{"id":3890,"date":"2026-11-05T01:27:40","date_gmt":"2026-11-05T00:27:40","guid":{"rendered":"https:\/\/insurancevisa.com\/?p=3890"},"modified":"2026-11-05T01:27:40","modified_gmt":"2026-11-05T00:27:40","slug":"how-to-manage-an-insurance-policy-if-you-dont-speak-polish","status":"publish","type":"post","link":"https:\/\/insurancevisa.com\/en\/poradnik\/najczestsze-pytania-i-problemy-cudzoziemcow\/jak-obslugiwac-polise-gdy-nie-mowi-sie-po-polsku\/","title":{"rendered":"How do you manage your insurance policy if you don't speak Polish?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">A lack of fluency in Polish does not have to prevent a foreign national from purchasing or later managing a medical expense insurance policy. However, it does require proper preparation. Before signing the contract, it\u2019s a good idea to check the language used by the hotline, emergency center, forms, and documents, and before reporting an incident, gather the information necessary to identify the policy and the insured person\u2019s situation. If a family member or interpreter is to assist with communication, you should agree in advance with the insurer on the terms of their involvement and the process for relaying information. <strong>The availability of a specific language should not be assumed in advance<\/strong> \u2014 It may depend on the product you choose, the contact channel, and the time of your inquiry. A few simple steps taken before making a purchase can help you avoid having to improvise when you need immediate assistance.<\/p>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Table of contents<\/p>\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#jak-sprawdzic-jezyk-obslugi-przed-zakupem\">How to Check the Language of the User Interface Before Purchasing<\/a><\/li>\n<li><a href=\"#pomoc-zaufanej-osoby-lub-tlumacza\">Help from a trusted person or an interpreter<\/a><\/li>\n<li><a href=\"#co-przygotowac-przed-kontaktem-z-ubezpieczycielem\">What to Prepare Before Contacting Your Insurance Company<\/a><\/li>\n<li><a href=\"#porownanie-cen-klc\">Comparison of KLC Policy Prices for 12 Months<\/a><\/li>\n<li><a href=\"#jak-przeprowadzic-rozmowe-krok-po-kroku\">How to Conduct an Interview, Step by Step<\/a><\/li>\n<li><a href=\"#faq\">Frequently asked questions<\/a><\/li>\n<\/ol>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-sprawdzic-jezyk-obslugi-przed-zakupem\">How to Check the Language of the User Interface Before Purchasing<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Check the language information <strong>separately for each method of contact<\/strong>. A multilingual sales website does not determine the language of subsequent communication with the emergency call center. The consultant assisting with the purchase does not have to speak the same languages as the person receiving the incident report.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before purchasing, ask about:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-1:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-1 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-1 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-1 .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-1 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items6e5180d4-check-1 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-1 ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-1 .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-1 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-1 .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items6e5180d4-check-1 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop kt-tablet-svg-icon-list-columns-1 kt-mobile-svg-icon-list-columns-1\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-6e5180d4-check-1-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-6e5180d4-check-1-1 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-6e5180d4-check-1-1 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>language of the emergency call center<\/strong> and its operating hours;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-6e5180d4-check-1-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-6e5180d4-check-1-2 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-6e5180d4-check-1-2 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">the language of the helpline used to provide support for an existing contract;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-6e5180d4-check-1-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-6e5180d4-check-1-3 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-6e5180d4-check-1-3 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">language of the application form;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-6e5180d4-check-1-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-6e5180d4-check-1-4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-6e5180d4-check-1-4 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">the language of the policy documents, including the insurance terms and conditions and the instructions on what to do after an incident;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-6e5180d4-check-1-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-6e5180d4-check-1-5 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-6e5180d4-check-1-5 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">a channel where you can ask for clarification on content you don't understand.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Your question should be specific: \u201eIn what language can I report an incident and receive instructions?\u201d Next, check whether the answer refers to a phone call, a form, or another channel specified in the documents. If you receive it in writing, <strong>Keep the response along with the policy<\/strong>. Be sure to also note the date you checked this and the product name. Do not treat this information as a guarantee that the rules will never change.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">UNIQA\u2019s 2020 General Terms and Conditions state that information from the emergency call center is provided in Polish. This is an example that illustrates why one should not apply the terms of a single policy to all products. Before making an urgent contact, always use the current information provided in your own policy documents.