Travel insurance — Poland

[1] Medical expenses: Covered ↩

Covers costs of urgent medical treatment (outpatient visits, consultations, medications, medical aids, hospitalisation, surgery and doctor's fees) incurred during a foreign trip due to sudden illness or accident, up to the sum insured stated in the policy document. A deductible (franszyza integralna) of 100 PLN applies per event; does not apply to service-only benefits. Applies to foreign travel; domestic travel coverage limited to accidents only.

[2] Medical transport: Covered ↩

Covers medical transport from the site of accident or sudden illness to the nearest hospital or medical facility, and transport to another facility if the current one cannot provide adequate care, and transport to Poland or country of residence when medically required, up to the sum insured. Transport back to the place of stay abroad after treatment is covered up to 500 PLN.

Transport Ubezpieczonego do miejsca pobytu za granicą 500 zł

[3] COVID-19 treatment: Covered ↩

COVID-19 qualifies as a sudden illness under the OWU. Medical treatment costs are covered up to the sum insured. Additionally, costs of quarantine (isolatorium) ordered and organised by health authorities of the destination country are reimbursed, if the originally reserved stay cannot be used in another period or the reservation period ends during quarantine, within the sum insured.

[4] Personal liability: Optional ↩

Covers civil liability of the insured towards third parties for personal injury or property damage arising from tortious acts committed during a foreign or domestic trip in the course of private life activities, care of children or disabled persons, and use of non-motorised vehicles. Available as a paid add-on (§3 ust. 3 pkt 2 domestic / §3 ust. 5 pkt 3 foreign). A deductible (franszyza integralna) of 500 PLN applies. The sum insured is set in the policy document.

[5] Emergency dental: PLN 2,000 ↩

Covers dental treatment in cases of acute pain or acute inflammatory conditions during a foreign trip, up to 2,000 PLN for all dental events requiring immediate medical assistance during the insurance period. Does not cover routine dental care.

[6] Search & rescue: Covered ↩

The insurer covers documented costs of search and rescue operations conducted by specialised rescue units in the event of sudden illness or accident during a foreign trip, up to the sum insured (no separate sub-limit stated in the OWU table).

[7] Legal assistance: PLN 3,000 ↩

If civil law claims are filed against the insured before the courts of the country where the insured is located during a foreign trip, the insurer organises and covers the cost of a professional lawyer's fees up to 3,000 PLN. Not applicable when the legal issue relates to the insured's professional activity, work abroad, or owning/operating a motor vehicle. Translator/interpreter costs are covered separately up to 1,000 PLN.

[8] Emergency medical treatment: Covered ↩

Covers emergency medical consultations, diagnostic tests, outpatient procedures and doctor's fees prescribed following sudden illness or accident during a foreign trip. Included within the overall medical expenses sum insured (no separate sub-limit). A doctor's visit at the insured's accommodation is also covered when the health condition requires it.

[9] Hospitalization: Covered ↩

Covers hospitalisation costs including inpatient treatment, diagnostic tests, procedures and surgery that could not be postponed until return to Poland or the country of residence, up to the sum insured. Hospitalization is defined as uninterrupted hospital stay of at least 24 hours.

[10] Outpatient treatment: Covered ↩

Covers outpatient examinations and procedures prescribed by a doctor during a foreign trip due to sudden illness or accident, up to the sum insured. For domestic travel, outpatient treatment is covered only for accidents, not illness.

[11] Medical evacuation: Covered ↩

The insurer organises and covers the costs of transporting the insured to their place of residence or the nearest medical facility in Poland where treatment can be continued, when medically required per the treating doctor's written recommendation. The insurer takes over organisation when the originally planned transport cannot be used.

[12] Repatriation of remains: Covered ↩

In the event of the insured's death due to accident, sudden illness or natural causes abroad, the insurer organises and covers transport of the remains to the burial site in Poland or country of residence, or costs of burial abroad. If local regulations require a coffin, the cost of a coffin meeting local requirements is also covered. Up to the sum insured.

[13] Pre existing conditions: Optional ↩

By default, chronic diseases (illnesses diagnosed before policy conclusion that were treated regularly or intermittently, or caused hospitalisation within 24 months prior to the policy) are excluded. Coverage for worsening health due to exacerbation or complications of a chronic condition can be added as a paid extension for foreign travel (§3 ust. 5 pkt 14). Allergies are classified as chronic diseases, except for sudden, life-threatening allergic reactions.

[14] Winter sports cover: Optional ↩

Amateur winter sports (including alpine skiing on marked runs, snowboarding, ice skating, bobsleigh, hockey, kiteskiing etc.) are excluded by default. Available as a paid add-on (§3 ust. 5 pkt 12). Additional benefits when activated include: ski pass refund (up to 800 PLN), benefit for closed ski slopes (100 PLN/day, max 700 PLN), ski equipment hire refund (700 PLN) and accommodation in case of avalanche (250 PLN/day, max 500 PLN). If the high-risk sports extension is purchased, winter sports are automatically included at no additional cost.

[15] Adventure sports cover: Optional ↩

High-risk amateur sports (including off-piste skiing, heliskiing, BASE jumping, mountaineering above 5,500m, freediving, rafting on mountain rivers, motorsports, motocross, paragliding, hunting and expeditions to extreme environments) are excluded by default. Available as a paid add-on for both domestic and foreign travel (§3 ust. 3 pkt 8 / §3 ust. 5 pkt 13). Purchasing this extension automatically includes winter sports coverage at no extra cost.

[16] Pregnancy complications: Conditional ↩

Premature birth before 32 weeks of pregnancy and related care costs are covered up to 10,000 PLN. One medical visit required due to sudden deterioration of health related to pregnancy (excluding childbirth itself) and associated medical transport to a medical facility is covered up to 5,000 PLN. Planned pregnancy care, complications of planned pregnancy management, and childbirth costs (except premature birth before 32 weeks) are excluded (§13 ust. 3 pkt 2-3). Coverage is conditional on the event being sudden and unplanned.

[17] Medical expenses: PLN 300,000 – PLN 5,000,000 ↩

Covers organisation and costs of medical services in case of sudden illness or accident abroad, including prescribed medicines, dressings, orthopaedic devices, inhaler/nebuliser. Dental treatment sub-limit PLN 1,000. Quarantine accommodation/food sub-limit PLN 5,400. Post-return visit sub-limit PLN 500 (within 30 days). Also covers exacerbation of chronic disease. Limits by package: Komfort Strefa A/B/C PLN 300,000; Plus Strefa A PLN 500,000, B/C PLN 1,000,000; Ekstra Strefa A PLN 800,000, B/C PLN 1,500,000; Max (all zones) PLN 5,000,000.

Zorganizujemy udzielenie świadczeń medycznych Ubezpieczonemu, co do których potrzeba realizacji powstała w wyniku nagłego zachorowania lub wypadku Ubezpieczonego w podróży zagranicznej i pokryjemy ich koszty do wysokości sumy ubezpieczenia lub określonych limitów.

[18] Medical transport: Unlimited ↩

Transport of the insured (Ratownictwo i transport w podróży zagranicznej) is covered without a monetary limit for transport costs. Includes transport from the scene of the event to a medical facility, between medical facilities, and repatriation to Poland or country of residence. Specialist emergency medical transport (ambulance) is also covered without limit. Available in all four packages.

Zorganizujemy transport Ubezpieczonego i pokryjemy jego koszty, jeżeli potrzeba transportu powstała w wyniku nagłego zachorowania lub wypadku Ubezpieczonego w podróży zagranicznej.

[19] COVID-19 treatment: PLN 300,000 – PLN 5,000,000 ↩

COVID-19 is explicitly included in the definition of 'sudden illness' (nagłe zachorowanie), which includes illness arising in connection with diseases for which an epidemic or pandemic has been declared, including COVID-19. Covered within the medical expenses benefit up to the full insured sum per package and zone (PLN 300,000–5,000,000).

stan chorobowy powstały w sposób nagły, zagrażający życiu lub zdrowiu, który wymaga natychmiastowego udzielenia świadczenia medycznego, w tym nagłe zachorowanie powstałe wskutek choroby, w związku z wystąpieniem której ogłoszono epidemię lub pandemię (w szczególności COVID-19).

[20] Personal liability: PLN 1,000,000 – PLN 2,000,000 ↩

Covers civil liability of the insured for damages (personal injury or property damage) caused unintentionally to third parties during travel. Insured sum: PLN 1,000,000 in packages Komfort, Plus, Ekstra; PLN 2,000,000 in package Max. Covers legal costs and expert fees up to the guarantee sum. Excludes intentional damage, mandatory OC insurances, damage to rented property (except accommodation), environmental damage, and inter-insured claims.

Obejmujemy ochroną odpowiedzialność cywilną Ubezpieczonego w zakresie czynności życia prywatnego, powstałą w następstwie czynu niedozwolonego.

[21] Emergency dental: PLN 1,000 ↩

In case of sudden illness or accident requiring dental treatment, Allianz covers the costs of dental medical services up to PLN 1,000. Available in all four foreign travel packages (Komfort, Plus, Ekstra, Max).

W przypadku nagłego zachorowania lub wypadku Ubezpieczonego, które powoduje konieczność świadczeń medycznych z zakresu leczenia stomatologicznego, pokryjemy koszty tych świadczeń medycznych do wysokości 1000 złotych.

[22] Search & rescue: PLN 100,000 ↩

Allianz covers the costs of search and rescue operations conducted by specialised authorised entities, up to PLN 100,000, if the insured's disappearance during foreign travel is reported to police or emergency services. This limit applies within the base packages (Ratownictwo i transport w podróży zagranicznej). An optional add-on Ratownictwo Premium provides an additional PLN 100,000 limit (total PLN 200,000 combined).

Pokryjemy koszty działań poszukiwawczych lub ratowniczych, przeprowadzonych przez wyspecjalizowane podmioty uprawnione do takich działań, jeżeli zostanie zgłoszone zaginięcie Ubezpieczonego w podróży zagranicznej jednostce policji lub służbom ratunkowym w kraju, w którym doszło do zdarzenia, do limitu 100 000 złotych.

[23] Legal assistance: Covered ↩

Within the Assistance benefit (included in all four packages without monetary limits), Allianz provides information on the contact details of lawyers and legal advisors at the insured's location abroad. However, Allianz does not cover the actual cost of the lawyer's services. Legal costs in connection with civil liability claims are covered separately within the OC w życiu prywatnym benefit up to the guarantee sum.

pomocy prawnej – udzielimy informacji dotyczących danych adresowych i kontaktowych prawników, w tym adwokatów lub radców prawnych, udzielających w ramach prowadzonej działalności gospodarczej porad prawnych w miejscu pobytu lub kraju pobytu Ubezpieczonego w podróży.

[24] Emergency medical treatment: PLN 300,000 – PLN 5,000,000 ↩

Emergency medical treatment is covered as part of the medical expenses benefit (Koszty leczenia w podróży zagranicznej). Allianz organises and covers costs of emergency medical services arising from sudden illness or accident, up to the insured sum per package and zone (PLN 300,000–5,000,000). Covers COVID-19 as a sudden illness.

Zorganizujemy udzielenie świadczeń medycznych Ubezpieczonemu, co do których potrzeba realizacji powstała w wyniku nagłego zachorowania lub wypadku Ubezpieczonego w podróży zagranicznej i pokryjemy ich koszty do wysokości sumy ubezpieczenia lub określonych limitów.

[25] Hospitalization: PLN 300,000 – PLN 5,000,000 ↩

Hospitalisation costs are covered within the medical expenses benefit. No separate sub-limit for hospitalisation; subject to the overall medical expenses insured sum per package and zone (PLN 300,000–5,000,000). If hospitalisation lasts more than 72 hours or is life-threatening, Allianz also arranges transport of one close person to the insured's location (economy class, return) and accommodation up to PLN 300/day for up to 5 days.

Jeśli Ubezpieczony będzie hospitalizowany dłużej niż 72 godziny lub gdy jego stan, zgodnie z dokumentacją medyczną, będzie zagrażał życiu, zorganizujemy transport do miejsca pobytu Ubezpieczonego w podróży zagranicznej jednej osoby bliskiej i pokryjemy jego koszty w klasie ekonomicznej w obie strony.

[26] Outpatient treatment: PLN 300,000 – PLN 5,000,000 ↩

Outpatient treatment is covered within the medical expenses benefit (Koszty leczenia w podróży zagranicznej). Includes doctor's consultations, diagnostic examinations, prescribed medicines, dressings, and orthopaedic devices. Covered up to the overall insured sum per package and zone (PLN 300,000–5,000,000).

Zakres ubezpieczenia obejmuje koszty świadczeń medycznych w zakresie poprawy stanu zdrowia, w tym koszty zakupu zaleconych przez lekarza prowadzącego leczenie leków, środków opatrunkowych, środków ortopedycznych, inhalatora lub nebulizatora.

[27] Medical evacuation: Unlimited ↩

Medical evacuation to Poland or the insured's country of residence is covered without a monetary limit on transport costs as part of the Ratownictwo i transport w podróży zagranicznej benefit. Allianz organises and covers costs of transport to the designated location in Poland or country of residence. Repatriation of remains in case of death is also covered (including transport coffin up to PLN 10,000). Available in all four packages.

do wskazanego przez Ubezpieczonego miejsca w Polsce lub kraju zamieszkania.

[28] Repatriation of remains: PLN 10,000 ↩

In the event of death of the insured during foreign travel, Allianz organises and covers the costs of transporting the remains to the place of burial in Poland or the insured's country of residence. The cost of a transport coffin is covered up to PLN 10,000. Transport costs themselves have no monetary limit. Available in all four packages.

W przypadku śmierci Ubezpieczonego w podróży zagranicznej zorganizujemy transport jego zwłok do miejsca pochówku w Polsce lub kraju zamieszkania Ubezpieczonego i pokryjemy jego koszty; pokryjemy koszt zakupu trumny przewozowej do limitu 10 000 złotych.

[29] Pre existing conditions: PLN 300,000 – PLN 5,000,000 ↩

Exacerbation of chronic disease (zaostrzenie objawów choroby przewlekłej) is included within the definition of 'sudden illness' for the Ubezpieczenie w podróży product, and is thus covered under the medical expenses benefit up to the applicable insured sum (PLN 300,000–5,000,000). However, coverage is excluded if, prior to the start of the trip, medical contraindications to travel existed due to the condition in question and the insured was informed of this by a physician. Illnesses for which medical contraindications or indications for treatment/surgery existed before travel and were communicated to the insured are excluded.

Dla Ubezpieczenia kosztów organizacji podróży – Przerwanie lub opóźnienie podróży oraz dla Ubezpieczenia w podróży nagłe zachorowanie obejmuje również zaostrzenie objawów choroby przewlekłej.

[30] Winter sports cover: PLN 300,000 – PLN 5,000,000 ↩

By default, winter and high-risk sports (sporty wysokiego ryzyka i zimowe) are excluded from all packages. Coverage can be extended by paying an additional premium for the 'Klauzula sportów wysokiego ryzyka i zimowych' rider. When activated, this clause covers amateur participation in defined winter/high-risk sports within medical expenses, transport, NNW, OC, and Ratownictwo Premium. The additional insured sum equals the underlying package's insured sum (PLN 300,000–5,000,000).

Klauzula sportów wysokiego ryzyka i zimowych – jeśli opłacisz dodatkową składkę, możemy objąć ochroną szkody powstałe wskutek amatorskiego uprawiania przez Ubezpieczonego sportów wysokiego ryzyka lub zimowych.

[31] Adventure sports cover: PLN 300,000 – PLN 5,000,000 ↩

High-risk and winter sports (sporty wysokiego ryzyka i zimowe) are excluded by default. Coverage can be extended by paying an additional premium for the 'Klauzula sportów wysokiego ryzyka i zimowych' rider, which covers damage arising from the insured's amateur practice of high-risk or winter sports within the medical expenses, rescue/transport, NNW (accident) and OC (personal liability) benefits; this extension does not exclude or limit liability arising from recreational sports. A separate rider, 'Klauzula wyczynowego uprawiania sportów', extends cover to competitive and professional sport. The additional insured sum equals the underlying package's insured sum (PLN 300,000–5,000,000).

Klauzula sportów wysokiego ryzyka i zimowych – jeśli opłacisz dodatkową składkę, możemy objąć ochroną szkody powstałe wskutek amatorskiego uprawiania przez Ubezpieczonego sportów wysokiego ryzyka lub zimowych.

[32] Pregnancy complications: PLN 300,000 – PLN 5,000,000 ↩

Allianz covers medical services for sudden illness related to a pregnancy that was uncomplicated before the start of travel. This applies to both medical expenses and transport. Childbirth and pregnancy-related planned care are excluded. Abortion/termination of pregnancy is excluded unless necessary to save the life or health of the insured woman.

Zorganizujemy udzielenie świadczeń medycznych Ubezpieczonej także wtedy, gdy potrzeba realizacji powstała w wyniku nagłego zachorowania w związku z ciążą przebiegającą przed rozpoczęciem podróży bez powikłań, i pokryjemy ich koszty do wysokości sumy ubezpieczenia.

[33] Medical expenses: PLN 200,000 – PLN 40,000,000 ↩

Covers necessary and documented medical treatment costs incurred abroad due to a sudden illness or accident, including diagnostics, medical consultations, hospitalization, prescribed medications, and associated assistance services. Three tiers: Urlopowicz 200,000 PLN; Podróżnik 600,000 PLN; Zdobywca 40,000,000 PLN. Chronic disease exacerbation included in Podróżnik and Zdobywca only (see pre_existing_conditions). Events after alcohol consumption covered in Zdobywca tier only (within the medical sum).

[34] Medical transport: PLN 200,000 – PLN 40,000,000 ↩

Covers transport of the insured to and from the nearest appropriate medical facility (including doctor call-out), transport between medical facilities, and medically justified transport from a medical facility to accommodation abroad if public transport cannot be used. All transport costs are covered at actual (real) cost within the applicable KL sum per tier: Urlopowicz 200,000 PLN; Podróżnik 600,000 PLN; Zdobywca 40,000,000 PLN. Transport must be accepted by the Assistance Call Center.

[35] COVID-19 treatment: PLN 200,000 – PLN 40,000,000 ↩

COVID-19 is covered as a sudden illness (Nagłe zachorowanie) triggering the medical expenses benefit within the applicable KL sum. Additionally, if the insured does not fall ill but is subject to mandatory quarantine or isolation ordered by local authorities (documented named decision), the Assistance section covers: extended stay abroad (accommodation and meals up to the daily limit per tier for max 14 days) and transport to the country of permanent residence. Per-tier daily limits for extended stay during quarantine: Urlopowicz 200 PLN/day; Podróżnik 450 PLN/day; Zdobywca 600 PLN/day; max 14 days each. Transport limit during quarantine: Urlopowicz/Podróżnik 1,000 PLN; Zdobywca 2,000 PLN.

powstało wskutek pandemii lub epidemii;

[36] Personal liability: PLN 250,000 – PLN 1,500,000 ↩

Covers civil liability of the insured for personal injury (szkoda osobowa) and property damage (szkoda rzeczowa) caused to third parties during the trip as a tort, up to the applicable sum. Not available in Urlopowicz tier. Podróżnik: personal injury 250,000 PLN, property damage 125,000 PLN. Zdobywca: personal injury 1,500,000 PLN, property damage 750,000 PLN. Claims below 750 PLN are not covered (100% own contribution applies). Excludes: intentional acts, damage to close relatives/co-insured, use of motor vehicles, rented property damage, liability for business activities, and damage caused while intoxicated.

[37] Emergency dental: PLN 900 – PLN 2,000 ↩

Covers emergency dental care for acute tooth pain treated by extraction or basic filling (including X-ray), and procedures aimed at reducing pain associated with oral mucosa that do not result from neglect of care. Sub-limits per tier: Urlopowicz 900 PLN; Podróżnik 1,600 PLN; Zdobywca 2,000 PLN. The sub-limit does not apply to dental treatment costs resulting from an accident (Nieszczęśliwy wypadek), which are covered within the full KL sum. Preventive, cosmetic, or elective dental services are excluded.

[38] Search & rescue: PLN 200,000 – PLN 40,000,000 ↩

Covers rescue operations (ratownictwo): intervention of emergency rescue services or helicopter transport from the site of the insured event to the nearest appropriate medical facility, if required by the insured's health condition. Covered at actual cost within the applicable KL sum per tier: Urlopowicz 200,000 PLN; Podróżnik 600,000 PLN; Zdobywca 40,000,000 PLN. Includes mountain rescue services.

