Inter Partner Assistance Polska Spółka z Ograniczoną Odpowiedzialnością (operating as AXA Assistance / AXA Partners)

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).

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.

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.

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.

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.

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.

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.

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.

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.

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.

24/7 Assistance Call Center (Centrum Pomocy Assistance) available in all tiers via phone +48 22 575 97 28. Provides around-the-clock coordination of medical services, organization of transport, repatriation, and emergency assistance. Also includes a tourist and medical information hotline (infolinia), telephonic translations in English and other available languages, and lifestyle assistance (Zdobywca tier only). The insured must contact CPA as soon as possible after any insured event, and no later than within 24 hours of the event.