Insurance Certificate – How Do I Download It Online?

After purchasing a policy for a foreign national, it’s a good idea to locate the insurance document right away, check the information entered, and keep a secure copy. Simply paying the premium is not enough to catch a typo in the last name, an incorrect coverage period, or a scope of coverage different from what was selected when the policy was purchased. Such errors often only become apparent when the document is urgently needed. How the document is delivered depends on the sales process: instructions may appear after purchase or be sent via a channel specified by the seller. However, you should not assume that the document is always in PDF format or that you can always download it from your customer account. Below, we explain where to find the confirmation, what to check in it, and what to do if the file is missing or contains incorrect information.

What is an insurance policy?

An insurance document confirms the conclusion of a specific contract. This function is specified in the 2026 General Terms and Conditions of the TUZ regarding insurance for medical expenses of foreign nationals. In practice, one may encounter terms such as „policy,” „policy confirmation,” and „insurance certificate.” The name is less important than whether the document pertains to the correct person and reflects the concluded contract.

Not every company prepares the document in exactly the same way. Therefore, don’t use a random list of fields as a one-size-fits-all template. Compare the document with the information provided when you signed your own contract, verify the insured person, the term, and the coverage, and clarify any discrepancies with the salesperson before passing the policy on.

The insurance policy and the General Terms and Conditions serve different purposes. The former identifies the contract and its specific terms. The General Terms and Conditions describe the rules governing the product. Keep both documents, but when someone asks for confirmation that a contract has been concluded, make sure you provide the document that directly pertains to your policy.

If you haven't made a purchase yet, check out the list Documents Required to Insure a Foreign National. Gathering the information in advance makes it easier to fill out the application correctly.

How to Find and Save a Document After an Online Purchase

An online purchase does not determine the document's format or where it will be made available. After completing the transaction, read the message on the page and write down the order number or other identifier, if provided. Before closing the page, check to see if there are any instructions regarding the documents.

Next, review the information you received during the sales process. If the seller specified email as the communication channel, be sure to check your spam folder and any folders that automatically sort your mail. If they provided a customer account address, type the known website address directly into your browser instead of using a random link. These are possible steps, but they don’t apply to every sale.

The file name alone does not confirm that it pertains to the correct contract. The name of the copy may include your last name and the insurance period, but do not include any unnecessary personal information in it.

What to Check Before Using the Document

Start by comparing your first and last names with the identification document used when signing the contract. Pay attention to the order of the components of the last name, diacritical marks, date of birth, and document number, if entered. Do not correct typos yourself in the editor. Report it to the seller and ask them to explain the proper correction procedure.

Also check who the policyholder is and who the insured person is. They are not always the same person. When a policy is purchased by an employer, a family member, or another payer, the parties’ information should reflect the actual terms of the contract.

The next point is the insurance period. Compensa’s General Terms and Conditions from 2026 state that this is specified in the contract. However, the dates themselves must be read in conjunction with the rules governing the start of coverage. Check the rules for the start and end of coverage in the terms of your own contract.

Also, compare the coverage and the sum insured with the options you selected at the time of purchase. In the 2026 TUZ General Terms and Conditions of Insurance, the information provided with a remote application includes, among other things, the period and scope of coverage, the parties’ details, the sum insured, and the purpose of the stay in Poland. However, this does not mean that every document has the same layout or is submitted in the same way.

For additional tips, see the guide on verifying the validity of a foreign national's insurance policy.

What to Do If a Document Is Missing or Contains an Error

First, make sure the purchase was completed and that the payment wasn't interrupted before confirmation. Keep a record of the order number, purchase date, and any available transaction details. Do not post them on social media or in public comments.

Contact the seller through the channel indicated on the purchase page. Provide the information needed to locate the contract, but do not send a scan of your ID until customer service explains whether it is needed and how to submit it securely. Clearly state whether you are requesting the document for the first time, asking for a copy to be resent, or requesting a correction to your information.

„Please help me obtain the insurance document for the contract entered into on… Order or policy number:… The document pertains to:….”.

If there is an error, indicate the incorrect field and the correct value as shown on the identification document. Do not assume in advance whether an addendum, a correction, or a new document will be needed. This should be determined by the contract administration team.

There is no basis for promising a free or immediate duplicate. If you need the document by a specific date, please mention this in your request and ask for confirmation of the possible deadline and how it will be handled.

How to Make a Backup

Once you receive the correct document, keep the original file as is, without making any changes. Store a copy in an encrypted folder or a trusted location protected by a strong password. Do not send the policy via shared messaging apps, and do not upload it to a publicly accessible drive.

Before submitting a document, check the current requirements of the specific recipient. Don’t assume that a printed copy of the policy is always sufficient or that the same list of attachments applies everywhere. If you need the correct language version, read the guide Insurance policy for a foreigner: in Polish or in English, and confirm the requirements directly with the recipient of the document.

Before finishing your review, write down the policy number, the date of issue, and the name of the specific product in a private note. This will make it easier for you to refer to a specific contract when contacting the seller, without having to send the entire document in your first message. If you receive a corrected version, save it separately and clearly mark which file is the current one. Delete old copies from shared locations so you don’t accidentally send a document with the previous error.

Frequently Asked Questions

If you have the information needed to enter into a contract, use the medical expense insurance form for foreign nationals. After purchasing the policy, keep the document you receive and review its contents immediately.