[39] Legal assistance: PLN 3,000 – PLN 15,000 ↩

Covers legal assistance during travel when the insured suffers personal injury or property damage and seeks compensation, or when criminal/misdemeanor proceedings are initiated against them. Includes legal advice, document translation, expert opinions, and court representation. Not available in Urlopowicz tier. Podróżnik: 3,000 PLN; Zdobywca: 15,000 PLN. Exclusions include: disputes between insured and insurer, disputes between close relatives, disputes with subject matter below 100 EUR, matters related to the insured's business activity, copyright/IP matters, family law, social security, and contracts concluded before the trip.

[40] Emergency medical treatment: PLN 200,000 – PLN 40,000,000 ↩

Emergency medical treatment including doctor visits, specialist consultations, diagnostics and prescribed medications are covered within the overall medical expenses sum. No separate sub-limit; costs covered up to the applicable KL sum per tier: Urlopowicz 200,000 PLN; Podróżnik 600,000 PLN; Zdobywca 40,000,000 PLN. Treatment must be medically necessary and aimed at stabilizing the insured's health to allow continuation of travel or return home.

[41] Hospitalization: PLN 200,000 – PLN 40,000,000 ↩

Hospitalization costs including inpatient admission with standard medical care, surgery, anesthesia, medications, and hospital meals are covered within the medical expenses sum. No separate sub-limit; covered up to the applicable KL sum per tier: Urlopowicz 200,000 PLN; Podróżnik 600,000 PLN; Zdobywca 40,000,000 PLN. Hospitalization must result from a sudden illness or accident occurring during the trip.

[42] Outpatient treatment: PLN 200,000 – PLN 40,000,000 ↩

Outpatient treatment costs including doctor consultations, diagnostic tests and prescribed medications are covered within the overall medical expenses sum. No separate sub-limit; covered up to the applicable KL sum per tier: Urlopowicz 200,000 PLN; Podróżnik 600,000 PLN; Zdobywca 40,000,000 PLN. Treatment must be medically necessary and cannot be safely deferred until return home.

[43] Medical evacuation: PLN 200,000 – PLN 40,000,000 ↩

Covers repatriation of the insured to their country of permanent residence using a transport method appropriate to their health condition, when the originally planned means of transport cannot be used for medical reasons. Decision on transport method is made by Assistance Call Center doctors in consultation with the insured and the treating physician abroad. Covered at actual cost within the applicable KL sum per tier: Urlopowicz 200,000 PLN; Podróżnik 600,000 PLN; Zdobywca 40,000,000 PLN. Must be authorized and organized by the Assistance Call Center.

[44] Repatriation of remains: PLN 200,000 – PLN 40,000,000 ↩

Covers transport of the insured's remains and purchase of a transport coffin to the place of burial in the country of permanent residence, if the insured died during the trip as a result of an insured event. The Assistance Call Center organizes all formalities, chooses the method and means of transport. Alternatively, CPA may organize and cover costs of cremation and transport of ashes to the country of permanent residence, or burial abroad, up to the cost equivalent of transporting remains to Poland. Covered at actual cost within the applicable KL sum per tier: Urlopowicz 200,000 PLN; Podróżnik 600,000 PLN; Zdobywca 40,000,000 PLN.

[45] Pre existing conditions: Conditional ↩

Acute exacerbation of a chronic pre-existing condition (Choroba przewlekła) is treated as a Nagłe zachorowanie (sudden illness) and covered within the full KL sum in the Podróżnik and Zdobywca tiers only. In the Urlopowicz tier, exacerbation of chronic conditions is explicitly excluded. A chronic condition is defined as any disorder diagnosed or treated within 24 months before the contract date, which does not contraindicate travel and is in remission at trip commencement. Non-declaration of chronic conditions may result in claim denial. Chronic conditions must be in remission (stable, no symptoms requiring immediate medical consultation) at the time of departure.

[46] Winter sports cover: Optional ↩

Optional add-on 'Pakiet Narty' available for Podróżnik and Zdobywca tiers (not available for Urlopowicz). Covers: (1) Baggage for sports equipment regardless of age, with additional 5,000 PLN added to sports equipment baggage sum; (2) Refund of ski pass costs up to 1,200 PLN/insured if unable to use due to accident or illness; (3) Cash benefit of 225 PLN/day (max 1,350 PLN/insured) if all marked ski runs are closed due to adverse weather; (4) Rental of replacement ski equipment at up to 270 PLN/day (max 1,600 PLN/insured) if insured's equipment is lost, stolen, or damaged. Winter sports such as skiing and snowboarding on marked trails are included in the standard sports coverage as 'ordinary sports' (sporty zwykłe) without additional premium.

[47] Adventure sports cover: Optional ↩

Optional extension covering events related to high-risk sports (Sporty wysokiego ryzyka), including recreational participation in sports requiring above-average skills, courage and high-risk conditions, e.g. downhill cycling, freediving, go-karts, kayaking/rafting WW3-WW5, kitesurfing, mountain biking, archery, marathons, off-piste skiing/snowboarding, scuba diving below 10m, rugby, speleology, motor sports (except quads/scooters), martial arts, trekking with specialist equipment or above 3,500m, sea kayaking, via ferrata B-E, and competitive practice of ordinary sports. Extension applies to KL, NNW, Bagaż (luggage), and OC (liability) coverages depending on tier. In Urlopowicz: extends KL and NNW only. In Podróżnik and Zdobywca: extends KL, NNW, Bagaż, and OC. Coverage within the respective risk sums.

[48] Pregnancy complications: Conditional ↩

Medical expenses resulting from pregnancy complications are covered up to the 32nd week of pregnancy only (within the applicable KL sum). After the 32nd week and childbirth are excluded from the medical expenses coverage. Pregnancy complications may also trigger trip cancellation/interruption coverage. Diagnostic tests to confirm pregnancy, termination of pregnancy, any complications of pregnancy after the 32nd week, childbirth, and infertility treatment are excluded.

badań (łącznie z laboratoryjnymi i ultrasonograficznymi) w celu stwierdzenia ciąży, przerwania ciąży, jakichkolwiek powikłań ciąży po 32 tygodniu oraz porodu;

[49] Medical expenses: Covered ↩

Covers medically justified costs of necessary treatment abroad arising from an accident or illness (unexpected illness or exacerbation of a chronic condition not manifested before the trip requiring immediate medical attention). Includes: medically necessary treatment, dental treatment for acute pain/inflammation or accident-related emergency, OTC medications and dressings up to EUR 50, telephone calls to medical facilities or the insurer up to EUR 50, repair/purchase of corrective glasses, hearing aids, dental prostheses or clothing damaged in an accident up to EUR 200. If using a public health facility in an EU/EFTA state covered by EHIC, a daily hospital benefit of EUR 25 per day (max EUR 200) is paid; only costs not reimbursed by EHIC are compensated. The sum insured is set in the individual policy.

medycznie uzasadnione wydatki związane z Twoim niezbędnym leczeniem za granicą;

[50] Medical transport: Covered ↩

Covers justified costs of transport to and from a medical facility to the place of accommodation during the trip due to accident or illness, and costs of early return to the country of residence. Transport costs to/from the country of residence are covered up to the equivalent cost of transport to/from Poland. Also covers transport of a substitute driver to take the insured and companions home if health prevents driving, and transport costs for a person replacing the insured on a business trip (economy class).

Twojego transportu do i z zakładu leczniczego do miejsca zakwaterowania podczas Podróży z powodu Wypadku lub Choroby;

[51] COVID-19 treatment: Covered ↩

COVID-19 is not named in the OWU PL-4TR; as an unforeseen illness that did not manifest before the trip and requires immediate medical help, it falls under medical expenses within the policy sum insured. The pandemic/epidemic exclusion applies only to trip cancellation and trip interruption insurance.

w przypadku ubezpieczenia Rezygnacji z Podróży i Przerwania Podróży - w wyniku pandemii lub epidemii;

[52] Personal liability: Covered ↩

If the insured causes damage to a third party during the trip (to their life, health or property), the following are covered: medical or death costs of the third party, costs to eliminate/minimise property damage, lost income of the third party, court proceedings costs agreed in advance with the insurer, legal assistance costs where the insured's action/omission was not in line with the destination country's norms or violated regulations and caused damage. Non-material damages (szkody niemajątkowe) are also covered. The sum insured is set in the individual policy. Exclusions include: damage to family members or the policyholder; damage in connection with business activities; damage via land or water transport (except muscle-powered and electric vehicles with max speed 25 km/h); contractual/warranty obligations; fines, penalty interest; damage from infection, infectious disease, mental disorders, epileptic seizures, neurological disorders; use of weapons; intoxication.

Jeśli podczas Podróży wyrządziłeś szkodę Osobie trzeciej, jej życiu, zdrowiu lub mieniu, zrekompensujemy następujące szkody i koszty:

[53] Emergency dental: Conditional ↩

Dental treatment is covered only in the case of acute pain or acute inflammation, or as emergency first aid following an accident. Routine dental care, check-ups or planned dental work are not covered. Sub-limit not stated separately in OWU; covered within overall medical expenses sum insured.

leczenia stomatologicznego tylko w przypadku ostrego bólu lub stanu zapalnego albo pomocy doraźnej będącej następstwem Wypadku;

[54] Search & rescue: Covered ↩

Covers search and rescue operations in mountains, on land and on water conducted by specialized units if the insured goes missing during the trip. Organised by the 24/7 assistance centre.

poszukiwanie i ratownictwo w górach, na lądzie i na wodzie prowadzone przez wyspecjalizowane w tym celu jednostki, jeśli zaginąłeś podczas Podróży;

[55] Legal assistance: Covered ↩

Legal assistance costs are covered under the personal liability section if the insured accidentally or unknowingly acted contrary to the norms of the destination country or violated local regulations and caused damage to a third party. Pre-agreed court proceeding costs in connection with a third-party claim against the insured are also covered. No separate sum insured stated; covered within the liability sum insured as set in the policy.

koszty pomocy prawnej, jeśli przypadkowo lub nieświadomie: Twoje działanie/ zaniechanie nie było zgodne z normami kraju przeznaczenia;

[56] Emergency medical treatment: Covered ↩

Covers costs of urgent medical treatment abroad due to accident or sudden illness (including exacerbation of chronic conditions not manifested before the trip). Treatment must be immediately necessary; planned treatment abroad is excluded. Covered within the overall medical expenses sum insured as set in the policy.

Jeśli Twój stan zdrowia pogorszy się podczas Podróży, pokryjemy następujące koszty związane z Wypadkiem lub Chorobą:

[57] Hospitalization: Covered ↩

Hospitalization costs are covered within the overall medical expenses sum insured. If hospitalization in an EU/EFTA country uses EHIC, a daily benefit of EUR 25 per hospital day is paid (max EUR 200), with only costs not reimbursed under EHIC compensated. If hospitalization extends beyond the planned return date, accommodation and meals for accompanying family or one companion are covered up to EUR 500. Economy-class flight, accommodation and return of one family member is covered if the insured is hospitalized abroad.

wypłacimy Ci świadczenie w wysokości 25 EUR za każdy dzień pobytu w szpitalu, nie więcej niż 200 EUR

[58] Outpatient treatment: Covered ↩

Outpatient medical treatment costs abroad are covered within the overall medical expenses sum insured where medically justified in connection with an accident or illness. Excluded: prophylactic examinations, vaccinations and diagnostics unrelated to accident or illness, planned treatment, rehabilitation, cosmetic or plastic surgery, psychotherapy/psychiatry, unconventional methods, prosthetics, organ/tissue transplants.

na planowane leczenie Za granicą; za badania profilaktyczne, szczepienia oraz diagnostykę niezwiązane z Wypadkiem lub Chorobą;

[59] Medical evacuation: Covered ↩

Medical evacuation is organised and covered by the 24/7 assistance centre. Covers early return to the country of residence when medically necessary, transport of unaccompanied minor children left abroad without adult care due to the insured's illness, accident or death, and cover for costs of extending the trip and return if the insured cannot travel on the planned date for health reasons. Transport costs capped at the equivalent of transport to/from Poland.

opieki i transportu do Kraju Zamieszkania małoletnich dzieci podróżujących z Tobą, które pozostały Za granicą bez opieki osoby dorosłej z powodu Twojej Choroby, Wypadku lub śmierci;

[60] Repatriation of remains: Covered ↩

Covers transport of mortal remains, purchase of the coffin required for transport, or costs of burial or cremation abroad, or transport of the urn to the country of residence in any case not listed as an exclusion from liability. Organised by the 24/7 assistance centre.

transport Twoich zwłok, zakup trumny niezbędnej do transportu lub koszty pochówku lub kremacji za granicą lub transport urny do Kraju zamieszkania

[61] Pre existing conditions: Conditional ↩

Chronic disease exacerbation is covered only if it did not manifest before the start of the trip and requires immediate medical attention. The policy definition of 'Illness' (Choroba) explicitly includes exacerbation of a chronic disease that did not manifest before the trip. Pre-existing conditions that were already manifested before departure are not covered; planned treatment abroad is also excluded.

Choroba — nieprzewidziane zachorowanie lub zaostrzenie choroby przewlekłej, które nie ujawniły się przed rozpoczęciem Podróży i wymagają natychmiastowej pomocy medycznej.

[62] Winter sports cover: Optional ↩

Amateur skiing and snowboarding is an optional extension. When included, coverage additionally covers: refund of unused ski pass or ski school costs due to accident or illness (max EUR 250); piste closure benefit of EUR 25 per full day of closure due to adverse weather within 30 km of accommodation (max EUR 250, only between 15 December and 31 March); ski equipment rental reimbursement if unable to use rented equipment due to accident or illness (max EUR 25 per day, up to EUR 250); ski equipment delayed delivery by carrier over 12 hours covered at max EUR 25 per day (up to EUR 250); accommodation due to avalanche delay of at least 12 hours covered for insured and family members up to EUR 500. Extreme skiing (off-piste, downhill, freeride, ski jumping/acrobatics, skialpinizm) is classified as an extreme sport and requires a separate extreme sports extension.

Jeżeli zakres ubezpieczenia został rozszerzony o amatorskie uprawianie narciarstwa lub snowboardingu zakres obejmuje również:

[63] Adventure sports cover: Optional ↩

Extreme sports are excluded by default. A policy extension for extreme sports can be added ("chyba że w polisie określono inaczej"). Extreme sports as defined in the OWU include: motor sports, combat and defensive sports, rugby, American football, all airborne activities, caving, rock climbing, parkour, motorised water sports, diving below 30 m, quad biking, kitesurfing, wakeboarding, water skiing, mountain river rafting, ocean sailing, ski jumping and acrobatics, skialpinizm, off-piste skiing/snowboarding, downhill, freeride, all activities above 3,500 m above sea level, and expeditions to polar regions, glaciers, bush, jungle, Antarctica, Arctic or Greenland. A policy covering extreme sports also automatically includes amateur skiing and snowboarding.

Sporty ekstremalne — następujące aktywności i dyscypliny: sporty motorowe, sporty walki i sporty obronne, rugby, futbol amerykański, wszelkie aktywności powietrzne

[64] Pregnancy complications: Conditional ↩

Costs related to pregnancy (from week 28) or childbirth are excluded, except where necessary emergency medical assistance is required in urgent cases related to an accident. Coverage for pregnancy complications is therefore conditional: only emergency treatment linked to an accident is covered; routine pregnancy costs and childbirth from week 28 are excluded.

w związku z ciążą (począwszy od 28 tygodnia ciąży) lub porodem, z wyjątkiem sytuacji, gdy jest to związane z udzieleniem niezbędnej pomocy medycznej w nagłych przypadkach w związku z Wypadkiem;

[65] Medical expenses: Not established from the insurer's documents ↩

Covers necessary medical costs arising from sudden illness or accident during foreign travel, including hospitalization, surgical operations, diagnostics and outpatient procedures (including exacerbation of chronic disease), prescribed medications, infusion fluids, and dressings. Three tiers available: Podstawowy (60,000 EUR), Polecany/Rozszerzony (mid-range), Elastyczny (up to 350,000 EUR). Also covers tropical diseases diagnosed within 30 days of policy expiry and post-return treatment continuation in Poland (up to PLN 5,000).

Najtańsza opcja, która obejmuje koszty leczenia do 60 000 euro i assistance do 60 000 euro, NNW do 10 000 zł oraz OC do 25 000 euro.

[66] Medical transport: Not established from the insurer's documents ↩

Compensa's Alarm Centre organises and pays transport from the site of illness or accident to the nearest medical facility, between medical facilities, and return transport to the insured's accommodation; falls within the assistance sum insured and does not reduce the medical expenses sum.

Za pośrednictwem Centrum Alarmowego COMPENSA zorganizuje i opłaci transport środkiem transportu odpowiednim do stanu zdrowia ubezpieczonego: z miejsca zachorowania lub nieszczęśliwego wypadku do najbliższej placówki medycznej.

[67] COVID-19 treatment: Not established from the insurer's documents ↩

Explicitly covered by the OWU: Compensa covers medically necessary costs arising from contracting infectious viral diseases including COVID-19 and SARS during foreign travel; falls within the general medical expenses sum insured. Quarantine costs and prophylactic tests are not covered.

COMPENSA obejmuje ochroną także niezbędne z medycznego punktu widzenia koszty leczenia, w wyniku których podczas podróży zagranicznej ubezpieczony musi poddać się leczeniu w związku z zachorowaniem na zakaźne choroby wirusowe np. Covid-19, SARS.

[68] Personal liability: Not established from the insurer's documents ↩

Optional Klauzula nr 3 covers civil liability for bodily injury and property damage caused to third parties during private life activities while travelling abroad. Three tiers: Podstawowy (OC up to 25,000 EUR), Polecany/Rozszerzony (mid), Elastyczny (up to 250,000 EUR). Includes coverage for damage in rented accommodation exceeding 200 EUR, damage caused by water flooding irrespective of fault, and retained rental car excess up to PLN 750 without additional premium.

Na podstawie tej klauzuli COMPENSA ubezpiecza ubezpieczonego od odpowiedzialności cywilnej w życiu prywatnym.

[69] Emergency dental: Not established from the insurer's documents ↩

Covers emergency dental care for acute pain or inflammation not resulting from carious conditions; organised and paid by Compensa's Alarm Centre; sub-limit 500 EUR within the medical expenses sum insured. Prophylactic and prosthetic dental treatment (including implant replacement) is excluded.

Gdy wystąpią ostre stany bólowe lub stany zapalne, które nie są konsekwencją stanów próchnicowych zębów, za pośrednictwem Centrum Alarmowego COMPENSA zapewnia organizację i pokryje koszty natychmiastowej pomocy stomatologicznej. do wysokości 500 euro w ramach sumy ubezpieczenia kosztów leczenia.

[70] Search & rescue: Not established from the insurer's documents ↩

If the insured goes missing during a foreign trip, Compensa's Alarm Centre organises a search by specialist rescue services and covers the costs of the search and any immediate first aid rendered by those services; falls within the assistance sum insured.

Jeśli podczas podróży zagranicznej ubezpieczony zaginie, Centrum Alarmowe zorganizuje poszukiwania przez wyspecjalizowane służby ratownictwa i pokryje koszty tej akcji oraz koszty pierwszej pomocy medycznej udzielonej przez te służby.

[71] Legal assistance: Not established from the insurer's documents ↩

As part of the assistance services, Compensa's Alarm Centre can organise a lawyer and translator for civil liability matters abroad and pays their fees up to EUR 5,000 above the assistance sum insured. Does not cover criminal liability, business/professional activities, or issues relating to the insured's own vehicle.

Jeżeli ubezpieczony będzie potrzebował pomocy prawnej z zakresu odpowiedzialności cywilnej według prawa w państwie, w którym jest w podróży zagranicznej... do 5 000 euro ponad sumę ubezpieczenia usług assistance.

[72] Emergency medical treatment: Not established from the insurer's documents ↩

Emergency outpatient and inpatient treatment organised and paid directly by Compensa's Alarm Centre; covers visits to doctors, medically-necessary diagnostic tests, and emergency interventions; included within the overall medical expenses sum insured.

Za pośrednictwem Centrum Alarmowego COMPENSA zapewnia organizację i pokrywa koszty wizyty u lekarza oraz zleconych przez lekarza badań diagnostycznych niezbędnych do oceny skutków zachorowania.

[73] Hospitalization: Not established from the insurer's documents ↩

Hospital stay, surgical operations, anaesthesia and related inpatient procedures covered within the overall medical expenses sum insured; no separate sub-limit stated for hospitalization alone.

Za pośrednictwem Centrum Alarmowego COMPENSA zapewnia organizację i pokrycie kosztów leczenia szpitalnego, a także operacji, o ile z medycznego punktu widzenia będą one niezbędne.

[74] Outpatient treatment: Not established from the insurer's documents ↩

Compensa's Alarm Centre organises and pays for outpatient doctor visits and medically necessary diagnostic tests ordered by a doctor; costs fall within the overall medical expenses sum insured; if the insured self-organises, costs are reimbursed.

