{"id":3415,"date":"2026-11-02T10:11:15","date_gmt":"2026-11-02T09:11:15","guid":{"rendered":"https:\/\/medicalinsurance.pl\/?p=3415"},"modified":"2026-11-02T10:11:15","modified_gmt":"2026-11-02T09:11:15","slug":"how-much-does-schengen-visa-insurance-cost","status":"publish","type":"post","link":"https:\/\/medicalinsurance.pl\/en\/poradnik\/ubezpieczenie-zdrowotne-do-wizy\/ile-kosztuje-ubezpieczenie-do-wizy-schengen\/","title":{"rendered":"How much does Schengen visa insurance cost?"},"content":{"rendered":"

The cost of insurance for a Schengen visa is not a flat rate for all applicants. The calculated amount depends on the applicant\u2019s specific details, the selected coverage period, and the territory covered. Therefore, to answer the question \u201eHow much does the policy cost?\u201d requires comparing quotes tailored to the same profile. Actual premium<\/strong> It appears only after the data has been entered into the calculator.<\/p>\n\n\n\n

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<\/strong>. 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.<\/p>\n\n\n\n

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Table of contents<\/p>\n\n\n\n

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  1. Comparison of KLC Policy Prices for 12 Months<\/a><\/li>\n\n\n\n
  2. What requirements must Schengen visa insurance meet?<\/a><\/li>\n\n\n\n
  3. How to Compare Premiums Accurately<\/a><\/li>\n\n\n\n
  4. Insurance for a Multiple-Entry Visa<\/a><\/li>\n\n\n\n
  5. Frequently Asked Questions<\/a><\/li>\n\n\n\n
  6. How to Calculate Your Premium and Purchase a Policy<\/a><\/li>\n<\/ol>\n\n<\/div><\/div>\n\n\n\n

    Comparison of KLC Policy Prices for 12 Months<\/h2>\n\n\n\n

    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\u2014separately for Poland and for Poland and the Schengen Area. In each profile Polisarium was the cheapest<\/strong>. The cards listing all the offers will appear directly below this paragraph.<\/p>\n\n\n\n

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    Profile 1: One person, age 30, coverage for 12 months in Poland, medical expenses of 30,000 EUR, without coverage for manual labor<\/p>\n\n\n\n

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    Lowest price<\/p>\n\n\n\n

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    Polisarium<\/p>\n\n\n\n

    Europ Assistance policy<\/p>\n<\/div>\n\n\n\n

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    481 PLN<\/p>\n\n\n\n

    in 12 months<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n

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    \n
    \n

    iExpert<\/p>\n\n\n\n

    Colonnade policy<\/p>\n<\/div>\n\n\n\n

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    556 PLN<\/p>\n\n\n\n

    in 12 months<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n

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    \n
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    Wiener<\/p>\n\n\n\n

    Wiener policy<\/p>\n<\/div>\n\n\n\n

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    691 PLN<\/p>\n\n\n\n

    in 12 months<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n

    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<\/p>\n\n\n\n

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    Lowest price<\/p>\n\n\n\n

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    Polisarium<\/p>\n\n\n\n

    Europ Assistance policy<\/p>\n<\/div>\n\n\n\n

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    609 PLN<\/p>\n\n\n\n

    in 12 months<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n

    \n
    \n
    \n

    iExpert<\/p>\n\n\n\n

    Colonnade policy<\/p>\n<\/div>\n\n\n\n

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    612 PLN<\/p>\n\n\n\n

    in 12 months<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n

    Prices from retailers' online calculators, as of October 23, 2026. The premium depends on age, term, and coverage.<\/p>\n<\/div><\/div>\n\n\n\n\n\n

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    Important:<\/strong><\/p>\n\n\n\n

    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.<\/p>\n\n<\/div><\/div>\n\n\n\n

    What requirements must Schengen visa insurance meet?<\/h2>\n\n\n\n

    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<\/strong> and include the entire planned stay or transit<\/strong>. The minimum insurance coverage amount is 30,000 EUR<\/strong>.<\/p>\n\n\n\n

    This amount is neither a price nor a premium. It represents minimum level of protection<\/strong> required by visa regulations, so it should not be compared to the calculator\u2019s result in PLN. More information about this distinction is explained in the guide on minimum insurance coverage required for a Schengen visa<\/a>.<\/p>\n\n\n\n

    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<\/strong>, emergency hospital treatment<\/strong>, death, or necessity return for medical reasons<\/strong>. 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.<\/p>\n\n\n\n

    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\u2019s coverage area and its validity dates.<\/p>\n\n\n\n

    After purchasing the policy, it\u2019s 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.<\/p>\n\n\n\n

    How to Compare Premiums Accurately<\/h2>\n\n\n\n

    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<\/strong>.<\/p>\n\n\n\n

    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<\/strong>, start and end dates<\/strong> and insurance amount<\/strong>. If the forms ask about the same matter, the answer should also remain the same.<\/p>\n\n\n\n

    The pre-comparison practical check consists of four steps:<\/p>\n\n\n