{"id":3472,"date":"2026-06-24T14:10:15","date_gmt":"2026-06-24T12:10:15","guid":{"rendered":"https:\/\/insurancevisa.pl\/nieskategoryzowane\/jak-zglosic-szkode-z-polisy-medycznej-w-polsce\/"},"modified":"2026-09-05T12:33:05","modified_gmt":"2026-09-05T10:33:05","slug":"how-to-file-a-claim-under-a-health-insurance-policy-in-poland","status":"publish","type":"post","link":"https:\/\/insurancevisa.pl\/en\/poradnik\/ubezpieczenie-zdrowotne-cudzoziemcow\/jak-zglosic-szkode-z-polisy-medycznej-w-polsce\/","title":{"rendered":"How to File a Claim Under a Health Insurance Policy in Poland"},"content":{"rendered":"<div class=\"wp-block-kadence-advancedtext\">\n<p><strong>Claim Report<\/strong> This is the formal procedure for notifying the insurer of medical expenses to be covered under a health insurance policy. If you\u2019re wondering how to file a claim under a health insurance policy in Poland, the most important thing is to act quickly, gather the necessary documents, and review the terms and conditions outlined in the General Terms and Conditions of Insurance. In practice, some policies operate on a cashless basis through an emergency call center, while others require you to pay out-of-pocket and then file a claim for reimbursement. In this article, we explain the process of filing a health insurance claim, what documents are required, and how to navigate the reimbursement process step by step.<\/p>\n<\/div>\n<nav class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\" aria-label=\"Table of contents\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">Table of contents<\/h4>\n<ol>\n<li><a href=\"#czym-jest-zgloszenie-szkody\">What is a medical insurance claim?<\/a><\/li>\n<li><a href=\"#jak-zglosic-szkode-krok-po-kroku\">How to file an insurance claim, step by step?<\/a><\/li>\n<li><a href=\"#jakie-dokumenty-przygotowac\">What documents should I prepare for an insurance claim?<\/a><\/li>\n<li><a href=\"#najczestsze-bledy-i-terminy\">What errors and deadlines are important?<\/a><\/li>\n<li><a href=\"#faq\">Frequently Asked Questions<\/a><\/li>\n<li><a href=\"#podsumowanie\">Summary<\/a><\/li>\n<\/ol>\n<\/div>\n<\/div>\n<\/nav>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"czym-jest-zgloszenie-szkody\" class=\"kt-adv-heading\">What is a medical insurance claim?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Filing a health insurance claim involves providing the insurer with information about an illness, an accident, or medical expenses incurred that are covered under the policy. For a foreigner in Poland, this may involve contacting the emergency call center before receiving treatment or submitting a claim for reimbursement after paying for a doctor\u2019s visit, tests, or medications.<\/p>\n<p>In many insurance policies for foreigners, coverage includes the costs of hospitalization, surgery, diagnostics, and outpatient procedures, provided they were medically necessary. The General Terms and Conditions also state that the insurer may pay the provider directly or reimburse the person who actually incurred the cost. Reimbursement is usually based on personalized bills, invoices, and proof of payment, up to the sum insured specified in the policy.<\/p>\n<p>That\u2019s why, before filing a claim, it\u2019s a good idea to check not only your policy number, but also the coverage limits, exclusions, and how to contact your insurer. It will also be helpful to familiarize yourself with the topic <a href=\"https:\/\/insurancevisa.pl\/en\/medical-costs-of-a-foreigner-klc\/\">the costs of treating a foreign national<\/a>, in order to better assess the scale of expenditures and the scope of the protection needed.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">\ud83d\udca1 Tip<\/h4>\n<p class=\"kt-blocks-info-box-text\">If the situation is urgent, first contact the emergency center listed in your policy. In many cases, this is the fastest way to arrange medical treatment without having to pay out of pocket.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"jak-zglosic-szkode-krok-po-kroku\" class=\"kt-adv-heading\">How to file an insurance claim, step by step?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>If you want to know how to file a claim under a medical insurance policy in Poland, start by determining the type of settlement. For cashless treatment, first call the emergency center, describe your symptoms, and provide your policy number. The insurer can then arrange a doctor\u2019s visit, tests, or hospitalization and pay for them directly.<\/p>\n<p>Under the reimbursement model, you first pay for the medical service and then file a claim. This is usually done via an online form, email, or a hotline. In practice, insurers ask for your policy number, the insured person\u2019s information, a description of the incident, medical records, and your bank account number. Once your claim is registered, you\u2019ll receive a confirmation and information on whether any additional documents are needed.