Jeżeli ubezpieczony sam sobie zorganizuje wizytę lekarską lub zalecone zabiegi lub badania, to COMPENSA zwróci mu poniesione koszty.

[75] Medical evacuation: Not established from the insurer's documents ↩

When medically necessary, Compensa's Alarm Centre organises and pays for transport of the insured to a hospital or home address in Poland or country of permanent residence; the cost of this transport does not reduce the medical expenses sum insured; falls within the assistance sum insured.

Jeżeli w związku z chorobą lub nieszczęśliwym wypadkiem z medycznego punktu widzenia zaistnieje konieczność transportu ubezpieczonego do szpitala bądź miejsca jego zamieszkania w Polsce lub w kraju jego stałego pobytu, to za pośrednictwem Centrum Alarmowego COMPENSA zapewni organizację i pokryje koszty tego transportu.

[76] Repatriation of remains: Not established from the insurer's documents ↩

In the event of the insured's death during foreign travel, Compensa's Alarm Centre organises and pays for transport of the remains to Poland (or country of permanent residence up to the Poland equivalent cost). Where funeral or cremation takes place abroad, costs of the funeral/cremation plus urn and transport are covered; falls within the assistance sum insured and does not reduce medical expenses sum.

W przypadku śmierci ubezpieczonego podczas podróży zagranicznej Centrum Alarmowe zorganizuje i opłaci transport zwłok do Polski lub do kraju stałego pobytu.

[77] Pre existing conditions: Not established from the insurer's documents ↩

An acute exacerbation of a pre-existing chronic condition is covered within the standard medical expenses sum insured (per the definition of 'choroba/zachorowanie' which explicitly includes sudden exacerbation of existing chronic disease). However, ongoing planned treatment of chronic conditions that was the purpose of the trip is excluded. Coverage is conditional on the event being a sudden, unplanned exacerbation.

Za chorobę uznajemy także nagły stan zaostrzenia się istniejącej choroby przewlekłej.

[78] Winter sports cover: Not established from the insurer's documents ↩

Recreational skiing and snowboarding on designated pistes, ice skating on prepared rinks, and sledging are included in the standard scope (amatorskie uprawianie sportu) without additional premium. Off-piste skiing, heliskiing, snowkiting, and other extreme winter sports require the optional extreme sports extension.

W zakres amatorskiego uprawiania sportu wchodzą aktywności z rodzaju sportów zimowych i wodnych, do których zaliczamy: narciarstwo, snowboard i saneczkarstwo na wyznaczonych w tym celu trasach zjazdowych, łyżwiarstwo, hokej na przygotowanych w tym celu lodowiskach.

[79] Adventure sports cover: Not established from the insurer's documents ↩

Coverage for extreme and competitive sports (e.g. off-piste skiing, heliskiing, bungee, BASE jumping, deep diving beyond 18m, parkour, kitesurfing, mountain kayaking, rock climbing, rugby, American football, motorsports) is available as a paid add-on. Without this extension, accidents during extreme or competitive sport are excluded. The additional premium amount is determined at point of sale based on the trip details.

SPORTY EKSTREMALNE – podejmowanie przez ubezpieczonego aktywności fizycznych wymagających ponadprzeciętnych umiejętności lub działania w warunkach dużego ryzyka, często zagrażające zdrowiu i życiu.

[80] Pregnancy complications: Not established from the insurer's documents ↩

Costs are covered if a pregnancy-related emergency arises during travel (sudden illness), but costs arising from childbirth after the 32nd week of pregnancy, all post-natal care, and abortion (except where performed to save the insured's life) are expressly excluded. Coverage for complications before week 32 that constitute a sudden, unplanned medical emergency is conditional.

związanych z porodem, który nastąpił po 32. tygodniu ciąży, oraz wszelkimi kosztami związanymi z połogiem lub leczeniem i opieką nad matką i dzieckiem po odbytym porodzie... usuwania ciąży, niezwiązanej z ratowaniem życia.

[81] Medical expenses: PLN 25,000 – PLN 100,000 ↩

Covers necessary and documented costs of medical treatment incurred outside Poland due to sudden illness or accident during travel. Scope includes hospitalisation, surgical and outpatient procedures, doctor home visits, prescribed medications and dressings, emergency dental care (within sub-limit), and childbirth before 32 weeks of pregnancy. Basic variant: 25,000 PLN; Standard variant: 50,000 PLN; Luxury variant: 100,000 PLN.

[82] Medical transport: PLN 25,000 – PLN 100,000 ↩

Covers costs of transport from the accident site to the nearest medical facility, transport to another medical facility outside Poland per physician's recommendation, and transport to a medical facility or place of residence in Poland where continued hospitalisation is required. Covered under Standard and Luxury variants only, up to the medical expenses sum insured for the chosen variant. Transport costs are covered within the transport and repatriation module (§36-37 OWU), which requires that the medical expenses coverage is active.

[83] COVID-19 treatment: Conditional ↩

COVID-19 treatment costs may be covered if the illness constitutes a 'sudden illness' under the OWU definition (i.e. arises suddenly without causal link to prior illnesses, directly threatens health or life, and requires immediate medical care). However, the official product page explicitly excludes: costs of prophylactic COVID-19 tests not ordered by a physician; costs of quarantine and isolation; transport costs back to Poland if return is prevented by border closures or flight bans; and organisation or costs of transport of insured persons hospitalised or in quarantine/isolation due to COVID-19 until physician-confirmed recovery.

Pokrycia kosztów profilaktycznych testów na COVID-19 (nie zleconych i udokumentowanych przez lekarza); Pokrycia kosztów kwarantanny, izolatorium oraz kosztów współistniejących;

[84] Personal liability: PLN 25,000 – PLN 100,000 ↩

Civil liability of the insured for property damage and personal injury caused to third parties in connection with private life activities during travel is an optional extension available for all three variants upon payment of an additional premium (§5.5.2 and §47 OWU). Guarantee sum: Basic 25,000 PLN; Standard 50,000 PLN; Luxury 100,000 PLN. Excluded: damage caused to close relatives, damage arising from business or professional activities, pure financial losses, damage related to use of motor vehicles, and others per §48 OWU.

dodatkowo: następstwa nieszczęśliwego wypadku, odpowiedzialność cywilna w życiu prywatnym, bagaż, skipass, bezpieczne wypożyczenie, zwrot kosztów leczenia na terenie Rzeczpospolitej Polskiej po nieszczęśliwym wypadku, akty terroru lub wojny, zwrot kosztów zakwaterowania lub powrotu w przypadku upadłości biura podróży

[85] Emergency dental: €250 ↩

Emergency dental treatment is covered within the overall medical expenses sum insured, subject to a sub-limit of up to 250 EUR. Covers only acute inflammatory or painful conditions and cases necessitated by an accident, including only temporary filling of a tooth. Preventive dental procedures, root canal treatment, crown reconstruction, and periodontal treatment are excluded.

poddaniu się leczeniu stomatologicznemu wskutek ostrych stanów zapalnych oraz bólowych, jak również, jeśli jest ono niezbędne (np. w skutek Nieszczęśliwego Wypadku) – do 250 EURO;

[86] Search & rescue: PLN 15,000 ↩

Covers necessary and documented costs of search-and-rescue operations conducted outside Poland by specialised rescue services to save the life or health of the insured who suffered a sudden illness or accident during travel (§38 OWU). Available exclusively in the Luxury variant. Sum insured: 15,000 PLN (§39 OWU). Covers costs not already covered by medical expenses or transport and repatriation insurance.

[87] Legal assistance: Excluded ↩

A dedicated legal assistance product is not included in or available as an extension of the eVoyage travel policy. The Luxury assistance module includes a bail bond loan of up to 5,000 PLN equivalent (§44.4.8 OWU) and translator assistance by phone in emergency situations (§44.4.7 OWU), but these do not constitute legal assistance coverage.

[88] Emergency medical treatment: PLN 25,000 – PLN 100,000 ↩

Emergency medical treatment is included within the overall medical expenses coverage. Covers hospitalisation (minimum 24 hours), outpatient and surgical procedures, and doctor visits to accommodation. Covered across all three variants up to the medical expenses sum insured (Basic: 25,000 PLN; Standard: 50,000 PLN; Luxury: 100,000 PLN).

[89] Hospitalization: PLN 25,000 – PLN 100,000 ↩

Hospitalisation (inpatient stay of at least 24 consecutive hours) is explicitly listed as a covered cost under the medical expenses section (§32.2.1 OWU). Covered within the overall medical expenses sum: Basic 25,000 PLN; Standard 50,000 PLN; Luxury 100,000 PLN.

[90] Outpatient treatment: PLN 25,000 – PLN 100,000 ↩

Outpatient procedures, surgical procedures, and diagnostic tests are covered within the medical expenses sum (§32.2.2 OWU). Covered across all three variants up to the respective medical expenses sum insured (Basic: 25,000 PLN; Standard: 50,000 PLN; Luxury: 100,000 PLN).

[91] Medical evacuation: PLN 50,000 – PLN 100,000 ↩

Medical evacuation (transport of the insured to a medical facility or place of residence in Poland) is covered under the transport and repatriation module (§36.2.3 OWU), available in Standard (up to 50,000 PLN) and Luxury (up to 100,000 PLN) variants only. Requires physician's written recommendation and prior consultation with the insurer's representative. Limit equals the medical expenses sum insured for the chosen variant (§37 OWU).

[92] Repatriation of remains: PLN 50,000 – PLN 100,000 ↩

If the insured dies during travel outside Poland due to an accident or sudden illness, the insurer covers costs of transporting the remains to the place of burial in Poland, or costs of funeral/cremation outside Poland (§36.3 OWU). Available in Standard and Luxury variants only, within the transport and repatriation module. Limit equals the medical expenses sum insured for the chosen variant (Standard: 50,000 PLN; Luxury: 100,000 PLN).

[93] Pre existing conditions: Excluded ↩

Pre-existing conditions (illnesses whose first symptoms, diagnosis, or medical confirmation occurred before the start of the insurer's liability) and chronic conditions (long-term illnesses lasting months or years, diagnosed or treated before the trip) are explicitly excluded from coverage (§6.4.20 and §6.4.21 OWU). However, the official product page notes that a person with a diagnosed chronic condition who travels abroad may receive assistance if the need for medical care is the result of a sudden illness, not planned treatment.

[94] Winter sports cover: Optional ↩

Winter sports are excluded from the standard policy. An optional extension covering damages resulting from amateur winter sports (skiing, snowkite, snowboarding, sledding, ice skating) is available for all three variants upon payment of an additional premium (§5.6.2 and §6.5.2 OWU). The extension does not cover high-risk sports (e.g. heliskiing, freeskiing, ski jumping) or competitive/professional sports participation.

[95] Adventure sports cover: Excluded ↩

Extreme and high-risk sports ("sporty wysokiego ryzyka") are explicitly excluded from all variants of the policy (§6.4.22 OWU). This includes mountaineering, rock and ice climbing, alpinism, canyoning, B.A.S.E. jumping, whitewater kayaking, motor sports, freediving, bungee jumping, paragliding, hang gliding, motocross, combat sports, and many others listed in §4.1.29 OWU. Amateur qualifying sports ("turystyka kwalifikowana") on marked trails are not considered extreme sports.

Compensa nie odpowiada za uprawianie sportów ekstremalnych, wyczynowego lub zawodowego uprawiania sportu, sportów zimowych, wykonywanie pracy fizycznej

[96] Pregnancy complications: Conditional ↩

Childbirth occurring before 32 weeks of pregnancy is covered under the medical expenses section, with compensation paid jointly for the mother and child up to the sum insured (§32.2.6 OWU). Childbirth from 32 weeks onwards is excluded (§33.1.4 OWU). Elective termination of pregnancy is excluded unless performed to save the life or health of the insured. Complications of pregnancy and childbirth are not covered as consequences of accidents under the NNW module (§41.1.2 OWU).

[97] Medical expenses: PLN 200,000 – PLN 900,000 ↩

Covers all reasonable costs medically necessary outside Poland for hospitalization, emergency transport services, surgical procedures, diagnostic procedures or treatment performed or prescribed by a physician, including hospital stay fees, and emergency repatriation costs. Basic tier: up to 200,000 PLN; Optimum tier: up to 500,000 PLN; VIP tier: up to 900,000 PLN. Coverage applies to trips abroad only.

kosztów medycznych – z tytułu wszystkich zasadnych kosztów, których poniesienie poza Polską jest niezbędne z medycznego punktu widzenia na pobyt w szpitalu, usługi transportu ratunkowego, zabiegi chirurgiczne i inne procedury diagnostyczne lub leczenie, wykonane lub przepisane przez lekarza

[98] Medical transport: PLN 200,000 – PLN 900,000 ↩

Covers reasonable costs of emergency transport services (ambulance, air ambulance, or road ambulance) as part of the medical expenses and repatriation section. Costs are shared within the overall medical expenses limit: Basic 200,000 PLN, Optimum 500,000 PLN, VIP 900,000 PLN. Also covers travel costs for a companion/escort when medically necessary (215 PLN per day up to 2,150 PLN, or return ticket, up to 10 days, same across all tiers).

na pobyt w szpitalu, usługi transportu ratunkowego, zabiegi chirurgiczne i inne procedury diagnostyczne lub leczenie, wykonane lub przepisane przez lekarza, z uwzględnieniem opłat za pobyt w szpitalu

[99] COVID-19 treatment: PLN 200,000 – PLN 900,000 ↩

COVID-19 is not named in the OWU; it is treated like any other illness under Section 1 (Medical expenses and repatriation), subject to the pre-existing condition exclusions. Limits are shared with the overall medical expenses limit: Basic 200,000 PLN, Optimum 500,000 PLN, VIP 900,000 PLN. Travel to destinations with a Ministry of Foreign Affairs 'do not travel' advisory remains excluded.

Jeżeli zgłosisz na podstawie niniejszych Ogólnych warunków ubezpieczenia ważne roszczenie o zwrot kosztów medycznych i roszczenie to zostanie obniżone w związku z korzystaniem przez Ciebie z EKUZ

[100] Personal liability: PLN 100,000 – PLN 500,000 ↩

Covers all amounts the insured is legally obligated to pay as compensation for accidental bodily injury (including death or illness) to another person or accidental loss/damage to property, occurring during the insurance period as a result of travel. Basic tier: up to 100,000 PLN; Optimum tier: up to 200,000 PLN; VIP tier: up to 500,000 PLN. Legal costs and expenses are additionally covered. Claims arising in the USA, Canada or their territories are excluded.

Zapewniamy Ci ochronę ubezpieczeniową do wysokości sumy ubezpieczenia określonej w Tabeli świadczeń w odniesieniu do wszystkich sum, które będziesz zobowiązany w świetle prawa zapłacić tytułem odszkodowań za: 1. przypadkowe uszkodzenie ciała (w tym śmierć lub chorobę) innej osoby; 2. przypadkową utratę lub uszkodzenie mienia

[101] Emergency dental: PLN 1,000 ↩

Covers all medically necessary and reasonable costs of emergency dental treatment incurred outside Poland solely for pain relief. Limit is 1,000 PLN across all tiers (Basic, Optimum, VIP). No deductible applies to this benefit.

leczenia stomatologiczne w nagłych wypadkach – z tytułu wszelkich niezbędnych z medycznego punktu widzenia i uzasadnionych kosztów leczenia stomatologicznego w nagłych wypadkach, poniesionych poza Polską wyłącznie w celu uśmierzenia bólu.

[102] Search & rescue: See details ↩

Search and rescue costs are not explicitly covered as a standalone benefit in this policy. The OWU/IPID do not mention a separate search and rescue section or limit.

[103] Legal assistance: PLN 10,000 – PLN 40,000 ↩

Covers legal costs arising from a claim where the insured sustains bodily injury or illness abroad due to the actions of a third party. Basic tier: up to 10,000 PLN; Optimum tier: up to 20,000 PLN; VIP tier: up to 40,000 PLN. Legal costs must be pre-approved in writing by Chubb. Claims must be filed within 12 months of the insured event. Claims against tour operators, travel agencies or the insurer itself are excluded.

Jeśli podczas podróży doznasz obrażeń ciała lub zachorujesz w wyniku działania osób trzecich, wypłacimy kwotę do wysokości określonej w Tabeli świadczeń na pokrycie kosztów prawnych wynikających z każdego roszczenia.

[104] Emergency medical treatment: PLN 200,000 – PLN 900,000 ↩

Included within the medical expenses and repatriation section (Section 1 of the OWU). Covers all reasonable costs medically necessary outside Poland for emergency treatment including surgery, diagnostic procedures, and hospitalization, performed or prescribed by a physician. Basic: up to 200,000 PLN; Optimum: up to 500,000 PLN; VIP: up to 900,000 PLN. Treatment costs incurred in Poland are excluded.

kosztów medycznych – z tytułu wszystkich zasadnych kosztów, których poniesienie poza Polską jest niezbędne z medycznego punktu widzenia na pobyt w szpitalu, usługi transportu ratunkowego, zabiegi chirurgiczne i inne procedury diagnostyczne lub leczenie

[105] Hospitalization: PLN 2,000 ↩

A daily cash benefit of 50 PLN per full day of hospitalization, up to a maximum of 2,000 PLN, payable when the insured is admitted to hospital abroad due to injury or illness giving rise to a valid claim under Section 1 (medical expenses and repatriation). Not available in the Basic tier (no coverage); available in Optimum and VIP tiers. Coverage applies to trips abroad only.

wypłacimy kwotę świadczenia określoną w Tabeli świadczeń za każdą pełną dobę, przez którą będziesz pozostawać w szpitalu, do maksymalnej wysokości określonej w Tabeli świadczeń.

[106] Outpatient treatment: PLN 200,000 – PLN 900,000 ↩

Outpatient treatment is covered within the medical expenses section (Section 1). Covers medically necessary outpatient consultations, diagnostic tests and prescribed treatment performed or ordered by a physician outside Poland. Limits are shared with the overall medical expenses limit: Basic 200,000 PLN, Optimum 500,000 PLN, VIP 900,000 PLN. Treatments that can be postponed until return to Poland are excluded.

Zabiegi chirurgiczne, leczenia lub działania profilaktyczne, które w opinii leczącego Cię lekarza mogą być przełożone do czasu, aż wrócisz do Polski.

[107] Medical evacuation: PLN 200,000 – PLN 900,000 ↩

Covers all reasonable costs medically necessary for Chubb Assistance to transport the insured back to Poland or to a more appropriate hospital in Poland. Organized and authorized by Chubb Assistance using regular transport connections or air/road ambulance services. Costs shared within the overall medical expenses limit: Basic 200,000 PLN, Optimum 500,000 PLN, VIP 900,000 PLN. Additional travel and hotel costs may only be incurred with prior consent of Chubb Assistance.

kosztów repatriacji w nagłych wypadkach – z tytułu wszystkich uzasadnionych kosztów, których poniesienie przez Chubb Assistance jest niezbędne z medycznego punktu widzenia w celu przewiezienia Cię do domu w Polsce, lub do przewiezienia Cię do bardziej odpowiedniego szpitala w Polsce

[108] Repatriation of remains: PLN 21,500 ↩

Covers costs of cremation in the country of death or transport of remains/ashes to Poland in the event of the insured's death abroad. Limit: 21,500 PLN across all tiers (Basic, Optimum, VIP). No deductible applies. Cremation or burial costs in Poland are excluded.

opłat za kremację lub transport w przypadku, gdy umrzesz za granicą, z tytułu: i) opłat za kremację w kraju, w którym umrzesz; lub ii) opłat transportowych za przewiezienie Twoich zwłok lub prochów do Polski

[109] Pre existing conditions: Excluded ↩

Pre-existing conditions are excluded. Specifically excluded are: (A) any illness diagnosed, treated, or requiring hospitalization/outpatient treatment in the 5 years before trip booking (or start of insurance period if later); (B) any pre-existing illness being treated by regular prescription medication at the date of booking; (C) any heart disease or cancer of any kind diagnosed at any time before booking. There is no waiver option for pre-existing conditions under this product.

występującej uprzednio choroby, która została zdiagnozowana, była leczona lub wymagała hospitalizacji chorego lub jego leczenia ambulatoryjnego w okresie 5 lat przed dokonaniem rezerwacji Twojej podróży

[110] Winter sports cover: Optional ↩

Winter sports coverage is available as a paid add-on extension (Rozszerzenie o sporty zimowe), confirmed in the insurance certificate. When purchased, it extends the covered activities list to include skiing, snowboarding, glacier skiing, cross-country skiing, kite snowboarding, langlauf, ski touring, speed skating, snowblading, sledding, snow scooter/Ski-Doo. For annual multi-trip policies, winter sports travel may not exceed 21 days total per insurance period. Trips whose main purpose is winter sports are not covered without this extension.