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you're still having trouble understanding the terms and conditions, check out <a href=\"https:\/\/insurancevisa.com\/en\/guide\/foreigners-most-frequent-questions-and-problems\/what-should-i-do-if-i-dont-understand-the-terms-of-the-policy\/\">What to Do When the Policy Terms Are Unclear<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"pomoc-zaufanej-osoby-lub-tlumacza\">Help from a trusted person or an interpreter<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A trusted person can help you understand the questions, sort out the facts, and interpret the conversation. However, their presence does not mean that the insurer will automatically share information about the policy or your health status with them. <strong>First, establish the rules for representing the insured person<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before the conversation, ask:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-2:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-2 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-2 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-2 .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-2 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items6e5180d4-check-2 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-2 ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-2 .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-2 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-2 .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items6e5180d4-check-2 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop kt-tablet-svg-icon-list-columns-1 kt-mobile-svg-icon-list-columns-1\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-6e5180d4-check-2-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-6e5180d4-check-2-1 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-6e5180d4-check-2-1 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Can another person participate in the interaction as an interpreter?;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-6e5180d4-check-2-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-6e5180d4-check-2-2 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-6e5180d4-check-2-2 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">how the insured person is to verify their identity and consent to their participation;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-6e5180d4-check-2-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-6e5180d4-check-2-3 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-6e5180d4-check-2-3 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Is a power of attorney required, and if so, in what form?;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-6e5180d4-check-2-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-6e5180d4-check-2-4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-6e5180d4-check-2-4 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">what information may be shared with the person providing assistance;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-6e5180d4-check-2-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-6e5180d4-check-2-5 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-6e5180d4-check-2-5 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Can the insurer contact the insured person or his or her representative at the provided phone number?.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">UNIQA\u2019s General Terms and Conditions of Insurance from 2020 require the provision of a phone number at which the emergency call center can contact the insured or their representative, as well as the option to grant the necessary powers of attorney. This is not a promise that an interpreter will be provided. Rather, it shows that <strong>Consent and a power of attorney may be required<\/strong> depending on how the case is handled.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before contacting us, please also make sure to <strong>scope of data provided<\/strong>. The person assisting does not need to know the entire story if their role is limited to interpreting the current conversation. Discuss what information they may share and whether they should respond on behalf of the insured person. This clarification minimizes the risk that, under time pressure, information unrelated to the purpose of the conversation will be disclosed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Additional formalities may apply in the case of medical information. For example, Compensa\u2019s General Insurance Terms and Conditions (OWU) from 2026 provide for the possibility of requesting written consent to obtain information from service providers when necessary to assess a claim. Please check your policy documentation for the exact requirements.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-przygotowac-przed-kontaktem-z-ubezpieczycielem\">What to Prepare Before Contacting Your Insurance Company<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A brief, well-organized note reduces the risk that important information will be lost during translation. It should contain only the facts necessary to identify the policy, the situation, and the expected assistance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Prepare:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-3:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-3 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-3 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-3 .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-3 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items6e5180d4-check-3 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-3 ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-3 .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-3 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-3 .