<\/p>\n<h3>Step-by-Step Guide to Reimbursement of Medical Expenses<\/h3>\n<p>The procedure is usually similar across different insurers. First, gather your medical records. Next, fill out the claim form using the information from your policy. Then, attach your receipts, invoices, and proof of payment. Finally, keep track of the correspondence, as the insurer may ask you to provide additional documents or clarification.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<div class=\"wp-block-kadence-iconlist\">\n<ul class=\"kt-svg-icon-list\">\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Step 1:<\/strong> Check your policy number, coverage period, and scope of medical expenses.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Step 2:<\/strong> Contact the emergency center or the claims department.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Step 3:<\/strong> Describe the incident, the date, the location, and the course of treatment.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Step 4:<\/strong> Please include your medical records and receipts made out in your name.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Step 5:<\/strong> Please provide the account number for the refund and wait for a decision.<\/span><\/li>\n<\/ul>\n<\/div>\n<p>If you're just setting up your health insurance, you might find this guide helpful: <a href=\"https:\/\/insurancevisa.pl\/en\/handbook\/visas-to-poland\/insurance-to-work-visa-step-by-step\/\">insurance for a work visa<\/a>, because it explains how to read the policy terms and conditions before you buy it.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"jakie-dokumenty-przygotowac\" class=\"kt-adv-heading\">What documents should I prepare for an insurance claim?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Claim documents are crucial because the insurer uses them to assess the validity of the reimbursement. The most commonly required documents are: the policy number, the claim form, identification, medical records, prescriptions, test results, and personalized receipts or invoices. Proof of payment is equally important, as many General Terms and Conditions of Insurance explicitly state that reimbursement is based on original receipts and payment confirmations.<\/p>\n<p>It\u2019s important to ensure that the documentation is consistent. The description of the visit should match the diagnosis, the date of service, and the invoice issued. If the document is in a foreign language, the insurer may request a translation. Foreign nationals should also keep a copy of their passport or residence permit, as it confirms the identity of the person covered by the policy.<\/p>\n<h3>Most Commonly Required Attachments<\/h3>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<div class=\"wp-block-kadence-iconlist\">\n<ul class=\"kt-svg-icon-list\">\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Policy or policy number:<\/strong> identifies the contract and the scope of coverage.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Claim Form:<\/strong> It includes a description of the incident and contact information.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Medical records:<\/strong> patient record, diagnosis, recommendations, test results.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Bills and invoices:<\/strong> preferably personalized, with the name of the service and the date.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Payment Confirmation:<\/strong> receipt, bank transfer confirmation, or credit card payment confirmation.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Bank account number:<\/strong> required to process the refund.<\/span><\/li>\n<\/ul>\n<\/div>\n<p>You'll find more practical tips in this article <a href=\"https:\/\/insurancevisa.pl\/en\/handbook\/health-insurance-for-foreigners\/documents-to-insure-a-foreigner-list\/\">documents to insure a foreigner<\/a>, which helps you organize the necessary documents.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">\ud83d\udca1 Important<\/h4>\n<p class=\"kt-blocks-info-box-text\">Do not throw away the original receipts and doctor's notes. Even if you send scans, the insurer may later ask to see the original documents.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"najczestsze-bledy-i-terminy\" class=\"kt-adv-heading\">What errors and deadlines are important?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>The most common mistake is reporting a claim too late. Some insurers require you to contact the emergency center immediately, while others specify a specific deadline for submitting documents. It also happens that the General Terms and Conditions of Insurance stipulate additional obligations upon your return or after the completion of treatment. That is why you should always check the specific terms of your policy.<\/p>\n<p>Another common problem is the lack of complete documentation. An invoice alone, without a medical diagnosis, may not be sufficient. Similarly, medical documentation without proof of payment does not provide grounds for a reimbursement. The insurer may also refuse to pay if the cost is not covered under the policy, falls under an exclusion, or has already been covered by another public system.