Jeżeli, wykupiłeś rozszerzenie ochrony ubezpieczeniowej o sporty zimowe, co potwierdzone jest w certyfikacie ubezpieczeniowym oraz pod warunkiem, że nie będziesz brał udziału w zawodach, turniejach oraz innej formie rywalizacji

[111] Adventure sports cover: Conditional ↩

A specified list of recreational sports and leisure activities is automatically covered (see OWU pages 11–13 for the full list), including hiking up to 1,000m a.s.l., scuba diving to 18m with qualified instructor, surfing, sailing on inland/coastal waters, cycling (excluding BMX and mountain biking), and many others. Activities NOT on the list are excluded. Professional or paid sports participation is excluded. Activities whose primary purpose is sport are excluded (unless the winter sports extension was purchased and applies). Extreme or high-risk activities not listed are not covered.

Ubezpieczenie obejmuje Cię automatycznie w trakcie uczestnictwa podczas podróży w dowolnych formach wypoczynku lub rekreacyjnego uprawiania sportów wymienionych w niniejszym rozdziale

[112] Pregnancy complications: PLN 200,000 – PLN 900,000 ↩

Pregnancy complications are covered under Section 1 (medical expenses and repatriation) subject to two conditions: (1) the insured must be travelling between weeks 28 and 35 of pregnancy; (2) the insured must have obtained written confirmation from a physician of fitness to travel no earlier than 5 days before departure abroad. Complications of which the insured was aware at the start of the trip are excluded. Limits shared with the overall medical expenses limit: Basic 200,000 PLN, Optimum 500,000 PLN, VIP 900,000 PLN.

zachorujesz (w tym doświadczysz powikłań ciąży zdiagnozowanych przez lekarza lub specjalistę z zakresu położnictwa, z zastrzeżeniem, że będziesz podróżować pomiędzy 28 a 35 tygodniem ciąży oraz że uzyskasz pisemne potwierdzenie od lekarza o zdolności do odbycia podróży nie wcześniej niż na 5 dni przed rozpoczęciem podróży za granicę)

[113] Medical expenses: €50,000 – €10,000,000 ↩

Covers necessary medical treatment costs incurred abroad due to sudden illness or accident during the trip. Silver variant: 50,000 EUR; Gold variant: 200,000 EUR; Platinum variant: 10,000,000 EUR. Includes outpatient procedures, doctor consultations, hospitalisation, purchase of prescribed medicines, and emergency dental treatment.

Koszty leczenia i assistance 50 000 200 000 10 000 000

[114] Medical transport: Unlimited ↩

Covers transport from the site of accident or sudden illness to the nearest hospital or healthcare facility, transport between hospitals or healthcare facilities on doctor's orders, and transport to place of accommodation after medical assistance. Stated as 'bez limitu' (unlimited) – the insurer covers actual costs up to the amount corresponding to the costs of organising such transport by the Assistance Centre.

transport z miejsca nieszczęśliwego wypadku lub nagłego zachorowania do najbliższego szpitala lub placówki ochrony zdrowia, zaakceptowany przez Centrum Assistance

[115] COVID-19 treatment: €50,000 – €10,000,000 ↩

Coverage for medical treatment costs in case of COVID-19 illness is included in the standard scope of all three variants. Medical transport and repatriation of remains in case of COVID-19 are also covered. Additionally, a quarantine benefit covers necessary extra accommodation, food, transfer to airport and return transport costs if the insured is forced to extend their stay due to COVID-19 infection confirmed by positive test, or compulsory quarantine imposed by local health authorities.

pokrycie kosztów leczenia w przypadku zachorowania na COVID-19; świadczenie na wypadek kwarantanny

[116] Personal liability: €100,000 – €500,000 ↩

Covers private-life civil liability (not related to business or gainful activity) for bodily injury and property damage caused to third parties by a wrongful act. Also covers liability for persons and animals for which the insured is responsible. Bodily injury sub-limit: Silver 100,000 EUR / Gold 200,000 EUR / Platinum 500,000 EUR. Property damage sub-limit: Silver 10,000 EUR / Gold 20,000 EUR / Platinum 50,000 EUR. Includes amateur sports events; winter and extreme sports events only if those optional extensions are purchased.

Przedmiotem ubezpieczenia jest odpowiedzialność cywilna w życiu prywatnym (niezwiązana z Twoją działalnością gospodarczą lub zarobkową) za szkody na osobie i na mieniu

[117] Emergency dental: €500 – €1,000 ↩

Covers dental treatment in cases of acute pain or inflammation requiring immediate medical assistance, or when treatment was necessary due to an accident. Silver: 500 EUR; Gold: 700 EUR; Platinum: 1,000 EUR. Covered within the overall medical expenses and assistance sum.

Leczenie stomatologiczne w przypadku ostrych stanów bólowych 500 700 1 000

[118] Search & rescue: €50,000 – €10,000,000 ↩

Covers costs of search and rescue in mountains and at sea when the insured's situation requires it as a result of an accident or sudden illness. Includes search by specialist rescue services, emergency medical assistance at the site, and transport from the accident site to the nearest required medical point using specialist means such as sleds, helicopter, toboggan or motorboat. Covered up to the medical expenses and assistance sum.

Pokryjemy koszty poszukiwania i ratownictwa w górach i na morzu, w przypadku gdy w wyniku nieszczęśliwego wypadku lub nagłego zachorowania znajdziesz się w sytuacji wymagającej takiej usługi.

[119] Legal assistance: €3,000 – €10,000 ↩

Covers costs of legal assistance (lawyer's fees, necessary translation costs and court proceedings costs) if the insured is accused of violating criminal or misdemeanour law abroad, or suffered personal or property damage from a third party's wrongful acts and is seeking compensation. Silver: 3,000 EUR; Gold: 5,000 EUR; Platinum: 10,000 EUR. Does not cover matters relating to the insured's business activities, vehicle ownership/operation, disputes with travel companions or insurer, or contractual liability.

Opłacimy koszty pomocy prawnej, tj. honorarium prawnika, koszty niezbędnych tłumaczeń oraz koszty postępowania sądowego

[120] Emergency medical treatment: €50,000 – €10,000,000 ↩

Covers costs of treatment that must be administered immediately due to sudden illness or accident. Treatment is covered to the extent necessary to restore the insured's health to a condition enabling return or transport to Poland or country of permanent residence. Included within the overall medical expenses and assistance sum.

Przedmiotem ubezpieczenia są koszty leczenia, któremu musiałeś poddać się niezwłocznie w związku z nagłym zachorowaniem lub nieszczęśliwym wypadkiem, które miały miejsce w okresie ubezpieczenia podczas Twojej podróży.

[121] Hospitalization: €50,000 – €10,000,000 ↩

Covers hospitalisation costs including treatment, diagnostic tests and operations that could not be postponed until return to Poland. Assistance Centre selects the appropriate hospital, makes reservations and organises transport to and from hospital. Covered within the overall medical expenses and assistance sum across all three tiers.

pobyt w szpitalu, tj. leczenie, badania, zabiegi i operacje, których przeprowadzenia nie można było, ze względu na Twój stan zdrowia, odłożyć do czasu powrotu do Polski lub kraju stałego zamieszkania

[122] Outpatient treatment: €50,000 – €10,000,000 ↩

Covers outpatient examinations and procedures recommended by a doctor, doctor consultations and fees, and doctor home-call to place of accommodation. Covered within the overall medical expenses and assistance sum across all three tiers.

badania i zabiegi ambulatoryjne zalecone przez lekarza; konsultacje i honoraria lekarskie; dojazd lekarza z najbliższej placówki ochrony zdrowia do miejsca Twojego zakwaterowania

[123] Medical evacuation: Unlimited ↩

Covers organisation and costs of transport to a healthcare facility or place of residence in Poland or country of permanent residence when the insured's health condition requires it, including in cases of COVID-19. The Assistance Centre in consultation with the treating doctor decides on necessity and destination. Stated as 'bez limitu' (unlimited) – actual costs up to the amount the Assistance Centre would incur to organise such transport to Poland. Cost does not reduce the medical expenses and assistance sum.

Zapewniamy organizację i pokrycie kosztów Twojego transportu do placówki ochrony zdrowia lub miejsca zamieszkania na terenie Polski lub kraju stałego zamieszkania, o ile wymaga tego Twój stan zdrowia

[124] Repatriation of remains: Unlimited ↩

Covers organisation and costs of transporting mortal remains to the place of burial in Poland or country of permanent residence in the event of death caused by sudden illness or accident during the trip, including COVID-19. Stated as 'bez limitu' – actual costs up to the amount the Assistance Centre would incur. Also covers transport coffin purchase up to the equivalent of 1,500 EUR. Cost does not reduce the medical expenses and assistance sum.

W przypadku gdy umrzesz w trakcie podróży zagranicznej, a śmierć nastąpi w wyniku nieszczęśliwego wypadku lub nagłego zachorowania, w porozumieniu z Twoją rodziną zorganizujemy wszelkie formalności oraz pokryjemy koszty

[125] Pre existing conditions: €50,000 – €500,000 ↩

Medical treatment costs resulting from a sudden acute exacerbation of a chronic disease (including cancer) requiring immediate medical assistance before the end of the foreign trip are covered within the standard medical expenses sum, subject to tier-specific sub-limits. Silver: 50,000 EUR; Gold: 200,000 EUR; Platinum: 500,000 EUR. Coverage does not apply if there were medical contraindications to travel before departure. A chronic disease is defined as one that was diagnosed, treated or showed symptoms in the 24 months preceding the insurance contract date.

Koszty leczenia wynikające z zaostrzenia choroby przewlekłej 50 000 200 000 500 000

[126] Winter sports cover: Optional ↩

Optional extension available for additional premium. Extends coverage to events occurring during winter sports activities (as defined in OWU Article 4 point 2, including alpine skiing, snowboarding, ski touring on marked trails, biathlon, ski jumping, etc.). Extends medical expenses and assistance, personal accident, and personal liability. Also includes: ski lift pass refund (up to 250 EUR), closed ski run benefit (20 EUR/day, max 200 EUR), ski equipment hire refund (20 EUR/day, max 200 EUR). Available for all tiers.

Włączenie do ubezpieczenia ochrony z tytułu uprawiania sportów zimowych powoduje jej rozszerzenie o zdarzenia mające miejsce w trakcie uprawiania sportów zimowych, zgodnie z ich definicją w OWU.

[127] Adventure sports cover: Optional ↩

Optional extension available for additional premium. Extends coverage to events occurring during extreme sports (as defined in OWU Article 4 point 3, including mountaineering, BASE jumping, bungee jumping, canyoning, freeride, rafting, freediving, parachuting, etc.). Extends medical expenses and assistance, personal accident, and personal liability. Available for all tiers.

Włączenie do ubezpieczenia ochrony z tytułu uprawiania sportów ekstremalnych powoduje jej rozszerzenie o zdarzenia mające miejsce w trakcie uprawiania sportów ekstremalnych, zgodnie z ich definicją w OWU.

[128] Pregnancy complications: €50,000 – €10,000,000 ↩

Immediate medical assistance related to complications arising from pregnancy and associated transport to a medical facility are covered within the medical expenses sum. Premature birth up to and including week 32 of pregnancy is also covered (benefit paid for both mother and child up to the insured sum). Coverage does not apply to birth occurring after week 32 of pregnancy, or to termination of pregnancy except when performed to save the life or health of the mother.

udzielenie natychmiastowej pomocy lekarskiej związanej z komplikacjami wynikającymi z ciąży, jak również związany z tym transport do placówki medycznej; przedwczesny poród, który nastąpił nie później niż w 32. tygodniu ciąży

[129] Medical expenses: €20,000 – €500,000 ↩

Covers all medically necessary costs of treating illness or accident consequences during foreign travel, including hospitalisation, surgical operations, outpatient diagnostics and procedures (including chronic disease exacerbation), medications, auxiliary aids (up to PLN 2,000), convalescence, continuation of treatment after return to Poland (up to PLN 5,000 within 6 months), tropical disease treatment after return (up to PLN 15,000 within 30 days of policy expiry), and telephone medical consultations. Sum insured selectable from EUR 20,000 to EUR 500,000.

[130] Medical transport: €20,000 – €500,000 ↩

Covers transport from the site of illness or accident to the nearest medical facility, between medical facilities, and return transport from a medical facility to the insured's place of stay during foreign travel, within the assistance sum insured. Transport costs do not reduce the medical expenses sum insured.

[131] COVID-19 treatment: €20,000 – €500,000 ↩

Compensa explicitly covers medically necessary treatment costs incurred during foreign travel due to infectious viral diseases such as Covid-19 or SARS, within the selected medical expenses sum insured (EUR 20,000–500,000). This is stated as a specific inclusion in Clause 1 §1 section 4 of the OWU.

[132] Personal liability: €25,000 – €250,000 ↩

Optional add-on clause covering civil tort liability for personal injury and property damage caused to third parties during foreign travel in the course of private life activities. Sum insured selectable from EUR 25,000 to EUR 250,000 (including return of impounded deposit for rented car, e-bike, scooter, moped, or motorcycle). Extension for professional placement/traineeship/volunteering available within selected sum. Extension for waiver of excess/deductible for rented car (not older than 10 years, GVW up to 3.5t, up to 9 seats) available up to PLN 7,000 for an additional premium. Base free limit for rental car excess return is PLN 750.

[133] Emergency dental: €500 ↩

Covers costs of immediate dental care for acute pain or inflammation not caused by tooth decay, up to EUR 500 within the selected medical expenses sum insured. Prophylactic and prosthetic dental treatment (including implant replacement) is explicitly excluded.

[134] Search & rescue: €20,000 – €500,000 ↩

If the insured goes missing during foreign travel, the Alarm Centre organises a search by specialised rescue services and covers the costs of the search operation and first medical aid provided by those services. Costs covered within the assistance sum insured (EUR 20,000–500,000).

[135] Legal assistance: €5,000 ↩

Included in the base assistance scope. If the insured needs legal assistance regarding civil liability under the law of the country of travel, Compensa organises and pays for a lawyer and translator to handle explanatory proceedings on the insured's behalf. Covers attorney and translator fees up to EUR 5,000 above the assistance sum insured. Excluded: criminal liability, business/professional activity, vehicle ownership/driving.

[136] Emergency medical treatment: €20,000 – €500,000 ↩

Compensa organises and covers costs of hospitalisation and surgical operations, as well as outpatient diagnostic visits and physician-ordered tests, that are medically necessary due to illness (including chronic disease exacerbation) or accident during foreign travel. Covered up to the selected medical expenses sum insured (EUR 20,000–500,000). Also explicitly covers infectious viral diseases such as Covid-19 and SARS.

[137] Hospitalization: €20,000 – €500,000 ↩

Covers costs of hospitalisation and surgical operations medically necessary due to illness (including chronic disease exacerbation) or accident during foreign travel, within the selected sum insured (EUR 20,000–500,000). Includes decompression chamber costs. Separate sub-benefit: companion stay and travel costs up to EUR 200/day for up to 7 days if hospitalisation lasts at least 7 days (adults only).

[138] Outpatient treatment: €20,000 – €500,000 ↩

Covers costs of outpatient physician visits and physician-ordered diagnostic tests medically necessary due to illness or accident during foreign travel, including chronic disease exacerbation, within the selected sum insured (EUR 20,000–500,000). If the insured self-organises, costs are reimbursed.

[139] Medical evacuation: €20,000 – €500,000 ↩

When medically necessary, Compensa organises and covers transport of the insured from abroad to hospital or place of residence in Poland or country of permanent residence, using a mode of transport appropriate to the insured's health condition per physician instructions. Prior consent of the Alarm Centre is required. Cost is capped at the amount the Alarm Centre would incur if organising the transport itself, up to the assistance sum insured.

[140] Repatriation of remains: €20,000 – €500,000 ↩

In the event of death during foreign travel, Compensa organises and pays for transport of the remains to Poland or country of permanent residence. If the funeral or cremation takes place abroad, only those costs (plus urn purchase and transport) are covered. Transport costs do not reduce the medical expenses sum insured. Capped at the amount the Alarm Centre would incur, up to the assistance sum insured.

[141] Pre existing conditions: €20,000 – €500,000 ↩

Acute exacerbation of a chronic disease (diagnosed before the contract was concluded) is explicitly covered as a 'disease' under the OWU definition and within the medical expenses and assistance sums insured, without an additional premium. Coverage applies to hospitalisation, outpatient treatment, and diagnostics related to a chronic disease exacerbation during foreign travel. Planned treatment that was the purpose of the trip is excluded, as are mental illness, congenital defects, venereal diseases, and HIV-related conditions.

[142] Winter sports cover: Covered ↩

Amateur winter sports (skiing, snowboarding, sledging on designated slopes, ice skating, ice hockey on rinks, etc.) are included in the base product without additional premium. In addition, the assistance scope includes refund of unused ski pass or sports school fees (up to EUR 250 above the assistance sum insured) if the insured cannot use them due to illness or accident.

[143] Adventure sports cover: Optional ↩

Extreme sports (abseiling, alpinism, BASE jumping, downhill MTB, heli-skiing, parkour, rugby, American football, skydiving, etc.) and competitive sports participation are excluded from the base product. Coverage can be extended by paying an additional premium for extreme sports or for competitive sports participation. Without this extension, claims arising from extreme or competitive sports are not covered.

[144] Pregnancy complications: Conditional ↩

Costs related to childbirth occurring after the 32nd week of pregnancy and all costs related to postnatal care of mother and child (regardless of week) are explicitly excluded. Complications of pregnancy that require emergency medical treatment before the 32nd week of pregnancy are not explicitly excluded and may be covered under the general illness provisions, subject to general policy conditions.

[145] Medical expenses: PLN 50,000 – PLN 200,000 ↩

Covers necessary documented medical costs abroad arising from sudden illness or accident: outpatient examinations and diagnostic procedures, medical consultations, prescribed medications and dressings, and hospitalization. Sum insured: 50,000 PLN (Standard), 100,000 PLN (Optimal), 200,000 PLN (Comprehensive). Assistance costs are paid from within the same KL sum.

[146] Medical transport: 100% of insured sum ↩

Covers organization and costs of medical transport: (a) from the accident/illness location to the nearest hospital or medical facility; (b) between medical facilities if the current one does not provide adequate care; (c) from hospital to the insured's place of stay. Available in all three variants within the KL sum insured (50,000/100,000/200,000 PLN).

a) transporcie Ubezpieczonego z miejsca nieszczęśliwego wypadku lub nagłego zachorowania do najbliższego szpitala lub placówki służby zdrowia

[147] COVID-19 treatment: Covered ↩

The official product page explicitly states that coverage includes emergency assistance in the event of an accident or sudden illness even during a pandemic declaration. Specific COVID-19 limits are not separately stated; coverage falls within the general KL sum insured of the chosen variant.

Pomoże Ci uniknąć wysokich kosztów leczenia za granicą oraz zapewni szybką pomoc w przypadku nieszczęśliwego wypadku lub nagłego zachorowania również w sytuacji ogłoszenia pandemii.

[148] Personal liability: PLN 100,000 – PLN 200,000 ↩

Covers civil liability of the insured toward third parties for personal injury or property damage caused by unlawful acts during foreign travel (in private life activities, care of children/disabled persons, bicycle use, pedestrian road accidents, pet ownership). Guarantee sum: 100,000 PLN (Optimal), 200,000 PLN (Comprehensive). Not available in Standard variant.

[149] Emergency dental: PLN 500 – PLN 1,000 ↩

Covers emergency dental treatment in cases of acute inflammatory or pain conditions. Limit: 500 PLN (Optimal), 1,000 PLN (Comprehensive). Not available in Standard variant. Costs reduce the KL sum insured.

[150] Search & rescue: PLN 15,000 – PLN 30,000 ↩

Covers documented costs of rescue and search operations conducted by specialist services to save the insured's life or health following sudden illness or accident abroad. Limit: 15,000 PLN (Optimal), 30,000 PLN (Comprehensive). Not available in Standard variant. Costs reduce the KL sum insured.

[151] Legal assistance: Excluded ↩

No standalone legal assistance benefit is provided. Legal representation costs during civil liability proceedings are covered within the OC sum guaranty (Optimal and Comprehensive variants only). Translator assistance during police/court proceedings is covered within Auto Assistance (optional add-on). No separate legal assistance product line exists.

3) pokrycia kosztów wynajęcia profesjonalnego pełnomocnika reprezentującego w trakcie procesu interesy Ubezpieczonego.

