Health Insurance for TRC

ONE PLUS is an official partner of Colonnade. We arrange medical insurance for foreign nationals who need a policy for a Polish residence permit, a national visa or their studies. We help you choose suitable cover, check the requirements provided by the immigration office, consulate or educational institution, and explain which insurance documents to submit.

Six months of insurance costs PLN 235, while a twelve-month policy costs PLN 417. These are two popular options with EUR 30,000 of cover and no cover for manual work. International students can access separate rates: PLN 200 for six months or PLN 355 for a year with the same medical cover limit, excluding personal accident insurance, known in Poland as NNW.

Many of our clients are students, people applying to join family in Poland, or foreign residents who are not yet working and do not have health insurance registered through ZUS. We also arrange policies for universities and post-secondary schools that ask for proof of medical cover at enrolment or during a course.

When You Need Insurance for a Residence Permit

For a study-based residence permit and many family reunification applications, you need to show that you have health insurance or that an insurer will cover the cost of treatment in Poland. A suitable private policy can provide that evidence when you do not have the appropriate public health insurance.

The requirements depend on the grounds for your application. That is why we first ask what type of residence permit you are applying for. You may know the process as applying for a karta pobytu, the Polish term for a residence card. The insurance needs to support the particular application, rather than simply carry a general description such as “residence permit insurance”.

You do not necessarily need to buy additional insurance. If you already have valid health insurance through your employer or an agreement with NFZ, Poland’s National Health Fund, the supporting documents may meet the requirement for your case. Send us what you already have so that we can check it before discussing another policy.

You can contact ONE PLUS before submitting your application or while it is being considered. If the immigration office has written to ask for insurance documents, send us the letter before making a purchase. The issue may be a missing document rather than a need for a different insurance policy.

In Polish paperwork, ZUS refers to the Social Insurance Institution and NFZ to the National Health Fund. These names relate to the public system, not to the private Colonnade policy you purchase.

We look at the purpose of the policy, your details, its dates, the area covered and any conditions relevant to your work. Checking those points together is more useful than choosing insurance by price alone or assuming that every policy marketed to foreign residents serves the same purpose.

Insurance for Students

You may need to show proof of insurance both to your university and as part of your student residence permit application. We consider both sets of requirements when helping you choose a policy. Where one policy meets both, there is no reason to buy separate insurance simply because the documents are going to two different places.

This also applies to enquiries from students at a szkoła policealna, a Polish post-secondary school. Tell us which institution you attend and what document it has requested. We can then check the insurance requirement rather than assume that every school uses the same criteria.

Being enrolled does not automatically mean you have been registered for public health insurance. Whether a university can arrange insurance depends on your status and the completion of the necessary formalities. Check that the cover is actually in place, not simply that you may be entitled to arrange it.

We offer separate student rates for six and twelve months. Before issuing a policy, we explain what evidence of student status is needed and check whether the rate applies to you. Eligibility for someone attending a post-secondary school is checked against the insurer’s conditions rather than assumed.

Tell us if you do manual work alongside your studies or take part in a work placement. A student rate, cover for manual work and personal accident insurance are different features. If your institution asks for NNW or particular cover for a placement, we need to check those requirements separately from the medical insurance.

Insurance for Family Reunification

When preparing a family reunification residence permit application, it is important to check the applicant’s own health insurance. Your spouse or parent may be employed and insured in Poland, but that does not automatically mean you are included in their cover.

A working spouse or parent may be able to register eligible family members for public health insurance, provided the applicable conditions are met. The registration still needs to be completed. Before paying for a private policy, check whether this route is available and whether the necessary paperwork has already been submitted.

If it is not available and you do not have other suitable insurance, ONE PLUS can help you choose a private policy. We ask who is applying, the grounds for their stay and whether an existing policy is still valid. This allows us to work from the applicant’s actual position rather than a general assumption about family applications.

For a family moving together, it makes sense to check each person separately. Some may be able to use public insurance while others need a private arrangement. The aim is to establish who needs what before paying for policies, not to assume that everyone must buy the same product.

Which Cover to Choose

For a residence permit application, ONE PLUS recommends considering EUR 30,000 of medical cover. We also check the policy dates, the territory covered, the nature of your work and the terms for paying medical expenses. Someone who is not working and someone doing manual work may need different options.

For a Polish national visa, private medical insurance must have a minimum cover limit of EUR 30,000. It must cover the whole intended stay and meet the required terms, including emergency medical assistance, emergency hospital treatment and return travel for medical reasons.

The EUR 10,000 options in our price tables do not meet the minimum insurance amount for a national visa. They should not be selected for that purpose simply because they are cheaper. We establish what the policy is for before comparing prices.

Residence permit applications are assessed under the requirements for the relevant grounds of stay. Our recommendation to consider EUR 30,000 should not be read as saying that this is a universal statutory minimum for every residence permit. The full terms matter, not just the amount printed on the policy.

If you need insurance for a visa, tell us at the outset and provide your intended travel dates. We can then check the required period and other policy details before payment, rather than after the documents have been sent to the consulate.

Where the same policy is intended for a visa and an educational institution, send us the institution’s instructions as well. We will consider both purposes when checking the proposed cover. A policy should be chosen for the tasks it needs to fulfil, rather than changed later because one requirement was overlooked.

6 or 12 Month Insurance

If you do not know when your residence permit decision will be issued, we recommend considering a twelve-month policy. It provides a longer period of cover and reduces the chance of needing another policy and updated paperwork while the application is still being processed.

A six-month policy may be worth considering if your case is close to completion and there are reasons to expect a decision in the coming weeks or months. However, an expected date can change. When comparing the initial price, bear in mind that you may need to pay for a further period of insurance.