<\/p>\n<p>It\u2019s also worth remembering that not every policy works the same way. Some include a deductible, limits on outpatient treatment, or reimbursement only up to the insured amount. If you\u2019re in the process of choosing coverage, be sure to also read the guide on <a href=\"https:\/\/insurancevisa.pl\/en\/handbook\/visas-to-poland\/insurance-for-schengen-visa-2026-election\/\">Choosing Insurance for a Schengen Visa<\/a>, to avoid problems when settling the claim later.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"faq\" class=\"kt-adv-heading\">Frequently Asked Questions<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<h3>How do I file a claim under a health insurance policy in Poland if I saw a doctor privately?<\/h3>\n<p>If you paid for the visit out of pocket, you\u2019ll usually submit a claim for reimbursement to your insurer. You\u2019ll need a claim form, medical records, a personalized invoice, and proof of payment. It\u2019s also a good idea to check whether your policy covers outpatient treatment under these circumstances.<\/p>\n<h3>Do you always have to call the emergency dispatch center?<\/h3>\n<p>It\u2019s not always the case, but it\u2019s often recommended or required for more expensive medical treatment, hospitalization, or arranging assistance. Contacting the emergency call center increases your chances of having your expenses covered without having to pay out of pocket. If you\u2019re unsure, check the General Terms and Conditions and the contact information on your policy.<\/p>\n<h3>What are the most important documents for a claim?<\/h3>\n<p>The most important documents are the policy number, the claim form, medical records, and receipts and proof of payment. The insurer may also ask for prescriptions, test results, and a bank account number for reimbursement. For foreign nationals, an identity document or residence permit is also useful.<\/p>\n<h3>How long does it take to file a health insurance claim?<\/h3>\n<p>Submitting the claim itself can take a dozen or so minutes if you have all the necessary documents. The processing time depends on the nature of the claim and whether the insurer requires additional information. That\u2019s why it\u2019s best to submit the complete set of supporting documents right away.<\/p>\n<h3>Can I get a reimbursement for my medical expenses, step by step, deposited into my bank account?<\/h3>\n<p>Yes, under the reimbursement model, the refund is usually deposited into the account of the person who incurred the medical expenses. You must provide the correct account number and attach proof of payment. Some insurance policies provide for reimbursement in Polish zlotys, even if part of the expenses was incurred in a different currency.<\/p>\n<h3>What should you do if one document is missing?<\/h3>\n<p>It\u2019s best to file the claim on time anyway and send any missing documents later at the insurer\u2019s request. Many companies let you know what else they need after the claim has been filed. It\u2019s also good practice to keep copies of all files and messages you send.<\/p>\n<h3>Where can a foreigner go for help?<\/h3>\n<p>First, contact the insurer or the emergency center listed on your policy. Guides on <a href=\"https:\/\/insurancevisa.pl\/en\/handbook\/health-insurance-for-foreigners\/\">health insurance for foreigners<\/a> on insurancevisa.pl, which explains the formalities and scope of coverage in Poland.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"podsumowanie\" class=\"kt-adv-heading\">Summary<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>If you want to navigate the process smoothly, keep in mind that how to file a claim under a medical insurance policy in Poland depends mainly on the type of policy and how medical treatment is reimbursed. The most important things are to contact the insurer promptly, submit a complete set of claim documents, and keep track of deadlines. A well-prepared claim increases your chances of receiving a smooth, step-by-step reimbursement of medical expenses. If you need help choosing a policy or understanding the paperwork, check out the educational resources at insurancevisa.pl and compare coverage terms before you buy.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Filing a claim is a formal procedure for notifying the insurer of medical expenses to be covered by a health insurance policy. If\u2026<\/p>","protected":false},"author":2,"featured_media":3471,"comment_status":"closed","ping_status":"","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":[15],"tags":[18,21,19,24,17],"class_list":["post-3472","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ubezpieczenie-zdrowotne-cudzoziemcow","tag-dokument-ubezpieczenia","tag-koszty-leczenia-cudzoziemca","tag-polisa-dla-cudzoziemca","tag-ubezpieczenie-zdrowotne","tag-zaswiadczenie-o-ubezpieczeniu"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Jak zg\u0142osi\u0107 szkod\u0119 z polisy medycznej w Polsce - Insurance VISA<\/title>\n<meta name=\"description\" content=\"Jak zg\u0142osi\u0107 szkod\u0119 z polisy medycznej w Polsce? 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