{"id":3111,"date":"2026-02-05T14:04:30","date_gmt":"2026-02-05T13:04:30","guid":{"rendered":"https:\/\/medicalinsurance.pl\/nieskategoryzowane\/koszty-leczenia-cudzoziemcow-w-polsce-ubezpieczenie\/"},"modified":"2026-09-06T15:06:23","modified_gmt":"2026-09-06T13:06:23","slug":"polonya-si%cc%87gortasinda-yabancilarin-tibbi%cc%87-tedavi%cc%87-masraflari","status":"publish","type":"post","link":"https:\/\/medicalinsurance.pl\/tr\/poradnik\/koszty-leczenia-cudzoziemca\/koszty-leczenia-cudzoziemcow-w-polsce-ubezpieczenie\/","title":{"rendered":"Polonya'daki yabanc\u0131lar\u0131n sa\u011fl\u0131k masraflar\u0131: sigorta"},"content":{"rendered":"<div class=\"wp-block-kadence-rowlayout\">\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">Polonya'da yabanc\u0131lar\u0131n tedavi masraflar\u0131<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Tramvayda bir kaza, ani bir apandisit ya da basit bir enfeksiyon bile sizi en olmad\u0131k anda gafil avlayabilir. Bir yabanc\u0131 i\u00e7in kilit soru sadece doktora nereye gidece\u011fi de\u011fil, ayn\u0131 zamanda faturay\u0131 kimin \u00f6deyece\u011fidir. Pratikte <strong>yabanc\u0131lar\u0131n tedavi masraflar\u0131<\/strong> Polonya'da \u00f6zellikle te\u015fhis, hastaneye yat\u0131\u015f veya ameliyat gerekti\u011finde hissedilebilir.<\/p>\n<p>Bu nedenle, bir sorun ortaya \u00e7\u0131kmadan \u00f6nce, tedavi i\u00e7in finansman yollar\u0131n\u0131 anlamak ve <strong>hangi sigortay\u0131 se\u00e7meli<\/strong> kalmak i\u00e7in <strong>Polonya<\/strong>. Bu k\u0131lavuzda, Ulusal Sa\u011fl\u0131k Hizmetine eri\u015fimin ne zaman yeterli oldu\u011funu, \u00f6zel bir poli\u00e7enin ne zaman daha iyi oldu\u011funu ve yetkili makam\u0131n gerekliliklerini (vize, ikamet kart\u0131) kar\u015f\u0131layan bir sigortaya ne zaman ihtiya\u00e7 duydu\u011funuzu g\u00f6steriyoruz.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">T\u0131bbi faturalar nereden geliyor?<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Polonya'da kamu tesislerindeki tedavi esas olarak Ulusal Sa\u011fl\u0131k Fonu taraf\u0131ndan finanse edilmektedir, ancak her yabanc\u0131 otomatik olarak ayn\u0131 \u015fartlarda hizmet alma hakk\u0131na sahip de\u011fildir. Hak sahipli\u011fi eksik oldu\u011funda veya teyit edilemedi\u011finde, tesis sa\u011flanan hizmetler i\u00e7in fatura kesebilir. \u00d6zel tedavi durumunda, hasta kural olarak kendi \u00f6demesini yapar ve ancak o zaman poli\u00e7eden geri \u00f6deme talep edebilir.<\/p>\n<p>Hastaneye yat\u0131\u015f, ameliyat veya t\u0131bbi nakil ihtiyac\u0131 ortaya \u00e7\u0131kt\u0131\u011f\u0131nda maliyetler en h\u0131zl\u0131 \u015fekilde y\u00fckselir. Yabanc\u0131lara y\u00f6nelik bir\u00e7ok poli\u00e7enin genel h\u00fck\u00fcm ve ko\u015fullar\u0131nda a\u015fa\u011f\u0131dakilerin kar\u015f\u0131lanmas\u0131 standartt\u0131r <strong>hastane tedavi ve operasyon maliyetleri<\/strong>, T\u0131bbi olarak gerekli olmalar\u0131 ve tedavi organizasyonunun sigortac\u0131n\u0131n acil durum merkezi taraf\u0131ndan ger\u00e7ekle\u015ftirilmesi halinde. Uygulamada, en b\u00fcy\u00fck mali riski olu\u015fturan \u201ehastane + te\u015fhis\u201d prosed\u00fcrleridir.