If the policy expires before the decision and you have no other suitable health insurance, you will need to arrange further cover and submit updated evidence. A private policy used to meet the insurance requirement must remain valid on the date the decision is made.

A twelve-month policy is not open-ended either. If the application continues beyond a year, you need to plan the next period before the existing policy ends. Waiting for a residence card does not change the dates in an insurance contract.

Six and twelve months are the periods offered in the price tables, not a single legal minimum that applies to every residence procedure. When choosing, consider both the progress of your application and whether another form of insurance will be available afterwards.

A shorter policy may be enough for the period you actually need, but it should not be chosen solely on the assumption that the immigration office will finish by a particular date. It is better to understand the next step in advance than to discover that the policy in your file has already expired.

Colonnade Insurance Prices

The price depends on the policy length, the medical cover limit, manual work and any additional benefits. The three tables below keep the options separate: twelve-month cover, six-month cover and special student rates.

All prices are in Polish zloty, shown as PLN, and are the total premium for the stated period. They are not monthly payments. When comparing options, check that the cover limit and additional benefits are the same.

12 Month Insurance

For applicants who do not undertake manual work, we recommend considering the twelve-month policy with EUR 30,000 of cover for PLN 417. At the prices shown, this is PLN 53 less than buying two six-month policies at PLN 235 each with the same terms.

That comparison applies to the matching non-manual-work option. If you need manual work cover or additional NNW and OC benefits, compare the relevant rows instead. The lowest price is not a substitute for choosing cover that reflects what you do.

6 Month Insurance

Student Insurance

We confirm the price of your chosen policy and any extensions before payment. A student rate should not be selected without checking eligibility. Likewise, someone who does manual work should not choose a policy that excludes it simply to reduce the premium.

What Colonnade Insurance Covers

The policy provides cover for medical expenses arising from events included in the contract. Depending on its terms, this can include hospital treatment, outpatient care, necessary medication, medical transport and help arranged through an assistance service.

This is not a private clinic subscription giving you unlimited appointments. Individual services may be subject to separate limits, and exclusions apply. You should read the relevant OWU, the Polish abbreviation for the general insurance terms and conditions, as well as checking the overall medical cover limit.

The abbreviations in the tables describe additional benefits. NNW is personal accident insurance. OC is personal liability insurance for private life. They supplement medical cover rather than replace it, and they do not automatically provide professional liability insurance.

Tell us before buying if you do manual work, need cover relating to flare-ups of pre-existing chronic conditions or plan to travel outside Poland. The insurer offers separate extensions for these circumstances, so they need to be discussed when the policy is selected.

It helps to keep two questions separate: which document is needed for your application, and which medical expenses the insurance will cover. Understanding both avoids treating a EUR 30,000 headline limit as a promise to pay every type of bill.

If a particular type of treatment or activity matters to you, raise it before payment so that it can be checked against the contract. The policy name on its own does not explain every benefit, limitation or extension.

Insurance with ONE PLUS

ONE PLUS provides immigration and residence support in Wroclaw and works with clients across Poland. The company has been operating since 2018. Because we also handle residence documents, we consider what the insurance is needed for and where the applicant is in the process.

You do not have to work out the differences between a visa insurance request and the documents needed by a Polish immigration office on your own. Describe your circumstances and show us the paperwork you already have. We will explain the proposed option, its cost and what is needed to arrange it.

Insurance is available as a standalone service. You do not have to transfer your entire residence application to ONE PLUS in order to buy a policy. If you also need help with an application, employer documents or a response to an official letter, you can separately agree support with your Polish residence permit.

We take responsibility for preparing the chosen policy correctly: checking personal details and agreeing the dates, medical cover limit and additional benefits. Decisions about payment of specific medical expenses are made by Colonnade under the insurance contract.

Our role is to help you select and arrange the cover, not to make decisions on behalf of the insurer or the immigration office. You receive the proposed terms before payment and a policy prepared using the details agreed with you.

Whether you contact us online or visit the Wroclaw office, the starting point is the same: what do you need the policy for, what insurance do you already have and which dates must the new cover address?

How to Get Insured

Contact ONE PLUS through Telegram, WhatsApp, Viber or email. Tell us whether the insurance is for a residence permit, a visa or an educational institution. Include your preferred start date, how long you need the policy for, and whether you are a student or do manual work.

We will need your passport details, email address and telephone number. A member of the team will explain the information required and how to provide it. Send any letter from the immigration office or instructions from your institution before selecting an option, so that we can take them into account.

Once the terms and price have been agreed, you can make the payment, including by BLIK. The finished policy is sent by email as a PDF. We usually complete the process on the same working day after receiving all the necessary details and payment.

Keep the policy, payment confirmation and general terms and conditions together. Before submitting documents, check your name, passport details and policy dates again. If you have an approaching submission date or a deadline for replying to the office, mention it when you first contact us.

Receiving a PDF quickly and having cover start immediately are not the same thing. We check the agreed start date as part of arranging the policy, particularly where you need it for an imminent trip or an urgent application.

A letter asking you to supply documents is often referred to in Polish as a wezwanie. Sending the complete letter helps us understand what has actually been requested. It is more useful than purchasing a policy first and trying to establish afterwards whether it answers the request.

Get Insurance Online

Need insurance for a Polish residence permit, visa or studies? Contact ONE PLUS. We will help you choose a suitable Colonnade policy, confirm the price and prepare the insurance documents.

When you contact us, let us know what you need the insurance for, when the cover should start and whether you have student status. If you already have a policy or have received a request from the immigration office, attach it to your message.