Changing insurance during your stay - a new plan?

Yes, in many cases it is possible to change your residence insurance, but it depends on the terms of your policy and the provisions written in it. In practice, you can switch to new insurance plans through an addendum or the purchase of a new policy. In the article, we explain when it is profitable to do so, what documents to prepare and what to watch out for to maintain continuity of coverage. We also give the differences between an addendum and a new contract, as well as the rules of grace, surcharges and refunds.

In addition, we have linked materials that will help you understand the basics of insurance and more quickly find answers to FAQs.

By default, you will make changes on the policy anniversary. Often, however, with the insurer's approval, modifications are also possible during the policy year. Changes are confirmed by an addendum or a new policy issued under the current terms and conditions. The insurer may require an application, a risk assessment and the insured's signature. Be aware of deadlines: some companies indicate, for example, 30 days before the policy anniversary to submit an application.

An addendum changes the existing contract (e.g., coverage, amounts, premium frequency). A new policy means a new contract and a new period of insurance. An annex makes it easier to maintain continuity of coverage and insurance history. A new policy is sometimes beneficial when you want a completely different product or company. Also check the requirements for foreigners regarding visas and residence cards, if the change concerns residence permits.

When extending coverage, penalties may apply for new risks or higher sums. Some companies start coverage from the beginning of the next policy month or on a specific date specified in the addendum. In a new policy, the start of coverage may be immediate or after a short grace period. If you are already in Poland, make sure to find out when the new coverage realistically takes effect.

When „upgrading” coverage, the premium increases proportionally from the effective date of the changes. The insurer may charge a surcharge if there are many months left before the end of the term. With a „downgrade” of coverage, the premium usually decreases from the date of the addendum. Termination of the contract results in a refund of the unused premium, as long as the benefit limits have not been exhausted. The refund counts proportionally to the unused period.

Termination usually works at the end of the policy month or after 30 days. Ensure that the new contract starts exactly the day after the old one ends. Otherwise, there will be a gap in protection. Before you make a decision, compare coverages and limits, such as in the area of hospital treatment.

Changing your plan will be easy if you follow a short process. Use the list to make sure you don't miss anything and maintain continuity of protection in Poland.

If you need a private policy, browse the section private insurance. If in doubt, return to the section FAQs, where you will find short answers and examples.