Balcia Travel insurance (Ubezpieczenie Podrozy)

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.

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.

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.

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.

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.

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).

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.