{"id":3717,"date":"2026-02-12T13:21:42","date_gmt":"2026-02-12T12:21:42","guid":{"rendered":"https:\/\/ubezpieczenie-cudzoziemca.pl\/nieskategoryzowane\/odwolanie-od-decyzji-ubezpieczyciela-jak-je-napisac\/"},"modified":"2026-09-11T15:47:07","modified_gmt":"2026-09-11T13:47:07","slug":"appeal-against-the-insurers-decision-how-to-write-it","status":"publish","type":"post","link":"https:\/\/ubezpieczenie-cudzoziemca.pl\/en\/poradnik\/poradnik-pacjenta-i-faq\/odwolanie-od-decyzji-ubezpieczyciela-jak-je-napisac\/","title":{"rendered":"Appeal against the insurer's decision - how to write it?"},"content":{"rendered":"
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When the insurer's decision is denied<\/h2>\n<\/p><\/div>\n
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A denial of a benefit, an underpayment, or information that an event \u201edoes not fall within the scope of coverage\u201d can come as a surprise. For many people this is the end of the subject, but in practice it is often just the beginning of the conversation with the company. If you have a policy (for example, insurance for medical expenses of a foreigner in Poland) and do not agree with the settlement, you can file an appeal, or complaint, against the insurer's decision.<\/p>\n

The key is to act calmly and methodically: check the basis for the denial, gather documents, and write a letter that addresses the T&C and the facts. In this guide, we show you step-by-step how to prepare an effective appeal of an insurer's decision on a policy, what deadlines usually apply (often 30 days for a response), and what to do if the insurer maintains its position.<\/p>\n<\/p><\/div>\n

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What to check before cancelling<\/h2>\n<\/p><\/div>\n
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Before you write an appeal, read carefully the letter of denial or the decision to pay out in a lower amount. The insurer should indicate the circumstances and the basis (e.g., a provision in the T&C) that justify the refusal or a different calculation of the benefit. If the decision lacks specifics, this is already a valid argument to clarify the case.<\/p>\n

Then refer to the T&C (General Terms and Conditions of Insurance) and product sheet. In health policies for foreigners, definitions of events, limits and sublimits, exclusions of liability (e.g., treatment outside Poland) and the requirement to contact an emergency center are often key. It's also sometimes helpful to have a breakdown of the coverage of medical expenses and assistance benefits to compare with bills and medical records. If you want to sort out the topic, see also the guides on the site, such as. medical expenses of a foreigner<\/a>.<\/p>\n<\/p><\/div>\n

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\ud83d\udca1 Tip<\/h4>\n

The most common reason for denial is not \u201ebad will,\u201d but lack of documents. If the insurer has indicated what is missing, complete it right away and attach it to the appeal (e.g., hospital information sheet, test results, bills, proof of payment).<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n

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How to write an appeal step by step<\/h2>\n<\/p><\/div>\n
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An appeal against an insurer's decision is most often made by way of a complaint related to the conclusion or execution of an insurance contract. A complaint can usually be made in writing, electronically (form) or orally on the record\/telephone. In practice, it is best to choose written or electronic form, because you have proof of content and date of sending.<\/p>\n

In the letter itself, stick to the facts and structure. Indicate the policy number, the claim number (if there was one), the date of the decision, and clearly write what you expect: payment of the benefit in full, payment of the difference, acknowledgement of liability, or correction of the position. Then address the insurer's arguments and show why the insurer's decision is incorrect in light of the T&Cs and evidence.<\/p>\n<\/p><\/div>\n

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