[152] Emergency medical treatment: 100% of insured sum ↩

Emergency medical treatment is covered within the medical expenses (KL) sum insured across all three variants (50,000/100,000/200,000 PLN). Includes emergency outpatient treatment, diagnostics, consultations, medications, and hospitalization resulting from sudden illness or accident abroad.

1. Badania i zabiegi ambulatoryjne i diagnostyczne zlecone przez lekarza

[153] Hospitalization: 100% of insured sum ↩

Covers the costs of hospitalization (inpatient stay exceeding 24 hours) directly resulting from sudden illness or accident abroad. Covered within the KL sum insured: 50,000 PLN (Standard), 100,000 PLN (Optimal), 200,000 PLN (Comprehensive). Covers treatment, procedures, and operations that could not be postponed until return.

4. Pobyt i leczenie w szpitalu

[154] Outpatient treatment: 100% of insured sum ↩

Covers outpatient examinations, diagnostic procedures ordered by a physician, and medical consultations (including doctor's travel to the insured's accommodation if medically required). Covered within the KL sum: 50,000 PLN (Standard), 100,000 PLN (Optimal), 200,000 PLN (Comprehensive).

1) badań i zabiegów ambulatoryjnych oraz diagnostycznych, 2) konsultacji lekarskich wraz z dojazdem lekarza z najbliższej placówki służby zdrowia do miejsca zakwaterowania Ubezpieczonego, w przypadku, gdy wymaga tego jego stan zdrowia

[155] Medical evacuation: 100% of insured sum ↩

Covers organization and costs of transporting the insured back to Poland or their country of residence (or the nearest medical facility where treatment can continue), when medically required by the attending physician. Available in all three variants within the KL sum insured (50,000/100,000/200,000 PLN).

w przypadku nagłego zachorowania lub nieszczęśliwego wypadku Ubezpieczonego podczas podróży zagranicznej, Ubezpieczyciel organizuje i pokrywa udokumentowane koszty transportu, o ile, zgodnie z zaleceniem lekarza prowadzącego leczenie po ww. wypadku lub zachorowaniu, transportu takiego wymaga stan zdrowia Ubezpieczonego

[156] Repatriation of remains: 100% of insured sum ↩

If the insured dies abroad as a result of accident or sudden illness, the insurer covers costs of transporting remains to the burial place in Poland or costs of burial abroad (including required coffin). Available in all three variants within the KL sum insured (50,000/100,000/200,000 PLN).

jeżeli Ubezpieczony zmarł podczas podróży zagranicznej na skutek nieszczęśliwego wypadku lub nagłego zachorowania, Ubezpieczyciel pokrywa udokumentowane koszty transportu zwłok Ubezpieczonego do miejsca pochówku w RP lub koszty pochówku za granicą.

[157] Pre existing conditions: Optional ↩

By default, the policy does not cover conditions diagnosed before the contract was concluded. For an additional premium, coverage can be extended to include consequences of chronic diseases (including conditions such as cardiovascular disease, diabetes, lipid disorders). This extension is available in all three variants (Standard, Optimal, Comprehensive). Without this extension, stroke and myocardial infarction are only covered if the insured had no prior diagnosis of cardiovascular disease, diabetes or lipid disorders.

Ubezpieczyciel nie ponosi odpowiedzialności z tytułu chorób oraz ich następstw, które zostały zdiagnozowane u Ubezpieczonego przed zawarciem umowy ubezpieczenia, za wyjątkiem zdarzeń wynikających z zaostrzeń lub następstw chorób przewlekłych, pod warunkiem, że ochrona ubezpieczeniowa została rozszerzona o następstwa chorób przewlekłych.

[158] Winter sports cover: Optional ↩

Available as a paid add-on in the Optimal and Comprehensive variants only (not available in Standard). Covers medical costs and accident consequences arising from amateur winter sports activities (recreational, not competitive). The extension also includes coverage of sports equipment (up to 4,000 PLN). Amateur summer sports are included as standard in all variants at no extra cost.

[159] Adventure sports cover: Optional ↩

Available as a paid add-on in the Optimal and Comprehensive variants only. Covers medical costs and accident consequences arising from high-risk sports (including motor sports, air sports, water sports such as scuba diving and rafting, combat sports, alpinism, bungee jumping, etc.) and also includes amateur winter sports coverage. The extension includes sports equipment coverage (up to 4,000 PLN). Not available in Standard variant.

[160] Pregnancy complications: Conditional ↩

Pregnancy complications are covered only up to the end of the 19th week of pregnancy. Complications occurring from the 20th week of pregnancy are explicitly excluded. Childbirth occurring after the 20th week of pregnancy is excluded. Routine pregnancy monitoring and planned treatment are also excluded. Emergency treatment within the covered period falls within the KL sum insured.

6) powikłań ciąży występujących od 20. tygodnia ciąży, 7) porodu, który nastąpił po 20. tygodniu ciąży.

[161] Medical expenses: PLN 200,000 – PLN 3,000,000 ↩

Covers necessary and immediate medical assistance including hospitalisation and outpatient treatment, dental treatment (up to 2,000 PLN), medical consultations, physician-prescribed medications and orthopaedic/dressing materials, repair or purchase of glasses and prostheses after an accident (up to 2,000 PLN), and 24/7 Emergency Call Centre support. Wariant I: 200,000 PLN; Wariant II: 500,000 PLN; Wariant III: 3,000,000 PLN. Transport costs (to/from medical facility, home repatriation) are excluded from the sum-reduction rule.

Ubezpieczenie Pomoc Medyczna i Koszty Leczenia ü suma ubezpieczenia 200 000 zł ü suma ubezpieczenia 500 000 zł ü suma ubezpieczenia 3 000 000 zł

[162] Medical transport: Not established from the insurer's documents ↩

Covers transport from the scene of the event to the nearest or designated medical facility, transport between medical facilities abroad if required by the insured's condition, return transport home if required by the insured's condition and return was not possible by the planned means of transport, and return transport for unaccompanied minors or dependent persons. Transport costs are not deducted from the medical expenses sum. Covered in all three variants within the overall medical sum limits.

a) transport z miejsca zdarzenia do najbliższej placówki medycznej lub wskazanej przez Centrum Alarmowe;

[163] COVID-19 treatment: Not established from the insurer's documents ↩

Sudden illness caused by COVID-19 (SARS-CoV-2 and its mutations) is covered as a regular illness within the medical expenses sum. Additionally, mandatory quarantine ordered by a physician or sanitary-epidemiological services is covered under the Podróż Assistance benefit: hotel accommodation with meals and return transport up to 10,000 PLN in all three variants. Quarantine mandatorily imposed by local authorities on travellers crossing borders of destination or transit countries is excluded.

Ubezpieczenie Pomoc Medyczna i Koszty Leczenia oraz Ubezpieczenie Podróż Assistance obejmuje organizację i pokrycie niezbędnych kosztów udzielenia natychmiastowej pomocy za pośrednictwem Centrum Alarmowego w przypadku nagłego zachorowania, nieszczęśliwego wypadku lub obowiązkowej kwarantanny w czasie podróży

[164] Personal liability: Not established from the insurer's documents ↩

Covers civil liability of the insured and their minor children for bodily injury or property damage caused to third parties during private life activities while travelling. Also covers: damage arising from ownership/use of accommodation (including rented), flooding damage, liability arising from supervision of minors, damage caused during recreational sports, liability for pets, and hire car excess up to 2,000 PLN in all variants. Wariant III additionally covers sports instructor professional liability (sub-limit 100,000 PLN). Sum: Wariant I 200,000 PLN; Wariant II 500,000 PLN; Wariant III 1,000,000 PLN.

Ubezpieczenie Odpowiedzialność Cywilna obejmuje odpowiedzialność cywilną Ubezpieczonego: 1) za szkody powstałe w mieniu lub na osobie w podróży Ubezpieczonego, wyrządzone osobom trzecim w związku z wykonywaniem czynności życia prywatnego;

[165] Emergency dental: Not established from the insurer's documents ↩

Emergency dental treatment is covered up to 2,000 PLN as part of the medical assistance benefit. Routine, non-emergency dental diagnostics and treatment are excluded. Available in all three variants within this sub-limit.

b) leczenie stomatologiczne (do 2000 zł);

[166] Search & rescue: Not established from the insurer's documents ↩

Covers searches conducted by specialist rescue services, on-site medical assistance at the scene, and transport (including air or sea) from the scene to the nearest medical facility, within the overall medical expenses sum. Applies to mountain rescue, sea rescue and other rescue operations. Covered in all three variants.

a) poszukiwania prowadzone przez wyspecjalizowane służby ratownictwa;

[167] Legal assistance: Not established from the insurer's documents ↩

Organisation and coverage of legal advice costs, legal representation, interpreter fees and bail intermediation when the insured enters into conflict with the law of a foreign country during travel. Available exclusively in Wariant III (limit 10,000 PLN). Not available in Wariant I or Wariant II. Legal assistance related to work or professional activity performed by the insured is excluded.

Pomoc prawna Organizacja i pokrycie kosztów porady prawnej, zastępstwa procesowego i tłumacza oraz zapewnienie pośrednictwa w przekazaniu kaucji, w przypadku gdy Ubezpieczony, przebywając poza granicami Polski lub kraju zamieszkania, wejdzie w konflikt z prawem państwa, na którego terytorium przebywał.

[168] Emergency medical treatment: Not established from the insurer's documents ↩

Emergency treatment (hospitalisation, surgical procedures, outpatient procedures) that cannot be deferred until the insured's return to Poland is covered within the overall medical sum. The Emergency Call Centre organises and arranges cashless payment with the hospital. Covered in all three variants within the medical expenses sum: Wariant I 200,000 PLN; Wariant II 500,000 PLN; Wariant III 3,000,000 PLN.

w szpitalu, w postaci leczenia, zabiegów i operacji, których przeprowadzenia nie można było odłożyć do czasu powrotu do Polski lub kraju zamieszkania ze względu na stan zdrowia Ubezpieczonego.

[169] Hospitalization: Not established from the insurer's documents ↩

Hospitalisation costs are covered within the overall medical expenses sum (Wariant I: 200,000 PLN; Wariant II: 500,000 PLN; Wariant III: 3,000,000 PLN). No separate sub-limit. The Emergency Call Centre selects the hospital appropriate to the insured's condition and arranges transport.

w szpitalu, w postaci leczenia, zabiegów i operacji, których przeprowadzenia nie można było odłożyć do czasu powrotu do Polski lub kraju zamieszkania ze względu na stan zdrowia Ubezpieczonego.

[170] Outpatient treatment: Not established from the insurer's documents ↩

Outpatient examination and treatment costs including tests, procedures, physician-prescribed medications (excluding vitamins, supplements and cosmetic creams) are covered within the overall medical expenses sum. No separate sub-limit. Wariant I: 200,000 PLN; Wariant II: 500,000 PLN; Wariant III: 3,000,000 PLN.

w zakresie badań i zabiegów ambulatoryjnych, lekarstw (z wyjątkiem witamin, środków wzmacniających, odżywek, maści i kremów upiększających), środków ortopedycznych i pomocniczych, płynów infuzyjnych oraz środków opatrunkowych, zaleconych i przepisanych przez lekarza prowadzącego.

[171] Medical evacuation: Not established from the insurer's documents ↩

Medical evacuation including air or sea transport from the scene to the nearest medical facility is organised and covered by the Emergency Call Centre within the overall medical expenses sum. The Call Centre decides on the mode, timing and possibility of transport based on the insured's medical condition. Covered in all three variants.

c) transport, także powietrzny lub morski, z miejsca zdarzenia do najbliższej placówki medycznej

[172] Repatriation of remains: Not established from the insurer's documents ↩

In the event of the insured's death, cremation and transport of the body or ashes to the country of residence, or a funeral abroad, is covered regardless of cause of death, within the overall medical expenses sum. Covered in all three variants.

w razie śmierci Ubezpieczonego – kremacja, przewóz zwłok lub urny z prochami do kraju zamieszkania lub pogrzeb za granicą – bez względu na przyczynę;

[173] Pre existing conditions: Not established from the insurer's documents ↩

Certain diagnosed chronic diseases and metabolic disorders are automatically covered without additional premium, provided the insured remains under medical supervision and follows the treating physician's recommendations: allergy, bronchial asthma, all types of diabetes, depression, discopathy, insulin resistance, atherosclerosis, hyperthyroidism, hypothyroidism, hypertension, obesity. All other chronic conditions require the optional 'Choroby przewlekłe' extension (paid add-on) to be covered. If the insured is found not to have followed their physician's recommendations after assistance is provided, ERGO Hestia reserves the right to reclaim the costs of services rendered.

Wyłączenie wskazane w ust. 5 pkt 4) nie dotyczy Ubezpieczenia Pomoc Medyczna i Koszty Leczenia oraz Ubezpieczenia Podróż Assistance w zakresie zdarzeń będących następstwem zdiagnozowanych chorób oraz zaburzeń metabolicznych: alergii, astmy oskrzelowej, cukrzycy wszystkich typów, depresji, dyskopatii, insulinooporności, miażdżycy, nadczynności tarczycy, niedoczynności tarczycy, nadciśnienia, otyłości, o ile Ubezpieczony pozostawał pod opieką lekarza i stosował się do zaleceń lekarza prowadzącego.

[174] Winter sports cover: Not established from the insurer's documents ↩

Skiing and snowboarding on marked slopes are classified as 'ryzykowne' (risky) disciplines and require the optional 'Sport' extension for an additional premium. Off-piste skiing and snowboarding (freeride) are classified as 'ekstremalne' (extreme) and require the 'Sport wyczynowy' extension. Standard policy covers recreational sports only. The extensions cover consequences of accidents during the respective disciplines across all three variants.

narciarstwo po oznakowanych trasach nurkowanie do 30 m narciarstwo poza oznakowanymi trasami (freeride) nurkowanie do 40 m

[175] Adventure sports cover: Not established from the insurer's documents ↩

Two optional extensions are available: (1) 'Sport' extension covers risky disciplines such as kitesurfing, horse riding, cross-country cycling, diving to 30 m, trekking to 5,300 m a.s.l., and many others. (2) 'Sport wyczynowy' extension covers extreme disciplines such as base jumping, boxing, canyoning, diving to 40 m, off-piste skiing/snowboarding, parachuting, MMA-excluded martial arts, expeditions to jungles/deserts/glaciers/poles, and high-altitude mountaineering to 5,300 m a.s.l. Both extensions are available as add-ons for all three variants.

kajakarstwo kitesurfing kolarstwo cross-country kolarstwo przełajowe kolarstwo torowe kolarstwo szosowe (wyścigi) kolarstwo BMX kulturystyka

[176] Pregnancy complications: Not established from the insurer's documents ↩

Childbirth is excluded from coverage unless it occurs before the 32nd week of pregnancy, in which case it is treated as an emergency medical event and covered within the medical expenses sum. Termination of pregnancy is excluded unless performed to save the life or health of the insured and legally permitted in the country where performed. Routine pregnancy treatment is not covered.

5) porodu, chyba że nastąpił przed 32 tygodniem ciąży; 6) przerwania ciąży, o ile nie zostało ono wykonane w celu ratowania życia albo zdrowia Ubezpieczonej i jeżeli przeprowadzenie zabiegu dopuszczone jest przez prawo państwa, na którego terytorium zabieg jest dokonany;

[177] Baggage: PLN 1,000 – PLN 10,000 ↩

Covers loss, destruction or damage of baggage worldwide during the insured's trip, including items carried inside the vehicle or in external racks, in the circumstances listed in the OWU (direct custody, robbery, burglary, left in locked accommodation or vehicle, entrusted to a carrier or left-luggage office). Sum insured: 1,000 PLN (Wariant I), 5,000 PLN (Wariant II), 10,000 PLN (Wariant III).

Ubezpieczenie Bagaż ü suma ubezpieczenia 1000 zł ü suma ubezpieczenia 5000 zł ü suma ubezpieczenia 10 000 zł

[178] Personal accident: PLN 10,000 – PLN 60,000 ↩

Covers consequences of accidents suffered by the insured during travel. Pays 200% of the sum insured on death and a percentage of the sum insured per percent of permanent impairment (200% of the sum at 100% impairment). Rehabilitation in Poland is covered only in Wariant III (limit 10,000 PLN). Sum insured: 10,000 PLN (Wariant I), 30,000 PLN (Wariant II), 60,000 PLN (Wariant III).

Ubezpieczenie Następstw Nieszczęśliwych Wypadków ü suma ubezpieczenia 10 000 zł ü suma ubezpieczenia 30 000 zł ü suma ubezpieczenia 60 000 zł

[179] Medical expenses: PLN 150,000 – PLN 500,000 ↩

Coverage for medical costs and return transport abroad up to PLN 500,000. Sum insured varies by variant: Weekend = 150,000 PLN, Wakacje = 250,000 PLN, Dłuższe Wakacje = 300,000 PLN, Dowolny Wyjazd = 500,000 PLN, Roczny = 500,000 PLN. Within each variant the same amount applies across medical expenses, hospitalization, and transport.

[180] Medical transport: PLN 150,000 – PLN 500,000 ↩

Organisation and coverage of medical transport to hospital abroad and return transport to Poland. Limit equals the general sum insured within each variant: Weekend = 150,000 PLN, Wakacje = 250,000 PLN, Dłuższe Wakacje = 300,000 PLN, Dowolny Wyjazd = 500,000 PLN, Roczny = 500,000 PLN.

[181] COVID-19 treatment: Covered ↩

COVID-19 treatment is not explicitly confirmed or excluded in the available Pomoc w Podróży sources. General sudden-illness cover may apply; refer to the OWU for confirmation.

[182] Personal liability: Optional ↩

Personal liability (OC) is available as an optional extension to the base policy. Not included in the base product. Specific limits not confirmed in available Pomoc w Podróży sources.

[183] Emergency dental: Covered ↩

Emergency dental treatment is listed as a covered cost component within the overall medical expenses sum insured. Specific dental sub-limit not confirmed in available sources.

[184] Search & rescue: Covered ↩

Mountain and sea rescue or search operations are listed as a covered assistance service. Specific monetary limit not confirmed in the reviewed sources.

[185] Legal assistance: Covered ↩

All variants include access to a legal advisor and interpreter abroad. Specific monetary limit not confirmed in the reviewed sources.

[186] Emergency medical treatment: PLN 150,000 – PLN 500,000 ↩

Organisation and coverage of emergency medical treatment costs abroad in the event of sudden illness or accident, up to the sum insured for the selected variant (150,000–500,000 PLN).

[187] Hospitalization: PLN 150,000 – PLN 500,000 ↩

Coverage of hospitalization costs abroad. Within each variant the hospitalization limit equals the general sum insured: Weekend = 150,000 PLN, Wakacje = 250,000 PLN, Dłuższe Wakacje = 300,000 PLN, Dowolny Wyjazd = 500,000 PLN, Roczny = 500,000 PLN.

[188] Outpatient treatment: Covered ↩

Coverage of outpatient doctor visits, medication purchases, and ambulatory procedures abroad in the event of sudden illness or accident. Specific sub-limit not disclosed in available sources; covered within the overall medical expenses sum insured.

[189] Medical evacuation: PLN 150,000 – PLN 500,000 ↩

Organisation and coverage of medical evacuation and transport of the insured back to Poland or country of residence, up to the sum insured of the selected variant (150,000–500,000 PLN).

[190] Repatriation of remains: Covered ↩

Repatriation of remains is implied by the general assistance scope (transport of the insured to Poland). Specific sub-limit and explicit confirmation not available in the reviewed sources.

[191] Pre existing conditions: Optional ↩

Coverage for exacerbation of chronic/pre-existing conditions is available as an optional extension to the base Pomoc w Podróży policy. The base product covers only sudden illness and accidents; chronic conditions require an add-on. Specific limit not confirmed in available sources.

[192] Winter sports cover: Conditional ↩

All variants of Pomoc w Podróży include an extension covering recreational sports (including winter sports such as skiing and snowboarding). Coverage applies in all five variants.

[193] Adventure sports cover: Optional ↩

Coverage for high-risk and extreme sports is available as an optional extension. Not included in the base product. Specific details and limits not confirmed in available Pomoc w Podróży sources.

[194] Pregnancy complications: Covered ↩

Childbirth and pregnancy-related medical costs are listed as a covered component within the overall medical expenses sum insured. Specific sub-limit or gestational age restrictions not confirmed in reviewed sources.

[195] Medical expenses: PLN 5,000,000 ↩

Covers medical expenses up to 5,000,000 PLN per insured person per insured event for acute illness, exacerbation of chronic disease, or accident occurring during international travel after crossing the Polish border. Covered costs include: outpatient procedures ordered by a doctor, medical consultations, medications and dressings, orthopedic aids, hospitalization where deferral is not possible, physician house calls, isolation facility stay for WHO-declared pandemic diseases, physician fees. Includes COVID-19 treatment. The sum insured is stated in the insurance document. Coverage applies exclusively outside Poland and outside the insured country of residence.