<\/p>\n<\/p><\/div>\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>Ayakta tedavi ve te\u015fhis:<\/strong> kons\u00fcltasyonlar, laboratuvar testleri, ultrason\/RTG\/CT, k\u00fc\u00e7\u00fck prosed\u00fcrler.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Acil servis ve hastaneye yat\u0131\u015f:<\/strong> 24 saat bak\u0131m, hastane prosed\u00fcrleri, ila\u00e7lar ve t\u0131bbi malzemeler.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Operasyon:<\/strong> Ameliyat ekibi, ameliyathane, anestezi, ameliyat sonras\u0131 kal\u0131\u015f s\u00fcresi.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>T\u0131bbi nakil:<\/strong> tesislere ve tesisler aras\u0131nda ve bazen de kal\u0131nan yere geri ula\u015f\u0131m.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>\u0130la\u00e7lar:<\/strong> re\u00e7eteler ve farmakoterapi, genellikle ayr\u0131 olarak veya bir limite kadar faturaland\u0131r\u0131l\u0131r.<\/span><\/li>\n<\/ul><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Konunun pratik a\u00e7\u0131dan nas\u0131l g\u00f6r\u00fcnd\u00fc\u011f\u00fcn\u00fc g\u00f6rmek istiyorsan\u0131z, web sitesi de yard\u0131mc\u0131 olacakt\u0131r: <a href=\"https:\/\/medicalinsurance.pl\/tr\/bi%cc%87r-yabancinin-saglik-masraflari-kktc\/\">bir yabanc\u0131n\u0131n t\u0131bbi tedavi masraflar\u0131<\/a>.<\/p>\n<\/p><\/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 \u0130pucu<\/h4>\n<p class=\"kt-blocks-info-box-text\">Bir poli\u00e7eniz varsa, t\u00fcm belgeleri saklay\u0131n: sigorta kart\u0131\/sertifikas\u0131, faturalar, test sonu\u00e7lar\u0131 ve hastane taburcu belgesi. Bunlar olmadan geri \u00f6deme zor olabilir.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">Polonya'da hangi sigorta se\u00e7ilmeli?<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Herkes i\u00e7in m\u00fckemmel olan tek bir poli\u00e7e yoktur. Bu, <strong>hangi sigortay\u0131 se\u00e7meli<\/strong>, kal\u0131\u015f amac\u0131na (i\u015f, e\u011fitim, turizm), kal\u0131\u015f s\u00fcresine ve formalitelere (vize, ikamet kart\u0131) ba\u011fl\u0131d\u0131r. En s\u0131k \u00fc\u00e7 \u00e7\u00f6z\u00fcm d\u00fc\u015f\u00fcn\u00fclmektedir: Ulusal Sa\u011fl\u0131k Fonu (kamu), \u00f6zel sa\u011fl\u0131k sigortas\u0131 veya yard\u0131m alan yabanc\u0131lar\u0131n tedavisi i\u00e7in sigorta.<\/p>\n<p>Yabanc\u0131lara y\u00f6nelik poli\u00e7elerde hizmet modeli \u00f6nemlidir: baz\u0131 hizmetler bazen do\u011fru tesise y\u00f6nlendiren ve masraflar\u0131 nakitsiz olarak kar\u015f\u0131layan bir acil durum merkezi taraf\u0131ndan organize edilir. Bu, dilin bir engel oldu\u011fu veya zaman\u0131n \u00e7ok \u00f6nemli oldu\u011fu durumlarda b\u00fcy\u00fck bir kolayl\u0131kt\u0131r. Ayr\u0131ca Polonya'da kald\u0131\u011f\u0131n\u0131z s\u00fcre boyunca ani hastal\u0131k ve kazalar\u0131n teminat alt\u0131na al\u0131nd\u0131\u011f\u0131ndan emin olman\u0131zda da fayda vard\u0131r.<\/p>\n<h3>NFZ: Ne zaman mant\u0131kl\u0131 olur?