Balcia Insurance SE European Company Branch in Poland

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.

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.

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.

A 24/7 assistance centre is included in the coverage. It organises treatment, arranges all assistance services listed in the policy and pays costs directly to service providers. Contact: (+48) 222 742 222. If direct contact before receiving services was impossible for reasons beyond the insured's control, documented costs are reimbursed within 7 days of those reasons ceasing.