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items6e5180d4-check-3 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop kt-tablet-svg-icon-list-columns-1 kt-mobile-svg-icon-list-columns-1\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-6e5180d4-check-3-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-6e5180d4-check-3-1 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-6e5180d4-check-3-1 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>policy number<\/strong>;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-6e5180d4-check-3-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-6e5180d4-check-3-2 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-6e5180d4-check-3-2 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">the insured person's first and last name;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-6e5180d4-check-3-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-6e5180d4-check-3-3 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-6e5180d4-check-3-3 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">contact phone number;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-6e5180d4-check-3-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-6e5180d4-check-3-4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-6e5180d4-check-3-4 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>brief description of the incident<\/strong>;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-6e5180d4-check-3-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-6e5180d4-check-3-5 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-6e5180d4-check-3-5 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">information about what kind of assistance the insured person needs.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">This procedure is in accordance with the information set forth in the 2020 UNIQA General Terms and Conditions. When contacting the emergency call center, you should explain the circumstances, specify the assistance needed, and provide the basic details of the insurance policy and the insured person.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In your description, include the following in this order: what happened, when and where the incident occurred, what assistance is needed, and the phone number to contact the insured person or their representative. Do not include any assumptions. If you are using an interpreter, you can prepare the same brief note in Polish and in a language you are fluent in.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you file a claim at a later date, you may need to provide a description of the circumstances, medical records, invoices, receipts, and proof of payment. <strong>Keep your documents from the start of the case<\/strong>, but don't assume that the same list applies to every policy. <strong>The exact set depends on the product and the occasion<\/strong> and should be based on the terms of your own policy and the insurer's instructions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before submitting the form, check the spelling of your last name and policy number. If a field is unclear, ask for an explanation of what it means. <strong>Do not guess the answers regarding the incident or the documentation<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"porownanie-cen-klc\">Comparison of KLC Policy Prices for 12 Months<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Prices are taken from the retailers\u2019 online calculators and were retrieved on October 26, 2026. The specified policyholder profiles were compared; in each case, Polisarium was the least expensive among the offers retrieved. The offer cards will appear directly below this paragraph.<\/p>\n\n\n\n<div class=\"wp-block-group klc-porownanie\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"klc-porownanie__profil wp-block-paragraph\">Profile 1: One person, age 30, coverage for 12 months in Poland, medical expenses of 30,000 EUR, without coverage for manual labor<\/p>\n\n\n\n<div class=\"wp-block-group klc-porownanie__oferty\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group klc-oferta klc-oferta--najtansza\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"klc-oferta__etykieta wp-block-paragraph\">Lowest price<\/p>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"klc-oferta__sprzedawca wp-block-paragraph\">Polisarium<\/p>\n\n\n\n<p class=\"klc-oferta__polisa wp-block-paragraph\">Europ Assistance policy<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"klc-oferta__cena wp-block-paragraph\">481 PLN<\/p>\n\n\n\n<p class=\"klc-oferta__okres wp-block-paragraph\">in 12 months<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group klc-oferta\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns are-vertically-aligned-center is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"klc-oferta__sprzedawca wp-block-paragraph\">iExpert<\/p>\n\n\n\n<p class=\"klc-oferta__polisa wp-block-paragraph\">Colonnade policy<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"klc-oferta__cena wp-block-paragraph\">556 PLN<\/p>\n\n\n\n<p class=\"klc-oferta__okres wp-block-paragraph\">in 12 months<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group klc-oferta\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns are-vertically-aligned-center is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"klc-oferta__sprzedawca wp-block-paragraph\">Wiener<\/p>\n\n\n\n<p class=\"klc-oferta__polisa wp-block-paragraph\">Wiener policy<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"klc-oferta__cena wp-block-paragraph\">691 PLN<\/p>\n\n\n\n<p class=\"klc-oferta__okres wp-block-paragraph\">in 12 months<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"klc-porownanie__profil wp-block-paragraph\">Profile 2: One person, age 30, coverage for 12 months in Poland and the Schengen Area, medical expenses of 30,000 EUR, without coverage for manual labor<\/p>\n\n\n\n<div class=\"wp-block-group klc-porownanie__oferty\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group klc-oferta klc-oferta--najtansza\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"klc-oferta__etykieta wp-block-paragraph\">Lowest price<\/p>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"klc-oferta__sprzedawca wp-block-paragraph\">Polisarium<\/p>\n\n\n\n<p class=\"klc-oferta__polisa wp-block-paragraph\">Europ Assistance policy<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"klc-oferta__cena wp-block-paragraph\">609 PLN<\/p>\n\n\n\n<p class=\"klc-oferta__okres wp-block-paragraph\">in 12 months<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group klc-oferta\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns are-vertically-aligned-center is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"klc-oferta__sprzedawca wp-block-paragraph\">iExpert<\/p>\n\n\n\n<p class=\"klc-oferta__polisa wp-block-paragraph\">Colonnade policy<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"klc-oferta__cena wp-block-paragraph\">612 PLN<\/p>\n\n\n\n<p class=\"klc-oferta__okres wp-block-paragraph\">in 12 months<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"klc-porownanie__uwaga wp-block-paragraph\">Prices from retailers' online calculators, as of October 26, 2026. The premium depends on age, term, and coverage.