Changing one’s place of residence during college is a common occurrence: moving from a dorm to an apartment, changing rooms, or moving to another city are not uncommon. In insurance documents, however, such a change requires careful review of several key sections. The address may appear on the application, the policy, the certificate, or in the policyholder’s information, but not every set of documents looks exactly the same. That is why First, carefully review the documents in your contract, and then report the change through the channel specified in the policy terms. Do not add the new address manually, and do not assume that moving automatically changes or terminates your coverage. The implications of this change should be assessed based on the specific policy, application, and applicable General Terms and Conditions.
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Does the new address require an update to the document?
There is no single answer that applies to all KLC policies. The document layout is not universal: In some cases, the address may appear on the policy or certificate; in others, it may be included in the information provided in the application. Therefore, the mere absence of an address on the first page does not necessarily mean that the information is irrelevant to the contract.
Start with a simple distinction. Check whether the person moving is the policyholder, the insured person, or both. They are not always the same person. A student may be insured under a policy taken out by someone else. In that case, a change in the student’s place of residence and a change in the policyholder’s address are two separate pieces of information.
Next, determine where the old address was saved. Do not make changes on your own — Manually correcting or editing a file does not constitute confirmation of the change by the insurer. If a new document needs to be issued, ask for it to be prepared or for official confirmation of the update.
A change of address also does not provide grounds for independently concluding that protection has been terminated, extended, or remained unchanged.
The outcome depends on the terms of the specific contract.
The safest sequence is: check the documents, report the change, and keep a record of the response.
What to Check in an Insurance Package
Prepare the entire set of documents, not just the file named „policy.” Check to see if, What is the difference between a certificate, a policy, and the General Terms and Conditions?. Each of these documents serves a different purpose, so it’s a good idea to check the address and update policies in several places.
Check the following one by one:
During the inspection, make a note of policy number and coverage period. Also, make a note of the old address, the new address, and the date of the move. If the document lists several people, specify which one the change applies to. This will ensure that the notification is unambiguous and easier to link to the contract.
It's worth comparing the spelling of the first and last names separately. Guides on this topic, How to verify personal information on an insurance document and how to preserve Consistency of the information on the insurance policy and in the passport, help distinguish a change of address from other discrepancies. Don't combine multiple corrections into a vague message. List each change separately.
How and where to report a change of address
Determine the recipient and the channel for submitting the notification based on the documents of the specific contract. Look for a section titled „Notices and Declarations,” „Final Provisions,” or something similar. The applicable General Terms and Conditions serve as a reference point, because a rule adopted by one insurer does not necessarily apply to another contract.
In your report, please provide only the information necessary to identify the issue and describe the change:
Also, ask for written confirmation of acceptance of the change. If the response does not clarify whether the policy or certificate needs to be reissued, ask that question directly. Do not assume that simply sending the message has resolved the matter.
The contact channel also needs to be reviewed. In some cases, email is permitted, but this cannot be used as a rule for every policy. Don't use a single channel for all contracts. Use the form specified in your policy, the General Terms and Conditions, or the policy provisions, and keep proof of mailing.
Once you receive a response, compare the new document with the previous one. Check your personal information, the contract number, the insurance period, and whether the address is correct. Do not treat an address correction as a new policy, unless the documents indicate otherwise. If in doubt, ask for a clear explanation of what has been changed.
What is stated in Compensa’s General Terms and Conditions and Ubezpieczenia’s Insurance Policy Terms and Conditions
These two examples show why you should read the terms and conditions specific to your own contract, rather than relying on general advice.
Under Compensa’s 2026 General Terms and Conditions for Foreign Travelers, the policyholder is required to notify Compensa of any change in their residential address or registered office. The same General Terms and Conditions specify, for evidentiary purposes, that such notification must be in writing—for example, via email sent from a personal email account—or electronically, provided that the contract, the General Terms and Conditions, or specific clauses may provide for different rules. The format of the application is specified in the relevant documents and should not be automatically applied to other products.
Compensa’s General Terms and Conditions of Insurance (GTC) of 2026 also stipulate that, during the term of the contract, the policyholder—and, in the situation described in the GTC, the insured as well—must report any changes in the circumstances about which Compensa inquired prior to the conclusion of the contract. Such notification must be provided immediately upon becoming aware of the change. First, check the content of the application, because not every move has to be related to the circumstances that were asked about at the time of purchase.
In turn, the General Terms and Conditions of TUZ Ubezpieczenia, approved by a resolution dated January 14, 2026, which apply to contracts entered into on or after February 13, 2026, require the policyholder to notify TUZ Ubezpieczenia of any change of address or registered office in one of the forms specified in the relevant paragraph. This obligation applies to the policyholder and the specific version of the terms and conditions.
These provisions confirm the disclosure obligations set forth in the aforementioned General Terms and Conditions.
They do not demonstrate an automatic impact on protection nor that the address must be printed on every certificate.
Therefore, even if you have a policy from one of these insurers, you should check the version of the General Terms and Conditions assigned to your contract, rather than relying solely on the company name or the year listed in another document.
Frequently Asked Questions
Do I need to buy a new insurance policy after changing dorms?
It is impossible to determine this without reviewing the contract. Changing dormitories constitutes a change of address, which must be evaluated in accordance with the policy, the application, and the applicable General Terms and Conditions. Don't buy a second policy without verifying it first. First, report the change in accordance with the terms of the current agreement and ask whether a new document is required.
Does the address have to be listed on the certificate?
There is no basis for assuming a single mandatory format for every KLC certificate. Review the entire set of documents. The explanatory summary is helpful. Differences Between a Certificate, a Policy, and the General Terms and Conditions. The absence of an address on the certificate does not settle the matter, because the information may have been recorded in a different contract document.
Is sending a regular email enough?
Only if this form complies with the terms of your specific policy. The example of Compensa does not set a rule for all insurers. Check the acceptable form of notification in the policy, the General Terms and Conditions, and the clauses, and then keep a copy of the confirmation of submission and the response.
Do the student and the policyholder have to report the same change?
It depends on who entered into the contract and who the updated information pertains to. First, determine the roles specified in the documents. The policyholder and the insured may be different people, so the message should clearly identify the person moving and the number of the applicable insurance policy.
Does a change of address interrupt coverage?
One should neither assume that coverage will be interrupted nor guarantee uninterrupted coverage without reviewing the terms of the contract. The move itself is not enough to determine the outcome. Ask for a written response regarding your policy and keep it with your documents.
Can I add a new address to the policy myself?
No. Modifying the file yourself or adding a handwritten note does not constitute confirmation of an update by the insurer. The document should come from the appropriate service channel. If the address is to appear on the policy or certificate, please request a corrected document.
What to Do Next
After moving, complete the following three steps: compare the policy, certificate, application, and General Terms and Conditions; report the change in accordance with the terms of the contract; and receive and review the confirmation. Keep all correspondence and documents in one place. If the response does not specify whether a new version of the policy or certificate is required, ask for clarification before using the document.
You can find more resources on similar situations in the section Formalities and Documents.
If you're just starting to look into KLC coverage for a foreign national in Poland, use the verified purchase form on the studentinsurance.pl website.
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