Hi
Polish flag has only two horizontal stripes, no coat of arms, just like
here.
There is a varaint with coat of arms, as currently in WinSPWW2, but it was created to avoid confusion when using it on ships, as that combination has a special meaning there. It is used on ships, civilian airports and airplanes. It is not used by army or nation.
EDIT: That should've gone to WinSPWW2 forum.