<\/h3>\n<p>NFZ bazen uzun s\u00fcreli kal\u0131\u015flar i\u00e7in, yabanc\u0131n\u0131n yasal olarak yard\u0131m hakk\u0131 elde edebildi\u011fi durumlarda (\u00f6rne\u011fin \u00e7al\u0131\u015fma ve katk\u0131 paylar\u0131ndan) iyi bir se\u00e7imdir. Kamu sistemine eri\u015fim bir avantajd\u0131r, ancak pratikte uzman kuyruklar\u0131n\u0131 ve formaliteleri hesaba katmak gerekir. Bir\u00e7ok ki\u015fi i\u00e7in, acil durumlarda daha h\u0131zl\u0131 te\u015fhis veya daha iyi hizmet sa\u011flad\u0131\u011f\u0131 i\u00e7in ek bir \u00f6zel poli\u00e7e yine de gerekli olmaya devam etmektedir.<\/p>\n<h3>\u00d6zel poli\u00e7e \u201eyabanc\u0131lar\u0131n sa\u011fl\u0131k giderleri\u201d<\/h3>\n<p>Bu, Ulusal Sa\u011fl\u0131k Hizmetine hen\u00fcz d\u00fczenli olarak kat\u0131lmam\u0131\u015f olan veya acil bir durumda kapsam i\u00e7in net kurallar isteyen ki\u015filer taraf\u0131ndan en s\u0131k tercih edilen \u00e7\u00f6z\u00fcmd\u00fcr. Bu t\u00fcr sigortalar\u0131n T&amp;C'lerinde genellikle a\u015fa\u011f\u0131daki teminatlar\u0131 bulabilirsiniz <strong>hastane tedavi\u0307 ve operasyonlari<\/strong> ve te\u015fhis ve ayakta tedavi masraflar\u0131. Asistans yard\u0131mlar\u0131 ve kaza ve ki\u015fisel sorumluluk gibi ek mod\u00fcller de yayg\u0131nd\u0131r.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Daha geni\u015f bir perspektifle ilgileniyorsan\u0131z, ayr\u0131ca bkz: <a href=\"https:\/\/medicalinsurance.pl\/tr\/saglik-sigortasi\/\">sa\u011fl\u0131k sigortas\u0131<\/a> ve makale <a href=\"https:\/\/medicalinsurance.pl\/tr\/rehber\/saglik-sigortasi-2\/ozel-saglik-sigortasi-veya-buna-deger-mi-maliyet-analizi\/\">\u00f6zel sa\u011fl\u0131k sigortas\u0131n\u0131n \u00f6deme yap\u0131p yapmad\u0131\u011f\u0131<\/a>.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">T&amp;C'lerde ve limitlerde nelere dikkat etmeli?<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Hayal k\u0131r\u0131kl\u0131klar\u0131n\u0131n \u00e7o\u011fu, \u201eka\u011f\u0131t \u00fczerinde\u201d bir poli\u00e7e sat\u0131n ald\u0131ktan sonra bunun belirli bir durumu kapsamad\u0131\u011f\u0131n\u0131 fark etmekten kaynaklan\u0131r. Bu nedenle, sat\u0131n almadan \u00f6nce sigorta bedelini, sorumluluk limitlerini ve istisnalar\u0131 kontrol edin. Yabanc\u0131lar\u0131n t\u0131bbi harcamalar\u0131na ili\u015fkin sigorta belgelerinde, \u00f6rne\u011fin sanatoryum tedavisi, di\u015f hekimli\u011finin baz\u0131 b\u00f6l\u00fcmleri (profilaksi ve protez), plastik cerrahi veya hamilelik ve do\u011fumla ilgili masraflar (genellikle belirli bir haftadan sonra) ile ilgili istisnalarla kar\u015f\u0131la\u015f\u0131l\u0131r.<\/p>\n<p>Tan\u0131mlamak da \u00f6nemlidir <strong>kronik hastal\u0131k<\/strong> (teminat ba\u015flang\u0131c\u0131ndan \u00f6nce te\u015fhis edilen) ve poli\u00e7enin alevlenmeleri veya bunun i\u00e7in tedaviyi kapsay\u0131p kapsamad\u0131\u011f\u0131. Baz\u0131 \u00fcr\u00fcnler kronik hastal\u0131klar i\u00e7in geni\u015fletmeler sunar, ancak acil durum merkezi taraf\u0131ndan tedavinin d\u00fczenlenmesine ili\u015fkin s\u0131n\u0131rlar ve ko\u015fullar yine de ge\u00e7erli olabilir.