<\/p>\n<\/div><\/div>\n\n\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>Important:<\/strong><\/p>\n\n\n<p class=\"wp-block-paragraph\">Prices depend on age, the policy term, and the scope of coverage, and individual offers may have different limits and exclusions. A single day\u2019s quote does not guarantee a future price advantage and does not replace checking the current terms and conditions based on the insured person\u2019s actual information.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-przeprowadzic-rozmowe-krok-po-kroku\">How to Conduct an Interview, Step by Step<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Start by <strong>Determining the language and the role of the helper<\/strong>. Let them know that the insured person is present but needs language assistance. Ask how you can verify their identity and confirm their consent to have another person participate in the conversation. <strong>Do not share any data through a third party without first agreeing on the terms<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Next, provide your policy number, first and last name, and phone number. Briefly describe the circumstances and the type of assistance you need. If the consultant\u2019s question is unclear, ask them to repeat it in simpler terms. The interpreter should translate what is said, not fill in the gaps with their own assumptions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Finally, make a note of the instructions you receive. Repeat them in your own words and ask for confirmation that you have understood them correctly. Write down which documents need to be submitted, through which channel, and whether any additional consent or power of attorney is required. <strong>Keep the insurer's instructions separate from your own notes<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A practical outline for the conversation:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>determining the available language;<\/li>\n<li>verification of the insured person's identity;<\/li>\n<li>arranging for an interpreter or representative to be present;<\/li>\n<li>providing the policy information and a description of the situation;<\/li>\n<li>Save the instructions and the list of required documents.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faq\">Frequently asked questions<\/h2>\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n\n<h3 class=\"wp-block-heading\" id=\"czy-ubezpieczyciel-musi-obsluzyc-mnie-po-angielsku\">Does the insurance company have to provide service to me in English?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">You shouldn't assume this. You need to check which languages are available for a specific product and contact channel. Information obtained before making a purchase is helpful, but <strong>does not guarantee that the selected language will always be available<\/strong>.<\/p>\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-bliska-osoba-moze-tlumaczyc-rozmowe\">Can a close friend or family member interpret the conversation?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">It may be helpful if the insurer accepts this method of contact and the requirements regarding identification and the insured person's consent are met. <strong>Before submitting your data, please confirm that you have completed the required formalities<\/strong>, including any power of attorney.<\/p>\n\n\n<h3 class=\"wp-block-heading\" id=\"co-przygotowac-przed-kontaktem-z-centrum-alarmowym\">What should you do before contacting the emergency call center?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Have your policy number, the insured person's first and last name, your phone number, a brief description of the circumstances, and details about the assistance you need ready. A bilingual note can help ensure this information is conveyed accurately.<\/p>\n\n\n<h3 class=\"wp-block-heading\" id=\"jakie-dokumenty-moga-byc-potrzebne-przy-zgloszeniu\">What documents might be required when filing a claim?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Depending on the product and the incident, these may include a description of the circumstances, medical records, invoices, receipts, and proof of payment. <strong>Check the requirements in your own insurance policy<\/strong>, because the list is not the same for every policy.<\/p>\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-ubezpieczyciel-moze-poprosic-o-zgode-dotyczaca-danych-medycznych\">Can an insurer request consent regarding medical information?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Some insurance policies provide for this possibility. For example, Compensa\u2019s General Insurance Terms and Conditions from 2026 specify the possibility of requesting written consent to obtain information from service providers when such information is necessary to assess a claim. The scope of the consent should correspond to the requirements of the specific case.<\/p>\n\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The process of managing a policy without a good command of Polish begins even before you purchase it. <strong>First, check the language and contact guidelines<\/strong> with the insurer, then prepare the necessary policy information, a description of the situation, and identify a person who will assist with communication\u2014after first agreeing with the insurer on the terms of their involvement and the sharing of information. If you are looking for a medical expense insurance policy for a foreign national, use the verified purchase form available on insurancevisa.com.<\/p>\n\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/insurancevisa.com\/en\/\">BUY INSURANCE ONLINE<\/a><\/div>\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>A lack of fluency in Polish does not have to prevent you from purchasing or later managing a medical expense insurance policy for a foreign national. However, it does require proper preparation. Before\u2026<\/p>","protected":false},"author":1,"featured_media":3889,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[43],"tags":[108,106,105,109,107],"class_list":["post-3890","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-najczestsze-pytania-i-problemy-cudzoziemcow","tag-jezyk-centrum-alarmowego","tag-kontakt-z-ubezpieczycielem-po-angielsku","tag-obsluga-polisy-bez-polskiego","tag-pelnomocnik-do-kontaktu-z-ubezpieczycielem","tag-tlumaczenie-podczas-zglaszania-leczenia"],"acf":[],"yoast_head":"<!-- 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