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DeutschGo Safe · TU Europa · for visitors, students and workers
Health insurance for foreigners in Poland
Insurance for foreigners who come to Poland as tourists, students or workers, and for Poles who live permanently abroad. It covers you outside your country of permanent residence, including in Poland. Go Safe is on the list, published by the Polish Minister of Foreign Affairs, of insurance that meets the entry requirements, and the Standard plan and above meet the statutory minimum of EUR 30,000.
- Where it works
- Worldwide, including Poland, except your country of residence. If you live permanently outside your country of citizenship, you have two countries of residence: the country where you live and the country of your citizenship (General Terms § 2 pt 11). In the purchase form, you choose the area: Poland only (“Polska”) or Poland and the world (“Polska i Świat”). The Car Assistance module covers European countries only.
- For how long
- For the period stated in the contract. Cover ends early if you return to your country of residence before then (General Terms § 5 sec. 3).
- From when
- From the date stated in the contract, but not before you have crossed the border of your country of residence on leaving it and paid the premium (General Terms § 5 sec. 2).
Is Go Safe the right insurance for you?
Go Safe is for you if
- your country of permanent residence is not Poland, and you are travelling to Poland or staying there for a limited time;
- you are a Pole who lives permanently abroad and visits Poland.
Go Safe is not for you if
- Poland is your country of permanent residence. If you live in Poland and travel abroad, you need Travel World (it does not cover Poland or your country of citizenship).
If you live in Poland on a temporary residence permit and you are not sure whether Poland counts as your country of permanent residence, write to us before you buy: info@tripcover.pl. We have asked the insurer to clarify this point.
Visa, residence card and border entry
Article 25 of the Polish Act on Foreigners sets health insurance conditions for foreigners who enter Poland. The Minister of Foreign Affairs publishes a list of insurance that meets these conditions, and Go Safe is on it. The statutory minimum is EUR 30,000 of medical cover, which the Standard, Standard Plus and Optimum plans meet. The Mini plan (EUR 20,000) does not.
The authority handling your visa or residence card application has the final say on the requirements in your case, so check with it before you buy. We can provide information, but we cannot confirm that a particular office will accept a particular policy.
What Go Safe covers
Four plans with different sums insured. We do not publish premiums: the price depends on your dates and the number of people, and the purchase system shows the price of every plan before you pay.
Mini Medical costs: 20,000 EUR
Basic cover
- Medical costs, rescue, transport and travel assistance
- 20,000 EUR
- COVID-19 illness
- 20,000 EUR
- Permanent disability after an accident
- 1,000 EUR
- Death caused by an accident
- 600 EUR
Optional modules (extra premium)
- Baggage
- extra premium
- Third-party liability
- extra premium
- Comfort Pocket: phone, wallet, keys, documents
- extra premium
- Car Assistance: help if your car breaks down
- extra premium
- Sports equipment
- extra premium
- Consequences of chronic diseases
- extra premium
- High-risk, extreme and competitive sports
- extra premium
- Dangerous manual work
- extra premium
Standard Medical costs: 30,000 EUR
Basic cover
- Medical costs, rescue, transport and travel assistance
- 30,000 EUR
- COVID-19 illness
- 30,000 EUR
- Permanent disability after an accident
- 3,000 EUR
- Death caused by an accident
- 1,800 EUR
Optional modules (extra premium)
- Baggage
- extra premium
- Third-party liability
- extra premium
- Comfort Pocket: phone, wallet, keys, documents
- extra premium
- Car Assistance: help if your car breaks down
- extra premium
- Sports equipment
- extra premium
- Consequences of chronic diseases
- extra premium
- High-risk, extreme and competitive sports
- extra premium
- Dangerous manual work
- extra premium
Standard Plus Medical costs: 40,000 EUR
Basic cover
- Medical costs, rescue, transport and travel assistance
- 40,000 EUR
- COVID-19 illness
- 40,000 EUR
- Permanent disability after an accident
- 5,000 EUR
- Death caused by an accident
- 3,000 EUR
Optional modules (extra premium)
- Baggage
- extra premium
- Third-party liability
- extra premium
- Comfort Pocket: phone, wallet, keys, documents
