Health Insurance for TRC (Karta Pobytu)
Affordable & Compliant Options from Wiener – Perfect for International Students and Foreigners in Poland
If you’re living in Poland as an international student or worker from India, the Philippines, Indonesia, African countries (like Nigeria, Kenya, etc.), Canada, the United States, the United Kingdom, Colombia, or elsewhere — and you’re applying for or renewing your temporary or permanent residence card (karta pobytu) — you need proper private health insurance.
Polish authorities (Urząd Wojewódzki / Voivodeship Offices) require it if you’re not covered by the public NFZ system (via employment, ZUS, or university agreement). For most non-EU/EEA foreigners and international students, this means private medical insurance with a minimum coverage of €30,000 for medical expenses (this standard remains in effect as of 2026, covering treatment, hospitalization, emergency care, medical transport, and repatriation if needed).
As an official insurance agent and partner of Wiener TU S.A. (part of Vienna Insurance Group — a trusted European insurer), ONE PLUS provides the most competitive prices in Poland. You won’t find cheaper fully compliant policies that are reliably accepted in offices across Warsaw, Kraków, Wrocław, Poznań, Gdańsk, and beyond.
Why Health Insurance Is Mandatory for Your Karta Pobytu
Especially for students and foreigners not in the public system, private insurance is required to prove access to healthcare in Poland.
- Covers essential costs: treatment, hospitalization, emergencies, transport, and repatriation.
- Minimum amount: €30,000 (standard requirement for residence permits and student stays).
- Must be valid for your entire planned stay and during the application/decision process.
- Issued by a licensed Polish insurer like Wiener (our policies come ready in Polish for submission).
Missing or unsuitable insurance often leads to rejection or delays — secure it properly with us!
Why Choose ONE PLUS & Wiener?
- Guaranteed Compliance — Wiener policies via ONE PLUS are tailored for karta pobytu, national visas, and extensions. Fully accepted nationwide for students and workers.
- Lowest Prices Available — Direct partner rates mean 10-20% savings compared to market averages — no hidden fees, ideal for budget-conscious internationals.
- Instant & Simple Online Process — Get your policy in 5-10 minutes; PDF delivered by email right after payment.
- Flexible Coverage Terms — From 6 months (great for quicker processing) to 1 year or more, with easy renewals.
- English-Language Support — Helpful assistance in English (plus Russian, Ukrainian, Polish if preferred). We guide you on Urząd documents.
- Optional Extras — Add accident coverage (NNW) for extra protection against injuries.
Health insurance pricing for Residence Permit (TRC)
All options meet or exceed the €30,000 minimum and suit student/foreigner applications. Prices include deductible where noted.
1-Year Coverage Options
| Coverage | Conditions | Price |
|---|---|---|
| €10,000 (deductible) | No physical/manual work | 238 PLN |
| €10,000 (deductible) | No physical work + Accident (NNW 10,000 PLN) | 297 PLN |
| €10,000 (deductible) | Includes physical work, no NNW | 523 PLN |
| €30,000 (deductible) | No physical/manual work (recommended) | 529 PLN |
| €30,000 (deductible) | No physical work + Accident (NNW 10,000 PLN) | 588 PLN |
| €30,000 (deductible) | Includes physical work, no NNW | 1162 PLN |
If your karta pobytu application is expected to be processed quickly and the inspector only needs a basic insurance policy, the optimal solution is the 6-month option. It fully meets the requirements of the Urząd Wojewódzki (voivodeship office) while helping you save on costs. For such cases, we recommend the €30,000 coverage package (no physical/manual work) for just 264 PLN.
6-Month Coverage Options (Budget-Friendly for Faster Applications)
| Coverage | Conditions | Price |
|---|---|---|
| €10,000 (deductible) | No physical/manual work | 119 PLN |
| €10,000 (deductible) | No physical work + Accident (NNW 10,000 PLN) | 148 PLN |
| €10,000 (deductible) | Includes physical work, no NNW | 261 PLN |
| €30,000 (deductible) | No physical/manual work (top student choice) | 264 PLN |
| €30,000 (deductible) | No physical work + Accident (NNW 10,000 PLN) | 293 PLN |
| €30,000 (deductible) | Includes physical work, no NNW | 579 PLN |
For clients who need maximum reliability and a long-term solution throughout their entire legalization period in Poland, ONE PLUS recommends purchasing the 1-year policy with €30,000 coverage (no physical/manual work) for just 529 PLN. This is a stable and proven option that voivodeship offices (Urzędy Wojewódzkie) accept without any additional questions or issues.
How to Get Your Policy in Just 5 Minutes
- Contact us via Telegram, Viber, WhatsApp, or email.
- Select your term and coverage type.
- Provide: Scan/photo of one passport page, your email, and Polish phone number.
- Pay securely (card, bank transfer, BLIK — direct to Wiener).
- Receive your digitally signed PDF policy by email — ready for Urząd submission.
Your data is fully protected under GDPR/RODO.
Documents Needed for Your Office Submission
- Wiener policy PDF (provided by us).
- Automatic payment confirmation.
- Any additional items if requested (we’ll advise you).
Don’t risk delays or rejection over insurance! Get the cheapest reliable Wiener policy through ONE PLUS — fast, in English, and trusted by thousands of foreigners in Poland.
Contact ONE PLUS Today
- Phone: +48 71 880 85 08
- Email: biuro@one-plus.pl
- Viber: @oneplus_lex
- Telegram: @onepluswro_bot
- WhatsApp: +48 537 272 400
Secure your coverage now and enjoy peace of mind while studying, working, or living in Poland. We’re here to help every step of the way!
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