<\/p>\n<\/p><\/div>\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>T\u0131bbi masraflar i\u00e7in sigorta tutar\u0131:<\/strong> Kal\u0131\u015f s\u00fcresi ne kadar uzunsa ve risk ne kadar b\u00fcy\u00fckse, o kadar y\u00fcksek olmal\u0131d\u0131r.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Hastaneye yat\u0131\u015f ve ameliyat:<\/strong> toplamda tamamen dahil edilip edilmediklerini veya alt limitleri olup olmad\u0131\u011f\u0131n\u0131 kontrol edin.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Yard\u0131m ve acil durum merkezi:<\/strong> ziyaretler d\u00fczenleyip d\u00fczenlemedi\u011fi ve cepten \u00f6deme yap\u0131p yapmad\u0131\u011f\u0131.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Kronik hastal\u0131klar:<\/strong> Poli\u00e7enin te\u015fhis ve alevlenmeleri kapsay\u0131p kapsamad\u0131\u011f\u0131 ve hangi ko\u015fullar alt\u0131nda kapsad\u0131\u011f\u0131.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>\u0130stisnalar:<\/strong> alkol, y\u00fcksek riskli sporlar, sanatoryumlar, baz\u0131 di\u015f hekimlikleri.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Muafiyet \/ a\u015f\u0131m:<\/strong> Sigortac\u0131n\u0131n sorumlu olmad\u0131\u011f\u0131 bir tutar olup olmad\u0131\u011f\u0131.<\/span><\/li>\n<\/ul><\/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 \u0130pucu<\/h4>\n<p class=\"kt-blocks-info-box-text\">T&amp;C'lerde hastane tedavisinden \u00f6nce acil durum merkeziyle ileti\u015fime ge\u00e7me zorunlulu\u011fu varsa, telefonunuza numaray\u0131 not edin. Acil bir durumda bu, nakit olmayan bir \u00f6demeyi belirleyebilir.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">Vize ve oturum kart\u0131 i\u00e7in sigorta<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>\u0130kameti yasalla\u015ft\u0131r\u0131rken \u00f6nemli olan sadece ger\u00e7ek koruma de\u011fil, ayn\u0131 zamanda resmi gerekliliklere uygunluktur. Yabanc\u0131lar i\u00e7in sigorta \u00fcr\u00fcn materyalleri genellikle poli\u00e7enin Yabanc\u0131lar Yasas\u0131'n\u0131n gerekliliklerini kar\u015f\u0131lad\u0131\u011f\u0131n\u0131 ve AB vatanda\u015f\u0131 olmayanlar i\u00e7in vize ba\u015fvurusuna temel olu\u015fturabilece\u011fini vurgular. Belgenin okunakl\u0131 olmas\u0131 (poli\u00e7e\/sertifika), kal\u0131\u015f s\u00fcresini kapsamas\u0131 ve t\u0131bbi masraflar i\u00e7in yeterli teminat i\u00e7ermesi \u00e7ok \u00f6nemlidir.<\/p>\n<p>Pratikte, \u201evize i\u00e7in\u201d ve \u201eoturum kart\u0131 i\u00e7in\u201d sigorta benzer olma e\u011filimindedir, ancak teminat s\u00fcresi ve sigortan\u0131n s\u00fcreklili\u011fi ile ilgili farkl\u0131 beklentiler vard\u0131r. Daha uzun s\u00fcre kalmay\u0131 planl\u0131yorsan\u0131z, yenilenmesi kolay ve net devaml\u0131l\u0131k kurallar\u0131 olan bir \u00e7\u00f6z\u00fcm se\u00e7mek daha iyidir. Ayr\u0131ca, teminat\u0131n Polonya genelinde ge\u00e7erli olup olmad\u0131\u011f\u0131n\u0131 ve acil durum yard\u0131m\u0131 sa\u011flay\u0131p sa\u011flamad\u0131\u011f\u0131n\u0131 do\u011frulamakta fayda vard\u0131r.