Insurance for Expats
Comprehensive insurance for foreigners working and living in Poland. Health, third-party liability, household, and travel, explained in English by an advisor who knows both Polish regulations and your needs.
- Health insurance with English-speaking medical network
- Household insurance for rented or owned property
- Travel and third-party liability inside the EU and worldwide
- Polish regulations explained in English, your dedicated advisor speaks both
Treść merytoryczną zweryfikował Janusz Stefańczyk, doradca ubezpieczeniowy (OWCA, RAU 11782189/P), działający w imieniu CUK Ubezpieczenia. Aktualizacja: czerwiec 2026.
What is expat insurance?
Insurance for expats is a set of policies tailored to foreigners living and working in Poland, explained and arranged entirely in English. It typically combines private health insurance with access to an English-speaking medical network, household cover for a rented or owned home, and travel and third-party liability protection valid across the EU and worldwide.
How much does it cost?
There is no single price for expat insurance, because it is built from the products you actually choose. The main factors that shape the premium are: which covers you combine (health, household, travel, liability) and how broad each scope is; your age; the number of people insured (individual versus family); and product-specific details such as the property value or sum insured for household cover, or the duration and geographic range for travel. Because cover can be sourced from over 40 insurers — accessed through licensed OWCA advisors acting for the multi-agency CUK Ubezpieczenia — the same needs can be priced very differently depending on the underwriter. The most reliable way to understand what your specific situation involves is a free, no-obligation advisory consultation, during which available offers are compared in English and matched to your circumstances.
Who is it for?
For foreigners who live, work, or study in Poland and want their insurance explained clearly in their own language rather than navigating Polish-only paperwork. It suits new arrivals settling into a rented or owned home, professionals who want private healthcare without a language barrier, and families who need health, household, travel, and liability cover in one coordinated set.
Najczęstsze pytania
- Do I need private health insurance if I have a PESEL number?
- A PESEL or residency card gives access to NFZ public healthcare, but waiting times for specialists can be weeks or months. Private health insurance gives you same-week access to doctors, labs and specialists.
- Can I get insurance advice in English?
- Yes. Insignis Polska provides full English-language service for all products. Your dedicated advisor also speaks Ukrainian and Russian and will explain Polish insurance terms in your language.
- Is car insurance (OC) mandatory in Poland?
- Yes. Every registered vehicle must have third-party liability insurance (OC). Driving without it results in a fine from UFG and personal liability for any accident costs.
- Can foreigners buy life or household insurance in Poland?
- Yes. A PESEL number or residency permit is sufficient for most products. Some insurers may require a Polish bank account for premium payments, your advisor will guide you through available options.
- Do I need to speak Polish to make a claim?
- No. Your advisor at Insignis Polska will guide you through the claims process in English and explain each step. You submit the claim and correspondence to the insurer yourself; for disputes that require court proceedings we refer you to a partner law firm.
Wycena indywidualna
Ten produkt prowadzi Janusz.
Ten produkt wymaga indywidualnej rozmowy, każda sytuacja klienta jest inna i nie ma jednego formularza, który by ją oddał. Zostaw kontakt, oddzwonimy w 15 minut.
Twój agent
Janusz Stefańczyk
Doradca ubezpieczeniowy (OWCA), specjalistyczne i grupowe
Telefon
517 500 920