Generali ponosi odpowiedzialność maksymalnie do wysokości sumy ubezpieczenia, ustalonej w dokumencie ubezpieczenia, z uwzględnieniem zapisów OWU.

[196] Medical transport: Covered ↩

Transport of the insured from the scene of an accident, sudden illness or chronic disease exacerbation to the nearest hospital or medical facility (including specialist mountain, sea or ocean rescue services if the insured location is known) is covered. Transport from a medical facility to the accommodation abroad after treatment is reimbursed up to EUR 200. The cost of this transport does not reduce the medical expenses sum insured, but is capped at a separate sum insured for transport of the insured stated on the policy.

Koszt transportu Ubezpieczonego nie pomniejsza sumy ubezpieczenia określonej dla zakresu kosztów leczenia i assistance i pokrywany jest maksymalnie do wysokości sumy ubezpieczenia określonej dla usługi transport Ubezpieczonego określonej na polisie.

[197] COVID-19 treatment: Covered ↩

COVID-19 is covered as an acute illness within the standard medical expenses coverage (up to 5,000,000 PLN). Additionally if isolation in a facility is required and organized by state medical services and confirmed by a diagnostic test for a WHO-declared pandemic disease, the isolation facility stay is covered if the pre-booked accommodation cannot be used or the reservation expires during quarantine.

pobyt w izolatorium, jeśli jest zalecony i zorganizowany przez służby medyczne danego Państwa, w przypadku nagłego zachorowania potwierdzonego testem diagnostycznym na jednostkę chorobową zaliczaną w czasie podróży zagranicznej do chorób pandemicznych przez Światową Organizację Zdrowia (WHO)

[198] Personal liability: Optional ↩

Civil liability coverage for personal injury and property damage caused to third parties during travel in the course of private-life activities is available as an optional paid add-on. Covers liability from: care of minor children, care of pets, use of tourist accommodation, everyday activities, use of non-motorized vehicles and e-scooters, model aircraft and drones up to 1 kg, small watercraft for personal use. Also covers necessary expert fees up to 20% of sum insured and court defense costs. The sum insured is per person as stated in the insurance document. Excluded: contractual liability, damage to family members, intentional damage, motorized vehicles, professional or commercial activities, MMA and professional sports.

Przedmiotem ubezpieczenia jest odpowiedzialność cywilna Ubezpieczonego za szkody osobowe i szkody rzeczowe wyrządzone czynem niedozwolonym osobom trzecim podczas podróży krajowej albo zagranicznej w związku z wykonywaniem czynności życia prywatnego, do naprawienia których Ubezpieczony zobowiązany jest w myśl przepisów prawa.

[199] Emergency dental: €200 ↩

Dental treatment for acute pain or inflammatory conditions is covered up to EUR 200 in total for all illnesses requiring immediate medical care arising during the insurance period. Elective dental treatment and prosthetics are excluded.

leczenie stomatologiczne w przypadku ostrych stanów bólowych i zapalnych do równowartości 200 EUR dla wszystkich zachorowań wymagających udzielenia natychmiastowej pomocy lekarskiej, zaistniałych w okresie ochrony ubezpieczeniowej;

[200] Search & rescue: Covered ↩

Generali covers the costs of search operations and rescue operations in mountains, at sea or in the ocean up to the assistance sum insured stated in the insurance document. Search is defined as the period from receipt of the missing-person report by specialized rescue services until the insured is found or rescue services decide to end the search. Rescue is defined as first-aid rendered from discovery until handover to medical services. Kidnapping-related costs are not covered.

Centrum pomocy Generali pokrywa koszty poszukiwania i ratownictwa w górach, na morzu lub na oceanie do sumy ubezpieczenia usług assistance określonej w dokumencie ubezpieczenia.

[201] Legal assistance: €1,200 ↩

If the insured becomes involved in a legal conflict abroad, the Assistance Center organizes and pays for an attorney and interpreter provided the charges relate exclusively to civil liability under the law of the country concerned. Legal assistance up to EUR 1,200 total for all events during the insurance period. Excluded: business or professional activities, employment abroad, ownership or use of a motor vehicle. Additionally bail payment up to EUR 1,200 may be advanced if the insured is detained; the insured must repay within 7 days of return no later than 45 days of the advance.

W przypadku, gdy Ubezpieczony popadł w konflikt z wymiarem sprawiedliwości w kraju, w którym się znajduje, Centrum Pomocy Generali zorganizuje i opłaci honorarium adwokata i tłumacza... Pomoc prawna jest udzielana do równowartości 1 200 EUR dla wszystkich zdarzeń zaistniałych w czasie okresu ochrony ubezpieczeniowej.

[202] Emergency medical treatment: Covered ↩

Emergency treatment is covered within the overall medical expenses sum insured (up to 5,000,000 PLN). Includes emergency outpatient consultations, ambulatory procedures, medications ordered by a physician, and physician house calls to the insured accommodation when required. No separate sub-limit; shares the medical expenses sum insured.

[203] Hospitalization: Covered ↩

Hospitalization abroad is covered within the overall medical expenses sum insured (up to 5,000,000 PLN). Covers hospital stay including treatment, diagnostics, surgery where deferral to Poland is not possible given the insured health condition. The Assistance Center selects the hospital, reserves a bed, arranges transport and settles costs directly with the hospital. No separate sub-limit; shares the medical expenses sum insured.

pobyt w szpitalu tj. leczenie, badania, zabiegi i operacje, których przeprowadzenia nie można było, ze względu na stan zdrowia Ubezpieczonego, odłożyć do czasu powrotu na terytorium Rzeczypospolitej Polskiej albo kraju zamieszkania Ubezpieczonego

[204] Outpatient treatment: Covered ↩

Outpatient treatment abroad is covered within the overall medical expenses sum insured. Includes ambulatory procedures ordered by a physician, medical consultations, physician house calls, medications, dressings and orthopedic aids prescribed by a physician, and follow-up visits (suture or cast removal or dressing change within 30 days of the first post-accident visit; follow-ups after sudden illness or chronic disease exacerbation if recommended by the treating physician and approved by the Assistance Center doctor). No separate sub-limit; shares the medical expenses sum insured.

badania i zabiegi ambulatoryjne zalecone przez lekarza; konsultacje lekarskie;

[205] Medical evacuation: Covered ↩

Generali organizes and covers the cost of medical transport of the insured to a medical facility or place of residence in Poland or country of residence if required by health condition or if the pre-planned transport cannot be used. The transport means is selected by the Assistance Center physicians in consultation with the treating physician. The cost does not reduce the medical expenses sum insured, but is capped at a separate sum insured for transport of the insured stated on the policy.

Koszt transportu Ubezpieczonego nie pomniejsza sumy ubezpieczenia określonej dla zakresu kosztów leczenia i assistance i pokrywany jest maksymalnie do wysokości sumy ubezpieczenia określonej dla usługi transport Ubezpieczonego określonej na polisie.

[206] Repatriation of remains: Covered ↩

In the event of the insured death during international travel regardless of cause, Generali organizes all formalities and covers transport of the remains to the place of burial in Poland or country of residence. Also covers cremation and urn transport or burial abroad up to the cost of transporting remains to Poland. Additionally covers cost of a transport coffin up to EUR 1,000. The transport cost does not reduce the medical expenses sum insured, but is capped at a separate sum insured for transport of the insured stated on the policy.

Koszt transportu Ubezpieczonego nie pomniejsza sumy ubezpieczenia określonej dla zakresu kosztów leczenia i assistance i pokrywany jest maksymalnie do wysokości sumy ubezpieczenia określonej dla usługi transport Ubezpieczonego określonej na polisie.

[207] Pre existing conditions: 100% of insured sum ↩

Acute exacerbation of a chronic disease is covered up to 100% of the medical expenses sum insured. A chronic disease is defined as one diagnosed, treated or showing symptoms in the 24 months preceding the policy inception date. Coverage activates only if the exacerbation occurs suddenly after crossing the Polish or country-of-residence border, requires immediate medical assistance and necessitates treatment before the end of the trip. General routine treatment of chronic diseases without acute exacerbation is excluded. Travel undertaken despite existing medical contraindications is excluded entirely.

zaostrzenie choroby przewlekłej – zaistniałe w okresie ubezpieczenia, powstałe w sposób nagły, po przekroczeniu granicy Rzeczpospolitej Polskiej lub kraju zamieszkania Ubezpieczonego, zaostrzenie lub powikłanie choroby przewlekłej, wymagające natychmiastowej pomocy lekarskiej, w związku z którym nastąpiła konieczność poddania się leczeniu przed zakończeniem podróży zagranicznej;

[208] Winter sports cover: Optional ↩

Coverage for winter sports must be purchased as a paid add-on. Defined as practicing all forms of skiing or snowboarding on marked trails in winter conditions. Without this extension events from winter sports are excluded from medical expenses, accident and liability coverage. When purchased it also unlocks additional assistance benefits: proportional ski pass refund up to PLN 800, ski closure compensation PLN 100 per day or up to PLN 700 transport and pass costs, proportional ski equipment rental refund up to PLN 700, and avalanche accommodation costs up to PLN 250 per day with PLN 500 total maximum.

sporty zimowe – uprawianie w warunkach zimowych wszelkich odmian narciarstwa lub snowboardingu na oznakowanych trasach;

[209] Adventure sports cover: Optional ↩

Coverage for high-risk sports must be purchased as a paid add-on. Defined as winter sports PLUS: mountain sports (off-piste skiing and snowboarding, heliskiing, downhill, speleology, bouldering, rock and ice climbing with safety equipment at 4,000-6,000 m if expedition not exceeding 6,000 m), aerial sports (hang gliding, powered hang gliding, paragliding, skydiving, gliding), motorized and motorized-water sports (quad, racing, motorboating), water sports (kitesurfing, water skiing, wakeboarding, scuba diving below 15 m, free diving, river rafting), street luge, bungee, parkour, combat sports excluding MMA, and expeditions to Antarctica or Greenland. MMA, professional sports and mountaineering above 6,000 m are ALWAYS excluded regardless of extension.

sporty wysokiego ryzyka – obejmuje uprawianie sportów zimowych oraz dodatkowo uprawianie sportów:

[210] Pregnancy complications: Conditional ↩

Pregnancy and its consequences are generally excluded. Exceptions covered: (1) premature birth before the 32nd week of pregnancy and associated care of mother and child up to EUR 2,000; (2) one medical visit for sudden deterioration of health related to pregnancy excluding childbirth itself and associated transport to a medical facility up to EUR 150. All other pregnancy-related costs including normal birth are excluded. Artificial insemination, infertility treatment and contraceptives are excluded.

poród, który nastąpi przed 32 tygodniem ciąży i związaną z nim opiekę nad matką i dzieckiem do równowartości 2 000 EUR; jedną wizytę lekarską związaną z nagłym pogorszeniem stanu zdrowia w związku z ciążą z wyłączeniem samego porodu i związany z tym transport do placówki medycznej, do równowartości 150 EUR;

[211] Medical expenses: Covered ↩

Mandatory and core coverage covering necessary and documented costs of treatment and transport arising during travel outside Poland or the country of permanent residence in connection with sudden illness or accident. Includes outpatient treatment, hospitalisation, prescribed medications, dental emergency (up to 250 EUR), glasses/prosthetics repair after accident (up to 200 EUR), medical transport, and repatriation. The insured sum is declared per policy and per insured person; Zone I (Europe/Mediterranean) and Zone II (worldwide) variants available. Sum applies per insured individually and is reduced by paid claims.

Suma ubezpieczenia kosztów leczenia oraz pomocy asisstance w podróży określona w umowie stanowi górną granicę odpowiedzialności INTER Polska za jedno i wszystkie zdarzenia objęte ochrona ubezpieczeniową z zastrzeżeniem limitów odpowiedzialności określonych w § 4 i 5 niniejszego OWU.

[212] Medical transport: Covered ↩

Covered within the medical expenses module up to the insured sum. Includes: transport from the scene of accident or sudden illness to the nearest medical facility; transport to another medical facility on written request of the treating physician; transport from medical facility to accommodation abroad; transport back to Poland or country of permanent residence (to medical facility or home address) if health condition allows and upon written recommendation of treating physician. Continuation of journey after hospitalisation also organised and covered.

[213] COVID-19 treatment: Excluded ↩

COVID-19 is not explicitly addressed in the OWU (OWU IT 68/2015, effective 31.12.2015). General exclusions in §4 ust.1 pkt 8 exclude epidemics or contaminations announced in mass media before the conclusion of the insurance contract. Therefore COVID-19 as a declared epidemic/pandemic would generally fall under this exclusion.

[214] Personal liability: Optional ↩

Optional extension available for an additional premium (§3 ust.2 pkt 3). Covers the insured's civil liability for personal injury or property damage caused to third parties during travel outside Poland and the country of permanent residence. The guarantee sum (suma gwarancyjna) is declared per policy. The liability limit for property damage is 20% of the guarantee sum (§16 ust.2). Also covers expert fees, court costs, and preventive action costs. Excludes: damage arising from business activity, professional liability, compulsory insurance systems, use of aircraft/watercraft (except rowing boats, kayaks, water bikes), contractual assumption of third-party liability, damage to close relatives, and damage to rented movable property.

Suma gwarancyjna określona w umowie ubezpieczenia stanowi górną granicę odpowiedzialności INTER Polska za jedno i wszystkie zdarzenia, podlegające ochronie ubezpieczeniowej, mające miejsce w okresie ubezpieczenia.

[215] Emergency dental: €250 ↩

Covered within the medical expenses module. Limited to treatment of acute inflammatory and pain conditions only, up to 250 EUR for one and all dental events occurring during the insurance period requiring immediate medical assistance. Excludes dental prosthetics, crowns, orthodontics, and technical medical devices.

[216] Search & rescue: €5,000 ↩

Covered within the Assistance module. If the insured goes missing during travel, INTER Polska covers the actual costs of search operations in mountains, on land and at sea conducted by specialised units (search costs) and the costs of emergency medical assistance (rescue costs), up to the equivalent of 5,000 EUR per one and all such events in the insurance period. Exclusions apply if the insured failed to follow safety rules, practised sports in unauthorised locations, or ignored pre-trip safety regulations.

[217] Legal assistance: €1,000 ↩

Covered within the Assistance module. If the insured comes into conflict with local law abroad and the charges relate exclusively to civil liability, Centrum Pomocy INTER Polska organises legal assistance and covers attorney fees up to 1,000 EUR. Not covered if the conflict arose from: conducting business or working abroad, driving or storing a motor vehicle, or committing or attempting to commit a crime. INTER Polska is not liable for the actions of the legal assistance provider.

[218] Emergency medical treatment: Covered ↩

Covered within the medical expenses module. Includes outpatient medical care (examinations and procedures ordered by a doctor), medical consultations including home visits arranged by Centrum Pomocy INTER Polska, hospitalisation including surgery that could not be postponed until return to Poland, and purchase of prescribed medications and dressings. Triggered by sudden illness (nagłe zachorowanie) or accident occurring abroad.

[219] Hospitalization: Covered ↩

Covered within the medical expenses module up to the insured sum. Includes hospital stay, treatment, procedures, and operations that could not be postponed until return to Poland or the country of permanent residence. The OWU defines hospitalisation as medical assistance for diagnosis and treatment in a hospital lasting at least 24 hours. Post-hospitalisation accommodation costs abroad also covered by Assistance (up to 200 EUR/day, up to insured sum).

[220] Outpatient treatment: Covered ↩

Covered within the medical expenses module. Includes examinations and procedures ordered by a doctor at a medical facility lasting less than 24 hours, as well as medical consultations with travel to the nearest health care facility arranged by Centrum Pomocy INTER Polska.

[221] Medical evacuation: Covered ↩

Covered within the medical expenses and assistance modules up to the insured sum. Transport back to Poland or country of permanent residence is organised and paid for by Centrum Pomocy INTER Polska when medically necessary (written recommendation of the treating physician required). The mode of transport is decided by the Assistance Centre doctor in consultation with the treating physician abroad. If the insured refuses a medically-approved transport, coverage ceases immediately.

[222] Repatriation of remains: Covered ↩

Covered within the medical expenses module up to the insured sum. Includes transport of the insured's mortal remains to the place of burial in Poland or country of permanent residence, or costs related to cremation or funeral abroad. Reimbursement for cremation or funeral abroad is limited to the equivalent of the cost of repatriation to Poland organised by Centrum Pomocy INTER Polska.

[223] Pre existing conditions: Optional ↩

By default excluded: exacerbations of chronic conditions for which the insured was treated during the two years prior to contract conclusion are not covered (§4 ust.3 pkt 2). Coverage of chronic condition exacerbations can be added for an additional premium (§4 ust.3 intro). Chronic disease is defined as a diagnosed condition of long-term course lasting at least 6 months, continually or periodically treated. Sudden illness (nagłe zachorowanie) triggered by a new condition unrelated to prior disease is covered by default.

[224] Winter sports cover: Optional ↩

Amateur recreational skiing on marked runs (narciarstwo zjazdowe po oznaczonych trasach), cross-country skiing (narciarstwo biegowe), and snowboard on marked runs are included in the definition of amateur sports (§2 pkt 2, as amended by Annex 1 effective 11.08.2016). However, amateur sports in general require an additional premium per §4 ust.3 pkt 1. Off-piste skiing and snowboarding constitute extreme sports (§2 pkt 27d) and are excluded unless explicitly extended.

[225] Adventure sports cover: Excluded ↩

Extreme sports are explicitly excluded under §4 ust.1 pkt 20 and §2 pkt 27. These include: rock/ice climbing, alpinism, Himalayism, speleology, bouldering, canyoning, trekking above 5,500 m a.s.l., mountain kayaking, rafting, hydrospeed, kitesurfing, diving below 15 m and freediving, ski jumps, ski alpinism, off-piste skiing/snowboarding, bungee jumping, parachuting, paragliding, motorised hang gliding, gliding, piloting aircraft/helicopters, extreme cycling/motorcycle/quad tracks, vehicle races/rallies, combat sports (MMA, UFC, K1, judo, karate, kick-boxing, Muay Thai, Krav Maga, Taekwondo), zorbing, and expeditions to polar zones, Alaska, Siberia, Kamchatka, northern Canada territories, and desert areas more than 20 km from the nearest city/settlement/road.

[226] Pregnancy complications: €250 ↩

Partially covered on specific conditions. Childbirth before the 32nd week of pregnancy and associated care for mother and child is covered up to the medical expenses insured sum (§5 ust.2 pkt 13). One medical visit per insurance period related to a sudden deterioration of health in connection with pregnancy (excluding childbirth itself) and related transport to a medical facility is covered up to the equivalent of 250 EUR (§5 ust.2 pkt 14). Childbirth from the 32nd week onwards and related care is excluded (§6 ust.1 pkt 2). Abortion is excluded unless to save the mother's life (§6 ust.1 pkt 3). Artificial fertilisation and infertility treatment are excluded (§6 ust.1 pkt 4).

[227] Medical expenses: PLN 50,000 – PLN 2,000,000 ↩

Covers necessary and documented costs of medical treatment, outpatient procedures, medications, doctor consultations, and hospitalization arising from sudden illness or accident during foreign travel, up to the chosen sum insured. From 17 June 2025, the maximum selectable sum insured was raised to 2,000,000 PLN.

Przede wszystkim ubezpieczyciel podniósł sumę ubezpieczenia kosztów leczenia i assistance – do aż 2 mln zł.

[228] Medical transport: PLN 50,000 – PLN 2,000,000 ↩

Link4 organizes and covers costs of transporting the insured from the site of the accident or sudden illness to the nearest hospital or medical facility, and transfer between medical facilities if the current one cannot provide adequate care. Transport is covered within the overall medical expenses sum insured.

transportu Ubezpieczonego z miejsca nieszczęśliwego wypadku lub nagłego zachorowania do najbliższego szpitala lub placówki służby zdrowia i transportu powrotnego do miejsca pobytu Ubezpieczonego,

[229] COVID-19 treatment: Conditional ↩

COVID-19 may be covered as a sudden illness if it meets the OWU definition of a sudden illness (unexpected, requiring immediate medical attention). However, if COVID-19 was declared an epidemic by the authorities of the destination country before the trip began, coverage may be excluded under general epidemic exclusions. No explicit separate COVID-19 coverage clause found in official sources.

