or a new policy.

The insurer may specify additional conditions for the change, including the documents that must be provided. In the event of an increase in the sum insured, an individual risk assessment may be carried out. For details, please refer to the section Frequently asked questions.

Extending the scope of coverage with new additional agreements may trigger a waiting period, i.e., a temporary restriction on the payment of benefits. Events caused by an accident are sometimes excluded from this waiting period. Remember that changes must be confirmed in a written amendment to the policy.

Submitting a request for change involves selecting the scope, sum insured, and frequency of premium payments. Changes usually take effect on the next policy anniversary or on another date specified in the contract. The insurance company may refuse to make the change if the risk is too high.

When increasing the sum insured, the insurer may require medical documentation or tests. Submit your application in advance to avoid any interruption in coverage. If you have any questions, go to the website. Get in touch and ask your advisor about the procedure.

Extending coverage usually means paying an additional premium. Narrowing the scope may reduce the premium from the next billing period. The waiting period after the change affects the payment of benefits in the first weeks or months, depending on the provisions of the General Terms and Conditions.

You have two options: change the terms of your current policy or cancel it and take out a new one. Changing your current policy ensures continuity of coverage. A new policy may require a reassessment of risk and result in different exclusions, for example, in relation to pre-existing conditions.

Compare coverage, insurance amounts, waiting periods, and premiums. Ensure that the plan covers key risks, including costs. inpatient treatment. Avoid gaps in coverage by synchronizing the end and start dates of your policies.