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Ayr\u0131ca pratik k\u0131lavuzlara da bak\u0131n\u0131z: <a href=\"https:\/\/medicalinsurance.pl\/tr\/ikamet-karti-icin-sigorta\/\">ikamet kart\u0131 i\u00e7in sigorta<\/a> ve <a href=\"https:\/\/medicalinsurance.pl\/tr\/vi%cc%87ze-si%cc%87gortasi\/\">vi\u0307ze si\u0307gortasi<\/a>. Makale de yard\u0131mc\u0131 olmaktad\u0131r: <a href=\"https:\/\/medicalinsurance.pl\/tr\/rehber\/vize-icin-saglik-sigortasi\/vi%cc%87ze-ve-oturma-karti-i%cc%87ci%cc%87n-saglik-si%cc%87gortasi-arasindaki%cc%87-farklar\/\">farkl\u0131l\u0131klar: vizeye kar\u015f\u0131 ikamet kart\u0131<\/a>.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">\u00d6zet: Uygulamada politika se\u00e7imi<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>E\u011fer ger\u00e7ek\u00e7i bir \u015fekilde azaltmak istiyorsan\u0131z <strong>yabanc\u0131lar\u0131n tedavi masraflar\u0131<\/strong> Polonya'da, kal\u0131\u015f amac\u0131n\u0131z\u0131 ve risklerinizi belirleyerek ba\u015flay\u0131n: ofis i\u00e7in bir belgeye ihtiyac\u0131n\u0131z var m\u0131, esas olarak ani hastal\u0131klar i\u00e7in teminata ihtiyac\u0131n\u0131z var m\u0131, kronik hastal\u0131klar\u0131n\u0131z var m\u0131? Daha sonra sigorta tutar\u0131n\u0131, limitleri (\u00f6zellikle hastanede yatma ve ameliyatlar) ve yard\u0131m kurallar\u0131n\u0131 kar\u015f\u0131la\u015ft\u0131r\u0131n. Bu, bilin\u00e7li bir karar vermenin en kolay yoludur, <strong>hangi sigortay\u0131 se\u00e7meli<\/strong> kalmak i\u00e7in <strong>Polonya<\/strong>.<\/p>\n<p>\u015e\u00fcpheniz varsa, dan\u0131\u015fman\u0131n\u0131zla ileti\u015fime ge\u00e7in ve durumunuzu (vize\/ikamet kart\u0131), kal\u0131\u015f s\u00fcrenizi ve planlad\u0131\u011f\u0131n\u0131z faaliyetleri a\u00e7\u0131klay\u0131n. \u0130yi se\u00e7ilmi\u015f bir poli\u00e7e, zaman ve tedaviye h\u0131zl\u0131 eri\u015fim s\u00f6z konusu oldu\u011funda size para ve stres tasarrufu sa\u011flayacakt\u0131r.<\/p>\n<\/p><\/div>\n<\/p><\/div>","protected":false},"excerpt":{"rendered":"<p>Polonya'da yabanc\u0131lar i\u00e7in t\u0131bbi masraflar Tramvayda bir kaza, ani bir apandisit veya basit bir enfeksiyon bile sizi en uygunsuz anda \u015fa\u015f\u0131rtabilir....<\/p>","protected":false},"author":2,"featured_media":3110,"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":[22],"tags":[37,32,46,35,45],"class_list":["post-3111","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-koszty-leczenia-cudzoziemca","tag-diagnostyka","tag-koszty-leczenia-cudzoziemca","tag-nfz","tag-prywatne-ubezpieczenie-zdrowotne","tag-ubezpieczenie-do-karty-pobytu"],"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>Koszty leczenia cudzoziemc\u00f3w w Polsce: ubezpieczenie - Medical Insurance<\/title>\n<meta name=\"description\" content=\"Sprawd\u017a koszty leczenia cudzoziemc\u00f3w w Polsce i dowiedz si\u0119, jakie ubezpieczenie wybra\u0107: NFZ, prywatne czy do wizy\/karty pobytu. 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