[230] Personal liability: PLN 1,000,000 ↩

Optional coverage for civil liability of the insured towards third parties for damage caused by unlawful acts during foreign or domestic travel in the course of private activities. As of 17 June 2025, the maximum sum insured was raised to 1,000,000 PLN. A franchise integral of 500 PLN per event applies. Damage to property belonging to the insured or rented by the insured, damage caused to family members or to co-insured persons, and damages arising from professional activities are excluded.

podniesienie sumy gwarancyjnej w ubezpieczeniu OC w życiu prywatnym do 1 mln zł,

[231] Emergency dental: €150 ↩

Link4 covers emergency dental treatment in cases of acute pain or inflammation requiring immediate medical assistance, or when necessitated by an accident, up to a limit of 150 EUR per insurance period (covering all events during the period).

leczenia stomatologicznego w przypadku ostrych stanów bólowych lub zapalnych, wymagających udzielenia natychmiastowej pomocy lekarskiej lub gdy było ono niezbędne wskutek nieszczęśliwego wypadku, do wysokości 150 EUR

[232] Search & rescue: €6,000 ↩

The Alarm Centre covers costs of search and rescue of the insured by specialized mountain and water rescue units, up to 6,000 EUR.

poszukiwanie i ratownictwo – Centrum Alarmowe pokrywa koszty poszukiwań i ratownictwa Ubezpieczonego przez wyspecjalizowane jednostki ratownicze wodne i górskie w celu ratowania zdrowia lub życia Ubezpieczonego w górach i na akwenach wodnych – do wysokości 6.000 EUR,

[233] Legal assistance: €10,000 ↩

If the insured is detained by law enforcement abroad and bail is required, the Alarm Centre arranges transfer of the bail up to 10,000 EUR after first receiving the full amount from a person nominated by the insured. Additionally, the Alarm Centre covers interpreter fees up to 200 EUR if the insured comes into conflict with the law abroad and the alleged acts carry only civil liability.

Centrum Alarmowe przekazuje kaucję do maksymalnej wysokości 10.000 EUR, po uprzednim uzyskaniu pełnej kwoty od osoby wskazanej przez Ubezpieczonego,

[234] Emergency medical treatment: PLN 50,000 – PLN 2,000,000 ↩

Covered as part of the medical expenses (KL) insurance. Link4 covers costs of emergency outpatient procedures, laboratory tests, prescriptions, doctor consultations, and emergency hospital treatment that could not be postponed until return to Poland, up to the sum insured stated in the policy document.

Link4 organizuje świadczenia i pokrywa do wysokości odpowiedniej sumy ubezpieczenia udokumentowane koszty: 1) badań i zabiegów ambulatoryjnych,

[235] Hospitalization: PLN 50,000 – PLN 2,000,000 ↩

Link4 covers costs of hospitalization (treatment, procedures and operations) that could not be postponed until return to Poland, within the overall medical expenses sum insured. The Alarm Centre arranges the choice of hospital and settles costs directly.

hospitalizacji, tj. leczenia, zabiegów i operacji, których przeprowadzenia nie można było, ze względu na stan zdrowia Ubezpieczonego, odłożyć do czasu jego powrotu do RP. Koszty leczenia szpitalnego, zabiegów i operacji regulowane są przez Centrum Alarmowe,

[236] Outpatient treatment: PLN 50,000 – PLN 2,000,000 ↩

Covered as part of the medical expenses sum insured: outpatient diagnostic tests, outpatient procedures, infusions, and prescriptions for medications and wound dressings prescribed by a physician in connection with a sudden illness or accident.

badań i zabiegów ambulatoryjnych, zakupu lekarstw i środków opatrunkowych, niezbędnych środków pomocniczych (kule, temblak) przepisanych przez lekarza

[237] Medical evacuation: PLN 50,000 – PLN 2,000,000 ↩

Link4 organizes and covers transport of the insured back to Poland (to the nearest hospital to their place of residence where treatment can be continued, or to their place of residence), when required by the insured's health condition and confirmed by a written recommendation of the treating physician verified by the Alarm Centre. Available when the originally planned means of transport cannot be used.

transport Ubezpieczonego do RP do najbliższego miejscu zamieszkania szpitala, w którym leczenie może być kontynuowane, lub do miejsca zamieszkania, o ile w związku z nagłym zachorowaniem lub nieszczęśliwym wypadkiem wymaga tego stan zdrowia Ubezpieczonego

[238] Repatriation of remains: Covered ↩

Link4 organizes and covers the cost of transporting the remains of the insured to the place of burial in Poland in the event of death from a sudden illness or accident during foreign travel; if the insured is a foreign national, to Poland or another country indicated by the family, capped at the cost of transport to Warsaw. The Alarm Centre decides on the method of transport in consultation with the family.

transport zwłok Ubezpieczonego do miejsca pochówku w RP w przypadku zgonu Ubezpieczonego w wyniku nagłego zachorowania lub nieszczęśliwego wypadku ... W przypadku, gdy Ubezpieczony jest cudzoziemcem, Link4 organizuje i pokrywa koszty transportu zwłok do RP lub do innego kraju wskazanego przez osoby bliskie Ubezpieczonego, jednakże do wysokości nie wyższej niż koszt transportu i organizacji transportu zwłok Ubezpieczonego do stolicy RP (Warszawa)

[239] Pre existing conditions: 100% of insured sum ↩

From 17 June 2025, chronic disease coverage (deterioration due to exacerbation of a pre-existing chronic condition) is included in the standard policy at up to 100% of the medical expenses sum insured, without additional premium. A chronic disease is defined as any health disorder with one or more of: permanence, disability, irreversible pathological changes, need for special rehabilitation, or expected long-term supervision. Pre-existing conditions that are NOT chronic (i.e., diseases existing before the policy start but not meeting the chronic disease definition) remain excluded.

rozszerzenie ochrony o choroby przewlekłe – do 100% sumy ubezpieczenia kosztów leczenia i assistance w standardzie, bez dodatkowej składki,

[240] Winter sports cover: Optional ↩

Amateur winter sports (skiing, snowboarding, sledding, ice skating) are not covered under the standard policy. Coverage for amateur winter sports can be purchased as an optional paid extension. The extension also covers costs of unused ski passes and rented equipment in case of injury, compensation for closed ski slopes (up to 25 EUR/day or 150 EUR for an alternative resort), and accommodation costs in the event of an avalanche (up to 100 EUR).

Amatorskie uprawianie sportów zimowych Idealne dla miłośników narciarstwa i snowboardu. Ochroną objęte są również m.in.: zwrot niewykorzystanego karnetu i wypożyczonego sprzętu w razie kontuzji, rekompensata za zamknięcie tras narciarskich (do 25 euro za dzień lub do 150 euro za alternatywny ośrodek),

[241] Adventure sports cover: Optional ↩

Amateur participation in high-risk sports (as defined in the OWU: alpinism, rock climbing, ballooning, hang gliding, paragliding, gliding, piloting aircraft, rafting, cliff diving, white-water sports, technical diving, bungee jumping, skydiving, speleology, motorsports, combat sports, hunting, horse riding, bobsleigh, ski jumping, off-piste skiing, water skiing, kitesurfing*, heliskiing, heliboarding, mountainboarding, parkour, free run, B.A.S.E. jumping, downhill, streetluge, racing, and speed trials) is excluded from the standard policy. An optional paid extension must be purchased. *Kitesurfing was included in standard coverage from 17 June 2025.

sporty wysokiego ryzyka – alpinizm, wspinaczka wysokogórska, wspinaczka skałkowa, baloniarstwo, lotniarstwo, motolotniarstwo, paralotniarstwo, szybownictwo oraz pilotowanie jakichkolwiek statków powietrznych

[242] Pregnancy complications: €2,000 ↩

Link4 covers costs of childbirth occurring before the 32nd week of pregnancy and associated care for the mother and child, up to 2,000 EUR. Complications from the 32nd week onward, planned pregnancy management, termination of pregnancy (unless performed to save the insured's life or health), and fertility treatments are excluded.

porodu, który nastąpi przed 32 tygodniem ciąży i związanej z nim opieki nad matką i dzieckiem, maksymalnie do wysokości 2.000 EUR,

[243] Medical expenses: PLN 80,000 – PLN 300,000 ↩

Covers necessary and immediate medical assistance in case of sudden illness or accident during travel, including hospital and outpatient treatment, doctor visits, prescribed medications, orthopaedic and dressing materials, use of decompression chamber, and repair or purchase of glasses and prostheses (up to 2,000 PLN). The sum insured is selected by the policyholder and ranges from 80,000 to 300,000 PLN depending on the chosen tier (Minimalny/Optymalny/Maksymalny). Costs and assistance are limited to those strictly necessary to enable the insured's return or transport to Poland/country of residence, or continuation of the planned trip.

Koszty Leczenia Do wysokości sumy ubezpieczenie Kosztów Leczenia i Assistance

[244] Medical transport: PLN 80,000 – PLN 300,000 ↩

Covers transport from the scene of the event to the nearest or Alarm-Centre-designated medical facility; transport to another medical facility abroad if the insured's condition requires it; transport back to accommodation after treatment; and return transport to the country of residence if required by health condition and the planned means of transport cannot be used. Also covers return transport of unaccompanied minors or dependent persons. Covered up to the full medical expenses sum insured. The Alarm Centre decides on the necessity, timing and method of transport.

a) transport z miejsca zdarzenia do najbliższej placówki medycznej lub wskazanej przez Centrum Alarmowe;

[245] COVID-19 treatment: PLN 80,000 – PLN 300,000 ↩

Medical costs related to sudden illness caused by COVID-19 during travel are covered within the standard Koszty Leczenia i Assistance scope, up to the full medical expenses sum insured. The IPID (KID) explicitly confirms coverage of 'nagłego zachorowania na COVID-19' (sudden COVID-19 illness) within the base scope.

Ubezpieczenie obejmuje organizację oraz pokrycie niezbędnych kosztów leczenia i pomocy assistance w związku z następstwami nagłego zachorowania, nagłego zachorowania na COVID-19 lub nieszczęśliwego wypadku w czasie podróży oraz nagłych i niespodziewanych aktów terrorystycznych

[246] Personal liability: PLN 50,000 – PLN 100,000 ↩

Covers the insured's civil liability for property damage or personal injury caused to third parties in connection with private life activities during travel, including liability for minor children and pet ownership. The guarantee sum depends on the chosen variant: 50,000 PLN (Minimalny), 50,000 PLN (Optymalny), or 100,000 PLN (Maksymalny), as stated in the policy document. Key exclusions include liability arising from professional activities, motor vehicle use, and damages to valuable items (cash, art, antiques, jewellery).

OC w życiu prywatnym 50 000 zł 50 000 zł 100 000 zł

[247] Emergency dental: PLN 2,000 ↩

Covers emergency dental treatment up to 2,000 PLN within the Koszty Leczenia i Assistance coverage. Dental treatment is included only to the extent required as immediate, necessary medical assistance; routine dental work is excluded.

b) leczenie stomatologiczne (do 2000 PLN);

[248] Search & rescue: PLN 50,000 ↩

Covers search operations conducted by specialist rescue services, on-site medical assistance, and aerial or maritime transport from the scene to the nearest medical facility. Limited to 50,000 PLN per insurance period, regardless of the medical expenses sum insured.

Ratownictwo w górach i na morzu do 50 000 zł

[249] Legal assistance: Excluded ↩

Legal assistance is not listed as a covered service in this product. The OWU and IPID do not include legal assistance coverage. The product covers informational assistance (Pomoc informacyjna) via the Alarm Centre for communication and tourism information only.

[250] Emergency medical treatment: PLN 80,000 – PLN 300,000 ↩

Covers emergency inpatient and outpatient treatment that could not be deferred until the insured's return to Poland or their country of residence, including procedures and surgery. The Alarm Centre selects the appropriate hospital, arranges transport and coordinates with the facility. Covered up to the full medical expenses sum insured.

a) leczenie szpitalne i ambulatoryjne, w tym użycie komory dekompresyjnej;

[251] Hospitalization: PLN 80,000 – PLN 300,000 ↩

Covers hospitalisation costs (inpatient treatment, procedures, surgery) incurred during travel, where the treatment could not be deferred until return to Poland or country of residence. Covered within the overall medical expenses sum insured.

a) leczenie szpitalne i ambulatoryjne, w tym użycie komory dekompresyjnej;

[252] Outpatient treatment: PLN 80,000 – PLN 300,000 ↩

Covers outpatient medical consultations, examinations, procedures, prescribed medications (excluding vitamins, supplements, cosmetic creams), orthopaedic and dressing materials, and infusion fluids prescribed by the treating physician. Covered within the overall medical expenses sum insured.

w zakresie badań i zabiegów ambulatoryjnych, lekarstw (z wyjątkiem witamin, środków wzmacniających, odżywek, maści i kremów upiększających), środków ortopedycznych i pomocniczych, płynów infuzyjnych oraz środków opatrunkowych, zaleconych i przepisanych przez lekarza prowadzącego;

[253] Medical evacuation: PLN 80,000 – PLN 300,000 ↩

Covers medical evacuation organised and paid by the Alarm Centre, including ambulance transport to hospital, inter-hospital transport, and return transport to Poland or country of residence when medically required. The Alarm Centre decides on the necessity and method of evacuation after consulting the treating physician. Covered up to the full medical expenses sum insured.

O celowości, terminie, sposobie i możliwości transportu Ubezpieczonego decyduje Centrum Alarmowe uwzględniając stan zdrowia Ubezpieczonego po konsultacji z lekarzem prowadzącym leczenie za granicą.

[254] Repatriation of remains: PLN 80,000 – PLN 300,000 ↩

In case of the insured's death during travel, the Alarm Centre organises and covers costs of cremation, transport of the body or urn with ashes to the country of residence, or funeral abroad. Covered within the medical expenses/transport sum insured.

f) w razie śmierci Ubezpieczonego kremacja, przewóz zwłok lub urny z prochami do kraju zamieszkania lub pogrzeb za granicą

[255] Pre existing conditions: Optional ↩

Chronic diseases are excluded from the base policy. A paid extension (additional premium) is available to cover medical events arising from chronic conditions defined as illnesses treated continuously or periodically in the 12 months before the policy inception date. Without this extension, acute exacerbations of chronic diseases are not covered.

Na wniosek Klienta, za opłatą dodatkowej składki zakres ubezpieczenia może zostać rozszerzony o następujące ryzyka: 1) Choroba przewlekła;

[256] Winter sports cover: Optional ↩

Skiing on marked slopes and snowboarding on marked slopes are classified as 'sporty ryzykowne' (risky sports) under Annex 1 of the OWU and are excluded from the base policy. Coverage for winter and other risky sports is available as a paid extension. The risky-sports extension also covers high-risk work performed during the trip.

snowboard po oznakowanych trasach

[257] Adventure sports cover: Optional ↩

Risky sports listed in Annex 1 (e.g. BMX, kitesurfing, mountain biking, paintball, parasailing, sandboarding, skeleton, diving (skoki do wody), martial arts, trekking above 5,300m, expeditions to jungle/desert/polar regions) are excluded from the base policy. A paid 'sporty ryzykowne' extension is available to cover accidents during such activities. Professional/competitive sports require a separate 'wyczynowe uprawianie sportu' extension.

kajakarstwo kitesurfing kolarstwo górskie kolarstwo torowe kulturystyka

[258] Pregnancy complications: Conditional ↩

Childbirth (poród) is explicitly excluded from the Koszty Leczenia i Assistance and NNW coverages, unless it occurs before the 32nd week of pregnancy. Termination of pregnancy is covered only when performed to save the life or health of the insured and where permitted by the law of the country where the procedure is carried out. Pregnancy complications other than premature birth before 32 weeks are generally not covered.

porodu, chyba że nastąpił przed 32 tygodniem ciąży;

[259] Medical expenses: PLN 2,000,000 ↩

Covers necessary medical treatment costs (consultations, diagnostics, hospitalisation, surgery, outpatient treatment, medications, orthopaedic aids) during foreign or domestic travel due to sudden illness or accident. The sum insured is chosen by the customer at policy purchase up to a maximum of 2,000,000 PLN. Benefits are paid up to the sum insured stated in the policy. All items in Table 1 of the OWU fall under this single sum insured.

Konieczne leczenie (badania, diagnostyka, hospitalizacja, operacje) w zakresie niezbędnym do tego, aby przywrócić Cię do stanu zdrowia, który umożliwi Ci powrót albo transport do: a) miejsca zamieszkania lub b) placówki medycznej w Polsce.

[260] Medical transport: Covered ↩

Covers medical transport to the nearest medical facility or between medical facilities (when the current facility cannot provide appropriate care per physician order), all within the KL sum insured for post-border foreign travel. For pre-border/domestic travel, medical transport (not requiring emergency intervention) is covered up to 1,500 PLN. Also includes taxi or public transport from the medical facility to the place of stay after treatment (up to 400 PLN) for post-border foreign travel.

Transport medyczny: a) do najbliższej placówki medycznej lub b) między placówkami medycznymi, jeśli zleci to lekarz – gdy placówka, w której przebywasz nie zapewni opieki dostosowanej do Twojego stanu zdrowia

[261] COVID-19 treatment: Covered ↩

Covers COVID-19 treatment costs (including diagnostics, hospitalisation, surgery) ordered by a physician that cannot be postponed until return to Poland, paid up to the KL sum insured stated in the policy. Additionally covers COVID-19 isolation accommodation and meals (ordered by local medical authorities after a positive named diagnostic test, when the reserved stay cannot be used or must be extended): up to 10 days and 3,000 PLN for post-border foreign travel; up to 7 days and 1,500 PLN for pre-border/domestic travel. Also covers return transport after isolation (up to 500 PLN). Conditional on compliance with local law and orders of local authorities.

Leczenie COVID‑19 (w tym badania, diagnostyka, hospitalizacja, operacje), które zlecił lekarz i którego nie można odłożyć do czasu powrotu do Polski

[262] Personal liability: PLN 1,000,000 ↩

Optional extension covering the insured's civil liability for damages caused to third parties during domestic or foreign travel in the course of private life activities (leisure, childcare, cycling/scooter/wheelchair use, pet ownership, sports). The sum insured is chosen by the customer up to a maximum of 1,000,000 PLN. Exclusions include: damage to close relatives, damage at work, communicating a disease, damage to money or documents, sports in non-designated areas, use of weapons, driving without a licence, unlicensed airline crew/passenger. Fines, lost profits, and punitive damages are not covered.

Ubezpieczeniem obejmujemy Twoją odpowiedzialność cywilną. Ochroną obejmujemy Szkody, które wyrządzisz innym osobom w trakcie Podróży zagranicznej lub Podróży krajowej.

[263] Emergency dental: PLN 1,000 ↩

Covers emergency dental treatment in the event of sudden inflammation or when medical assistance is required following an accident. Coverage is limited to immediate temporary tooth stabilisation only. Root canal treatment and crown reconstruction are explicitly excluded.

Leczenie stomatologiczne, jeśli wystąpi nagły stan zapalny lub będzie konieczna pomoc medyczna po Wypadku. Ochrona obejmuje jedynie doraźne zaopatrzenie zęba – nie zapłacimy za późniejsze wypełnienie kanałów ani odbudowę korony do 1 000 PLN

[264] Search & rescue: PLN 100,000 ↩

Covers documented costs of a rescue or search operation conducted by rescue services in the mountains or at sea. The search time is counted from the moment rescue services receive a notification of disappearance until the insured is found or taken over by medical services. Not covered in cases of presumed kidnapping or actual kidnapping.

Poszukiwanie oraz ratownictwo w górach i na morzu. Dotyczy to udokumentowanych kosztów akcji ratowniczej lub poszukiwawczej, którą przeprowadziły służby ratownicze. ... do 100 000 PLN

[265] Legal assistance: PLN 10,000 ↩

Included within the base Assistance package for foreign travel. Covers the cost of a lawyer's fee for legal assistance if the insured faces a legal dispute during leisure travel abroad. The insurer is not responsible for the lawyer's actions. Also includes interpreter/translator assistance during hospitalisation or in civil liability disputes (up to 2,000 PLN).

Pomoc prawna – jeśli popadniesz w konflikt z prawem podczas Twojego wypoczynku. Zorganizujemy i zapłacimy za koszt wynagrodzenia prawnika, któremu będzie można zlecić świadczenie pomocy prawnej. Nie odpowiadamy za działania prawnika do 10 000 PLN

[266] Emergency medical treatment: Covered ↩

Covers emergency medical treatment (consultations, necessary diagnostics, hospitalisation, surgery) ordered by a physician and which cannot be postponed until return to Poland, in the event of sudden illness or accident during foreign travel. Paid up to the KL sum insured stated in the policy. When the insured has not yet crossed the Polish border, an aggregate cap of 20% of the KL sum insured applies (max. 60,000 PLN).

