Private insurance companies: Top 5 for foreigners

For many foreigners, choosing an insurance policy is the first „formal” step after arriving in Poland. Good health insurance for foreigners provides access to treatment, and in many official matters it is a document that simply cannot be ignored. The problem is that offers vary in scope, limits, and exclusions, and product names sound similar.

In this article, I show top insurance companies, which most often have solutions for people from abroad, and I also suggest what to look for when the goal is insurance for residence permit. This is not a ranking of „the cheapest is always the best,” but rather a practical guide to facilitate comparison.

Before moving on to the names, it is worth establishing the criteria. For foreigners, it is crucial whether the policy is intended for a stay in Poland and whether it covers medical expenses in Poland. In practice, such private insurance companies They offer products with limited benefits, assistance, and often extras such as accident insurance or personal liability insurance.

Also check whether the insurance covers „arrival and temporary stay” and what the definitions of stay and country of permanent residence are. The general terms and conditions contain precise definitions of a foreigner and a country of permanent residence, which affect acceptance for coverage. If you need a policy to legalize your stay, start with the guide. Requirements for the 2025 residence card.

In most products, restrictions result from exclusions of liability. For example, insurance for foreigners may exclude costs incurred outside Poland or benefits not related to sudden illness. It is also worth paying attention to the waiting period in some health products, as the waiting period may mean a lack of coverage at the outset in certain events.

If you don't want to overpay for coverage you don't need, check out this article as well. mistakes when choosing insurance.

Below you will find 5 brands that often appear in the context of insurance policies for foreigners. In practice, the availability of specific options depends on your age, purpose of stay, and length of coverage, so treat this list as a starting point for comparing offers, rather than the „only right choice.” If you want to see a broader overview, this may also be helpful. 2025 private insurance ranking.

TUZ has a product described in the General Terms and Conditions as insurance covering the medical expenses of foreigners during their stay in Poland. The product documentation explicitly states that it is intended for foreign individuals. Depending on the option, you may also find additional features, such as personal liability insurance as an additional clause.

For those who want „insurance for official purposes,” a clear direction is often an advantage: medical costs in Poland and a policy/certificate document. Always compare limits and exclusions, because the scope of coverage is key to the real usefulness of the policy.

Compensa offers solutions that refer to „foreigners” and their stay in Poland in the materials. In practice, such a product is often chosen as private insurance for foreigners, because it combines medical expenses with assistance elements, and sometimes also accident insurance or civil liability insurance in private life. This is important when you want broader coverage than just a basic visit to the doctor.

Before purchasing, check whether the policy covers sudden illness and hospitalization, and whether the document is issued for a period consistent with your residence application. If you are a student, see also student insurance in Poland.

Generali is more often associated with travel insurance, but its general terms and conditions also include insurance sums and guarantee sums that help organize coverage: separately for medical expenses, accident insurance, and civil liability insurance. For foreigners, it is important that the option applies to their stay in Poland and is acceptable in their situation (purpose of stay and duration).

If you are traveling between countries, pay attention to the geographical area. This is important because not every policy „for foreigners” is valid outside the territory of the Republic of Poland, and in addition, territorial limits may apply.

UNIQA offers health solutions and products with treatment elements, where the terms of liability and any waiting period are particularly important. Product documents often specify a waiting period calculated in months, which may not apply to accidents but may apply to some sickness benefits. For someone who needs protection „starting tomorrow,” this is of real importance.

If you are considering UNIQA, make sure you choose a policy for your stay in Poland (foreigner) or a product of a different nature. Also ask about the scope of coverage in case of hospitalization, transport, and assistance.

PZU has a wide range of products, including travel and health insurance. For foreigners, it will be crucial to choose a variant that covers the costs of medical treatment in Poland during their stay, and the policy document is legible for the authorities. With PZU (as with other large insurers), it is worth comparing several variants, because the names of the packages are often similar, and the differences in limits are significant.

If you have a family, pay attention to the possibility of covering your loved ones and how the insurer defines loved ones or spouses. This often appears in the general terms and conditions as detailed definitions.

If you have several offers from different companies, make a quick comparison on a piece of paper. For most people, acceptance by the authorities is the most important factor, but right after that comes practicality: will you actually receive treatment in the event of illness, and how quickly will the assistance work?.

If you have any doubts, you may also find the article on changing your policy during your stay helpful: Can I change my insurance?. This is a common question when your budget increases or your work status changes.