Allianz Travel insurance (Moja Podroz Ubezpieczenie W Podrozy)

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.

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.

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.

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).

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).

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.

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.

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.

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).

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).

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.

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).

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).

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.

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.

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.