Konsultacje lekarskie. Konieczne leczenie (badania, diagnostyka, hospitalizacja, operacje) w zakresie niezbędnym do tego, aby przywrócić Cię do stanu zdrowia

[267] Hospitalization: Covered ↩

Hospitalisation (minimum 24-hour uninterrupted stay in a medical facility) during foreign travel is covered under the KL sum insured. Additionally, a daily hospital benefit of 100 PLN (up to 2,000 PLN total) is paid for hospitalisations of at least 3 days in EU/EFTA countries, provided the insured holds a valid EHIC card accepted by the facility. In domestic travel outpatient treatment up to 5,000 PLN applies; hospitalisations covered under the COVID-19 provisions fall under the full KL sum insured.

Świadczenie za pobyt w szpitalu – jeśli Twoja Hospitalizacja w kraju UE/EFTA będzie trwać co najmniej 3 dni, wypłacimy Ci pieniądze za każdy dzień pobytu w placówce medycznej. Pamiętaj, że musisz mieć kartę EKUZ (Europejską Kartę Ubezpieczenia Zdrowotnego), a placówka medyczna musi ją zaakceptować

[268] Outpatient treatment: Covered ↩

Covers outpatient treatment (tests, medical assistance, procedures, doctor visits, doctor home visits, purchase of necessary medications, dressings, orthopaedic aids such as prosthetics, crutches, orthoses) during foreign travel up to the KL sum insured. In domestic travel, outpatient treatment is covered up to 5,000 PLN. Includes one follow-up visit after an accident (up to 600 PLN) or following doctor recommendation after acute illness (must occur outside Poland).

Leczenie ambulatoryjne, które obejmuje badania i pomoc medyczną, zabiegi, wizyty lekarskie, dojazd lekarza do miejsca Twojego pobytu, zakup niezbędnych lekarstw, środków opatrunkowych, ortopedycznych środków pomocniczych (np. protezy, kule, ortezy)

[269] Medical evacuation: Unlimited ↩

Organised and paid without limit (does not reduce the KL sum insured) for return transport to Poland or to a medical facility where treatment will be continued. The treating physician together with the Alarm Centre physician decides on the necessity and mode of transport. Transport is organised if the previously planned means of transport cannot be used. For pre-border travel the return transport limit is 20% of the KL sum insured, max. 60,000 PLN.

Transport powrotny do Polski – do miejsca, które wskażesz, lub do placówki medycznej, w której będziesz kontynuować leczenie. ... bez limitu, nie pomniejsza Sumy ubezpieczenia

[270] Repatriation of remains: Unlimited ↩

Organised and paid without limit (does not reduce the KL sum insured) for transport of the body to the burial site or burial abroad in the event of the insured's death during foreign travel, including from natural causes. Covers the costs of the transport coffin or urn, cremation, and sanitary and administrative costs. For pre-border travel the limit is 20% of the KL sum insured, max. 60,000 PLN.

Transport ciała do miejsca pochówku lub pochówek za granicą – jeśli umrzesz podczas Podróży zagranicznej, także z przyczyn naturalnych. Pokrywamy także koszty trumny przewozowej lub urny, kremacji, koszty sanitarne i administracyjne

[271] Pre existing conditions: 20% of insured sum ↩

Chronic diseases (defined as diseases or health problems diagnosed or treated within 2 years prior to policy purchase that are permanent, leave disability, cause recurring symptoms, or require continuous medication) are automatically covered up to 20% of the KL sum insured without any extension. By purchasing the optional 'Exacerbation of Chronic Disease' rider (Zaostrzenie Choroby przewlekłej), coverage is extended to 100% of the KL sum insured. This applies to both post-border foreign travel and pre-border/domestic travel components. Excluded: continuation of treatment for diseases that began before the policy was purchased (this exclusion does not apply to exacerbations of chronic diseases). Excludes: mental disorders, depression, congenital defects, STDs, AIDS/HIV even if not previously treated.

Zapłacimy również za Szkody, które związane są z Twoją Chorobą przewlekłą: a) Jeśli zakres Twojej umowy nie jest rozszerzony o zaostrzenie Choroby przewlekłej, zapłacimy do 20% Sumy ubezpieczenia KL.

[272] Winter sports cover: Optional ↩

Optional extension covering winter sports (bobsleigh, ice yachting, ice hockey, kite-skiing, kite-snowboarding, figure skating, speed skating, cross-country skiing, luge, snowboard or alpine skiing on marked runs, and sports using snow/ice vehicles). If purchased, also refunds proportional cost of unused ski passes and rental equipment in case of sudden illness or accident, and covers closed slopes compensation (100 PLN/day for closed pistes or 700 PLN for travel to alternative lifts, Dec 1–Mar 31) and unused licensed instructor lessons (up to 7 days, 250 PLN/day). Purchasing the Extreme Sports extension automatically includes Winter Sports coverage.

Niewykorzystany karnet narciarski (ski pass) – jeśli Nagle zachorujesz lub ulegniesz Wypadkowi i nie możesz skorzystać ze stoku narciarskiego. W tej sytuacji wypłacimy Ci proporcjonalną część pieniędzy za karnet narciarski

[273] Adventure sports cover: Optional ↩

Optional extension covering extreme sports as defined in the OWU (e.g. ballooning, base jumping, long-distance runs over 20 km, downhill, freeskiing, heliboarding, heliskiing, quad biking, mountain biking, hang-gliding, mountainboarding, motocross, paragliding, parkour, aircraft piloting, rafting, ski mountaineering, bungee jumping, ski jumping, off-piste skiing/snowboarding, skydiving, caving, motorsports, combat sports excluding MMA, street luge, gliding, hunting expeditions, rock/mountain/ice climbing with specialist equipment, expeditions to extreme climatic locations including poles, bush, jungle, mountains above 5,500 m, glacial terrain requiring safety gear, horse racing). Purchasing this extension automatically includes Winter Sports coverage. Standard coverage excludes any Himalayan expeditions, trekking or mountaineering in the Himalayas even with this extension.

Sporty ekstremalne – baloniarstwo, base jumping, biegi długodystansowe powyżej 20 km, downhill, freeskiing, heliboarding, heliskiing, jazda na quadach, kolarstwo górskie, lotniarstwo, mountainboarding, motocross, motolotniarstwo...

[274] Pregnancy complications: PLN 10,000 ↩

Covers costs of premature birth occurring before the 32nd week of pregnancy, and costs of medical care for the mother and newborn (up to 10,000 PLN). Also covers one doctor visit if the insured's health suddenly worsens in connection with pregnancy (up to 500 PLN). Pregnancy and childbirth after the 32nd week of pregnancy are explicitly excluded, as are contraceptives and termination of pregnancy unless performed to save the insured's life or health.

Koszty przedwczesnego porodu, który nastąpił przed 32. tygodniem ciąży, oraz koszty opieki medycznej matki i noworodka do 10 000 PLN

[275] Personal accident: Optional ↩

Optional extension paying benefits for accidents occurring during foreign or domestic travel. Pays 100% of the NW sum insured in the event of the insured's death, and a proportional percentage of the NW sum insured for permanent health impairment (1% of the sum insured for each 1% of impairment, determined using the Permanent Impairment Table annexed to the OWU). The sum insured is chosen by the customer when completing the application.

Ubezpieczenie Następstw Wypadków (dalej NW);

[276] Medical expenses: Covered ↩

Covers costs of medical assistance required by the insured's state of health during travel, including hospitalisation, outpatient treatment, medical visits and teleconsultations, diagnostic tests ordered by a doctor (X-ray, ECG, USG, MRI, CT, basic lab tests), outpatient procedures, prescribed medications and dressings, repair/purchase of prostheses, orthodontic devices, corrective glasses and orthopedic aids (limit 2 000 PLN per policy period), and emergency medical services including transport to a medical facility. Coverage applies until the insured's health condition permits return or transport home. The insured sum is agreed individually between the policyholder and PZU SA at policy inception and constitutes the upper liability limit.

[277] Medical transport: Covered ↩

Covers: (a) medical transport to the appropriate medical facility from the insured's location or accident site; (b) transport between medical facilities; (c) transport to another hospital if the current facility cannot provide adequate care; (d) transport to the insured's accommodation after medical assistance when the treating doctor advises against using own or public transport; (e) non-medical transport outside Poland by public transport or taxi to/from a medical facility (sub-limit 1 000 PLN). All within the agreed sum insured.

[278] COVID-19 treatment: Covered ↩

Sudden illness including COVID-19 caused by SARS-CoV-2 or its variants is included in the definition of 'sudden illness' and covered under medical expenses. Additionally, if the insured is subject to quarantine or isolation, PZU SA covers accommodation and board costs up to 7 000 PLN (for one quarantine/isolation event in the policy period) arising from extended stay or change of quarantine location. Benefits are implemented in compliance with applicable legal provisions on epidemic prevention.

[279] Personal liability: Optional ↩

Optional add-on (Klauzula Nr 8). Covers the insured's civil liability in tort for personal injury or property damage caused to third parties during travel in connection with activities of private life or owned property used for private activities. Also covers liability from use of bicycles, personal transport devices, and recreational use of RC models/drones up to 5 kg. Also covers damage from gross negligence. The guarantee sum is agreed individually and constitutes the liability ceiling per insurance accident.

[280] Emergency dental: PLN 2,000 ↩

Covers emergency dental treatment for acute inflammatory and pain conditions outside Poland, and dental treatment required due to an accident covered by the policy. The sub-limit for acute inflammatory and pain dental conditions is 2 000 PLN for all insurance accidents in the policy period. This sub-limit does not apply to dental treatment requiring hospitalisation. Treatment must occur outside Polish territory.

[281] Search & rescue: Covered ↩

PZU SA covers costs of searching for the insured in mountains, on land and at sea by specialised rescue units (search costs) as well as costs of providing emergency medical assistance (rescue costs) if the insured goes missing during travel in the insurance period. Additionally covers search and rescue due to sudden adverse weather conditions or sports equipment failure during sports activities, where the insured cannot safely return to base. Within the agreed sum insured.

[282] Legal assistance: PLN 10,000 ↩

Available under the Extended Assistance Package (Klauzula Nr 1) for an additional premium. If the insured has a legal conflict with the justice system in the country where they are located, PZU SA provides a lawyer representing the insured and covers their fees up to 10 000 PLN (civil liability matters only, outside Poland). Interpreter fees in case of legal conflict: up to 5 000 PLN. Legal assistance is not provided if the insured's legal problem relates to their professional activity or vehicle ownership/storage. If the proceedings show the insured acted intentionally, the insured must repay the legal assistance costs to PZU SA within 30 days of returning home.

PZU SA nie pokrywa kosztów pomocy prawnej, jeżeli problem prawny ubezpieczonego związany jest z jego działalnością zawodową albo posiadaniem lub przechowywaniem pojazdów. W przypadku gdyby postępowanie prowadzone przeciwko ubezpieczonemu wykazało umyślne działanie ubezpieczonego, ubezpieczony zobowiązany jest do zwrotu PZU SA poniesionych przez PZU SA kosztów pomocy prawnej w terminie 30 dni od dnia powrotu do domu;

[283] Emergency medical treatment: Covered ↩

Covers hospital stays and inpatient treatment, emergency and urgent surgery, outpatient medical visits including teleconsultations, doctor-ordered diagnostic tests, and outpatient procedures arising from sudden illness (including COVID-19) or accident during travel. Also covers treatment related to exacerbation or complications of chronic diseases, diseases that required hospitalisation in the 12 months before policy inception, and complications from same-day surgery performed 30 days before policy inception. Pregnancy and childbirth-related treatment is covered up to the end of the 32nd week of gestation. Within the agreed sum insured.

[284] Hospitalization: Covered ↩

Hospital stay and inpatient treatment (defined as continuous stay exceeding 24 hours) including emergency and urgent surgery are included within the base medical expenses coverage. No separate sub-limit stated; covered within the agreed sum insured.

[285] Outpatient treatment: Covered ↩

Outpatient treatment (defined as treatment other than hospitalisation) including medical visits, teleconsultations, diagnostic tests and outpatient procedures ordered by a doctor are included within the base medical expenses coverage. No separate sub-limit; within the agreed sum insured.

[286] Medical evacuation: Covered ↩

If the insured's health condition following an accident or sudden illness covered by the policy, or a covered quarantine/isolation, prevents use of the originally planned transport, PZU SA organises and covers transport of the insured to their home or a medical facility in the country of permanent residence. Transport is arranged after medical assistance or end of quarantine/isolation, using a means of transport appropriate to the insured's health. Part of the Basic Assistance package; paid within the single sum insured agreed jointly for medical costs and assistance.

Suma ubezpieczenia ustalana jest łącznie dla ubezpieczenia kosztów leczenia i ubezpieczenia assistance. Koszty leczenia oraz koszty usług assistance pokrywane są do wysokości ustalonej sumy ubezpieczenia z zastrzeżeniem limitów, o których mowa w ust. 2–4 oraz w § 26.

[287] Repatriation of remains: Covered ↩

If the insured dies during travel within the insurance period, PZU SA organises and covers the costs of transporting the remains to the place of burial in the country of permanent residence, including the cost of the transport coffin or urn and administrative costs. In the case of cremation in the country where the event occurred, PZU SA covers cremation costs and transport of ashes up to the amount that would have been incurred for remains transport.

[288] Pre existing conditions: Conditional ↩

Covered only for the costs of first medical aid required to stabilise the insured's condition or restore health to the pre-exacerbation level, in connection with: (a) exacerbation or complications of chronic diseases; (b) exacerbation or complications of diseases that caused hospitalisation in the 12 months before policy inception; (c) complications of same-day surgery performed in the 30 days before policy inception. This is conditional coverage: it does NOT cover the baseline treatment of the chronic disease, recommended post-hospitalisation treatment, or complications of pre-policy injuries. Persons for whom travel is medically contraindicated only receive coverage for events unrelated to those contraindications.

[289] Winter sports cover: Optional ↩

Recreational skiing or snowboarding on marked pistes is excluded from the base policy. Coverage can be added for an additional premium under §4.1.1.a. The Sport Assistance Package (Klauzula 5) can also be added and includes: accommodation costs if ski resort is blocked by avalanche (up to 2 000 PLN), compensation of 100 PLN per day for closure of all marked pistes within 30 km (max 10 days, 15 Dec–31 Mar), unused ski pass reimbursement (up to 500 PLN), and repair/rental of sports equipment (up to 500 PLN).

[290] Adventure sports cover: Optional ↩

High-risk sports (including motor sports, quads, skydiving, paragliding, high-altitude mountaineering, rafting, canyoning, scuba/free diving, ocean sailing, surfing, kitesurfing, off-piste skiing/snowboarding, extreme snowboarding, bungee jumping, martial arts, equestrian, marathons, mountain biking downhill, parkour, zorbing, hunting with firearms, survival expeditions in extreme conditions, trekking above 2 500 m a.s.l.) and competitive sports are excluded from the base policy. Extension is available for an additional premium under §4.1.1. Even with extension, mountaineering above 5 500 m a.s.l. and expeditions to extreme environments above 5 500 m remain excluded. Physical labour can also be added under §4.1.2.

[291] Pregnancy complications: Conditional ↩

Treatment related to pregnancy and childbirth (including medical transport to a medical facility) is covered up to the end of the 32nd week of pregnancy. In the event of delivery before the 32nd week, PZU SA covers medical costs for both the mother and the child, with the child's treatment limited to 14 days after birth. Abortion, artificial insemination or other infertility treatment are excluded. Assistance services are also excluded in connection with pregnancy and childbirth after the end of the 32nd week.

Z odpowiedzialności PZU SA wyłączone są usługi assistance, gdy zdarzenie stanowiące podstawę organizacji takiej usługi powstało w związku lub w następstwie okoliczności, o których mowa w ust. 1, lub w związku z ciążą i porodem po zakończonym 32 tygodniu ciąży, z zastrzeżeniem, że w przypadkach, o których mowa w ust. 1 pkt 19–22 i 25, odpowiedzialność PZU SA może być rozszerzona za zapłatą dodatkowej składki ubezpieczeniowej.

[292] Medical expenses: €20,000 – €60,000 ↩

Covers necessary and documented medical treatment costs and medical transport costs incurred abroad due to sudden illness or accident. MINI: 20,000 EUR; MIDI: 40,000 EUR; MAXI: 60,000 EUR. Includes hospitalization (including surgery), outpatient treatment, medications, medical visits and auxiliary tests, transport to/between medical facilities, transport to accommodation, and transport back to Poland. Coverage extends up to 90 days from the date of sudden illness/accident if return transport is medically contraindicated.

Przedmiotem ubezpieczenia są niezbędne i udokumentowane koszty leczenia, koszty transportu medycznego oraz organizacja i pokrycie kosztów usług assistance w związku z nagłym zachorowaniem lub nieszczęśliwym wypadkiem Ubezpieczonego objętym ochroną ubezpieczeniową.

[293] Medical transport: €20,000 – €60,000 ↩

Medical transport is covered within the overall sum insured for each variant (MINI: 20,000 EUR; MIDI: 40,000 EUR; MAXI: 60,000 EUR). Covers: transport from the accident scene to the nearest medical facility, transport between medical facilities (when medically required), and transport to accommodation after receiving medical care.

transportu z miejsca wypadku do najbliższej placówki medycznej, zorganizowanego przez Centrum Pomocy transportu do innej placówki medycznej ... transportu do miejsca zakwaterowania po udzieleniu pomocy medycznej

[294] COVID-19 treatment: Covered ↩

The policy covers sudden illness abroad generally, without explicitly mentioning COVID-19 as a separate coverage item. COVID-19 as a sudden illness would fall under general medical expenses coverage if it meets the definition of 'sudden illness' (sudden, unexpected, life/health-threatening condition requiring immediate medical assistance). No specific COVID-19 sub-limit or exclusion is stated in the current OWU.

[295] Personal liability: €50,000 – €100,000 ↩

Covers the insured's statutory civil liability for personal injury (bodily harm, health impairment, or death) or property damage caused to third parties during a foreign trip. MIDI: 50,000 EUR guarantee sum; MAXI: 100,000 EUR guarantee sum. Within the guarantee sum: costs of expert appraisers, necessary court defense costs (if SALTUS TUW requested or approved), and costs of measures taken to prevent or reduce the damage. Personal damage covered at 100% of guarantee sum; property damage at 20% of guarantee sum. NOT available in MINI variant. Contractual liability is excluded.

Przedmiotem ubezpieczenia jest ustawowa odpowiedzialność cywilna Ubezpieczonego za szkody na osobie (uszkodzenie ciała, rozstrój zdrowia lub śmierć) lub szkody w mieniu (uszkodzenie, zniszczenie lub utrata rzeczy ruchomej albo nieruchomości), wyrządzone osobom trzecim w czasie wyjazdu zagranicznego.

[296] Emergency dental: PLN 600 – PLN 1,000 ↩

Emergency dental treatment is covered only in cases of acute inflammatory and pain conditions, or when treatment was necessary due to an injury sustained in an accident. MINI: up to 600 PLN; MIDI: up to 600 PLN; MAXI: up to 1,000 PLN. Repair or purchase of dental prostheses, crowns, or orthodontic treatment is excluded.

leczenie stomatologiczne do 600 PLN do 600 PLN do 1 000 PLN

[297] Search & rescue: PLN 12,000 – PLN 24,000 ↩

SALTUS TUW covers necessary and documented costs of search and rescue operations conducted by specialized rescue services to save the insured's life or health. Covers: search by specialized services, emergency first aid at the scene, and transport from the scene to the nearest appropriate medical facility (including specialist means such as sleds, helicopter, toboggan, motorboat). MIDI: up to 12,000 PLN; MAXI: up to 24,000 PLN. Not available in MINI variant.

poszukiwanie i ratownictwo - jeżeli w stosunku do Ubezpieczonego powstaną niezbędne i udokumentowane koszty poniesione na akcję poszukiwawczą lub ratowniczą prowadzoną przez wyspecjalizowane służby ratownicze w celu ratowania życia lub zdrowia Ubezpieczonego, Towarzystwo pokrywa koszty

[298] Legal assistance: Covered ↩

Legal assistance is provided within the civil liability coverage. SALTUS TUW covers necessary court defense costs in disputes conducted at its instruction or with its consent. Legal information is also included as an assistance service without limit (MIDI and MAXI variants). Not available as a standalone coverage; legal assistance within liability cover only available in MIDI and MAXI.

niezbędne koszty obrony sądowej w sporze prowadzonym na polecenie Towarzystwa lub za jego zgodą; jeżeli w wyniku wypadku powodującego odpowiedzialność Ubezpieczonego, objętą ochroną ubezpieczeniową, zostanie przeciwko sprawcy wszczęte postępowanie karne, Towarzystwo pokrywa koszty obrony