The cost of insurance for a Schengen visa is not a flat rate for all applicants. The calculated amount depends on the applicant’s specific details, the selected coverage period, and the territory covered. Therefore, to answer the question „How much does the policy cost?” requires comparing quotes tailored to the same profile. Actual premium It appears only after the data has been entered into the calculator.
Price remains an important factor, but it should not overshadow the requirements for the visa application. First, you must specify the applicable territory, dates, and amount of coverage, and only then compare the results obtained for the same data. This approach makes it possible to separate the price of the policy from the coverage details and avoid comparing offers that actually apply to different situations.
Comparison of KLC Policy Prices for 12 Months
Prices are taken from the sellers' online calculators as of October 23, 2026. The following profiles for a single 30-year-old individual were compared: 12-month coverage, medical expense coverage of 30,000 EUR, and no extension to cover manual labor—separately for Poland and for Poland and the Schengen Area. In each profile Polisarium was the cheapest. The cards listing all the offers will appear directly below this paragraph.
Profile 1: One person, age 30, coverage for 12 months in Poland, medical expenses of 30,000 EUR, without coverage for manual labor
Lowest price
Polisarium
Europ Assistance policy
481 PLN
in 12 months
iExpert
Colonnade policy
556 PLN
in 12 months
Wiener
Wiener policy
691 PLN
in 12 months
Profile 2: One person, age 30, coverage for 12 months in Poland and the Schengen Area, medical expenses of 30,000 EUR, without coverage for manual labor
Lowest price
Polisarium
Europ Assistance policy
609 PLN
in 12 months
iExpert
Colonnade policy
612 PLN
in 12 months
Prices from retailers' online calculators, as of October 23, 2026. The premium depends on age, term, and coverage.
Important:
Prices depend on age, the policy term, and the scope of coverage, and policies may have different limits and exclusions. A quote from a specific date does not guarantee the same result if the information changes or at a different time. Therefore, before purchasing, you should review the terms of the selected policy rather than basing your decision solely on the premium.
What requirements must Schengen visa insurance meet?
The requirements for travel medical insurance to be submitted with an application for a uniform visa are set forth in Article 15 of the Community Visa Code. The insurance must be valid for the entire territory of the Member States and include the entire planned stay or transit. The minimum insurance coverage amount is 30,000 EUR.
This amount is neither a price nor a premium. It represents minimum level of protection required by visa regulations, so it should not be compared to the calculator’s result in PLN. More information about this distinction is explained in the guide on minimum insurance coverage required for a Schengen visa.
For a uniform visa entitling the holder to one or two entries, the insurance must cover expenses that may arise in connection with emergency medical care, emergency hospital treatment, death, or necessity return for medical reasons. These are the requirements for the document submitted with the application. However, this does not mean that every quote generated by the calculator has the same limits, exclusions, or rules for providing benefits.
The territory specified in the document should correspond to the planned stay. Coverage limited to Poland is not the same as coverage that includes Poland and the Schengen Area. If the policy is to be used for a Schengen visa application, it is not enough to consider only the duration of coverage. You must also check the document’s coverage area and its validity dates.
After purchasing the policy, it’s a good idea to immediately compare the information on the policy with the information used in the visa application. The first name, last name, dates, and territory should match the configuration you provided. This check does not alter the scope of the contract, but it allows you to quickly identify any discrepancies between the selected profile and the document you received.
How to Compare Premiums Accurately
A comparison makes sense only if each calculator is given the same set of information. The result for coverage in Poland should not be compared with the result for Poland and the Schengen Area. Similarly, a different time period or a different coverage amount will yield a different profile. The safest approach is to analyze one configuration at a time.
Before you begin the calculation, write down the data entered in the first form, and then transfer it exactly as is to the next one. Pay special attention to conservation area, start and end dates and insurance amount. If the forms ask about the same matter, the answer should also remain the same.
The pre-comparison practical check consists of four steps:
Only after such a comparison can one determine which premium is lower for a given profile. However, you still need to read the information about limits and exclusions. The same set of input data allows for a more accurate price comparison, but it does not in itself prove that the terms of the individual contracts are identical.
You'll find helpful details in the guide on this topic, What to Look for in the Cost of Visa Insurance. If you're still figuring out what kind of protection you need, you can also start with the page dedicated to online health insurance, and then go to the calculator for the costs of medical treatment for a foreign national.
Insurance for a Multiple-Entry Visa
For a uniform visa entitling the holder to at least three entries, proof of adequate and valid travel medical insurance must include the first scheduled visit. The applicant also confirms that he or she is aware of the requirement to have such insurance during subsequent stays.
This does not mean that simply choosing 12 months of coverage automatically resolves all travel-related issues. You need to check the dates, the coverage area, and Consistency of the document with the itinerary. If multiple entries are permitted, the requirement to have travel medical insurance does not end after the first visit.
A practical starting point is to outline the details of your first planned trip: the start and end dates, and the countries you’ll be visiting. Based on this, you can select the appropriate profile for the calculation and review the document, ensuring it is not mixed up with another territorial option. The policy duration is just one aspect of this review.
Frequently Asked Questions
Is 30,000 EUR the cost of insurance for a Schengen visa?
No. This is the minimum insurance coverage specified in the Community Visa Code. The cost of the policy—that is, the premium—is determined by a calculation based on the specific individual’s details and the selected coverage profile.
Does a 12-month policy always cost the same?
No. The reading for a specific day shows result for a specific profile, rather than a fixed rate for all applicants. A change in age, duration, or scope of coverage may result in a different calculation.
Is protection limited to Poland sufficient for a Schengen visa?
The insurance provided with an application for a uniform visa must be valid throughout the territory of the Member States. A policy limited exclusively to Poland is therefore not equivalent to one covering the Schengen Area.
What should Schengen visa insurance cover?
The Community Visa Code specifies expenses related to return travel due to medical reasons, urgent medical care, emergency hospitalization, or death. Be sure to review the terms of the specific contract before purchasing.
How do you compare the results from different calculators?
You must use the same personal information, dates, coverage area, and insurance amount in each calculator. Do not compare results for different time periods or different coverage scopes.
What should I do if I have a multiple-entry visa?
Proof of insurance should cover the first scheduled visit. The applicant also confirms that he or she is aware of the requirement to have travel medical insurance for subsequent stays.
How to Calculate Your Premium and Purchase a Policy
Before opening the form, have the insured person's age, the start and end dates of coverage, the required coverage area, and the coverage amount ready. Enter the information carefully and review the summary before proceeding to checkout. Current result from the calculator will provide a better basis for decision-making than a reading performed earlier for another person or another profile.
This form pertains to health insurance for foreigners and allows you to calculate the premium based on your own information and purchase a policy online. After making the purchase, you must verify that the insured person’s information, the dates provided, and the territory specified in the document are correct.