- extra premium
- Car Assistance: help if your car breaks down
- extra premium
- Sports equipment
- extra premium
- Consequences of chronic diseases
- extra premium
- High-risk, extreme and competitive sports
- extra premium
- Dangerous manual work
- extra premium
Optimum Medical costs: 60,000 EUR
Basic cover
- Medical costs, rescue, transport and travel assistance
- 60,000 EUR
- COVID-19 illness
- 60,000 EUR
- Permanent disability after an accident
- 10,000 EUR
- Death caused by an accident
- 6,000 EUR
Optional modules (extra premium)
- Baggage
- extra premium
- Third-party liability
- extra premium
- Comfort Pocket: phone, wallet, keys, documents
- extra premium
- Car Assistance: help if your car breaks down
- extra premium
- Sports equipment
- extra premium
- Consequences of chronic diseases
- extra premium
- High-risk, extreme and competitive sports
- extra premium
- Dangerous manual work
- extra premium
Source: product information sheet (IPID) and General Terms of Go Safe (code OWU/02/99491/2015/M, resolution of the Management Board of TU Europa S.A. no. 10/12/15 of 8 December 2015, in force from 1 January 2016), and information from the Minister of Foreign Affairs on insurers and insurance meeting the conditions of Article 25 of the Act on Foreigners. · Data checked on .
Limits to be aware of
- Outpatient treatment in the USA, Canada, Japan and Australia: up to EUR 2,000.
- Rescue costs: up to EUR 5,000.
- Dental treatment: up to EUR 250.
- Transport of remains to the place of burial: up to EUR 2,500.
- Care for minor children: up to EUR 2,500 in the Standard Plus and Optimum plans.
What the insurance does not cover
The most important exclusions. The full list is in the General Terms, which are worth reading before you buy.
- Illnesses diagnosed, treated or monitored in the 24 months before you buy the policy, if they are connected with the event.
- Consequences of chronic diseases, unless you buy the extension.
- Events under the influence of alcohol or drugs, if this contributed to the event (General Terms § 7 sec. 1 pt 1).
- Events connected with alcoholism or mental disorders, including neurosis (General Terms § 7 sec. 1 pt 9).
- In the accident cover, heart attack, haemorrhage, stroke and sudden cardiac arrest do not count as an accident (General Terms § 23 sec. 2).
- Every baggage payout is reduced by EUR 30.
How to buy, in English
The purchase form is in Polish only. We have prepared a step-by-step guide to the form, field by field. If you are stuck, write to info@tripcover.pl in English before you pay, and we will help.
The insurance contract is concluded in Polish. The General Terms are available in English for information, but only the Polish version is binding.
Frequently asked questions
Who can buy Go Safe?
A person whose country of permanent residence is not Poland, for example a visitor, a student or a worker who comes to Poland, or a Pole who lives permanently abroad (General Terms § 2 pts 11 and 32). The policy covers you outside your country of residence, including in Poland.
Poland is my country of permanent residence. Can I buy Go Safe?
No. Go Safe is only for people whose country of permanent residence is not Poland (General Terms § 2 pt 32). If you live in Poland and travel abroad, you need Travel World, described on our page about travel insurance for expats living in Poland.
Does the policy cover illnesses I already have?
Not by default. Illnesses diagnosed, treated or monitored in the 24 months before the contract are excluded if they are connected with the event, and chronic diseases are covered only with an extension for an extra premium.
Is there an English version of the purchase form?
No. The purchase system is in Polish only. We have written a step-by-step English guide to the form, and you can also write to us in English before you buy.
In which language is the contract concluded?
In Polish. The General Terms are available in English for information, but only the Polish version is binding.
Documents to download
The product information sheet (IPID) is available in Polish only. The General Terms are available in Polish and in an English translation.
Get a quote for your stay in Poland
Enter your dates and the number of people, and you will see the price for all plans straight away.
You will be taken to the sales system of the insurance agent Sindbad IT sp. z o.o., entry number in the register of insurance agents (RAU) 11239999/A. The purchase form is in Polish. Information on this page is not an offer within the meaning of Article 66 of the Polish Civil Code.