Beesafe Sp. z o.o.
Beesafe
Beesafe is a travel insurance for the Poland market with online purchase and 24/7 assistance.
Direct payment
Compensa's Alarm Centre (Centrum Alarmowe) organises and pays medical costs directly to providers; where the insured has paid out of pocket, costs are reimbursed on the basis of receipts and proof of payment within the insured sum.
Geographic scope
Poland
Depending on chosen variant: Europe (Zone E) or worldwide, with optional exclusion of USA, Canada, Japan and Australia
Starting price
PLN 47
Unique selling points
- Medical expenses sum insured up to 350,000 EUR in the Elastyczny tier – well above the market standard recommended minimum of 30,000–60,000 EUR for European travel.
- COVID-19 and other infectious viral disease treatment is explicitly included in the standard scope without any additional premium or separate add-on.
- Acute exacerbation of pre-existing chronic diseases is covered as standard (not treated as an excluded pre-existing condition) within the full medical expenses sum insured.
- Recreational skiing and snowboarding on marked pistes is covered in the base price with no winter sports surcharge – an inclusion many insurers charge extra for.
- 100% digital purchase and policy management via Beesafe.pl with instant online issuance, no paper documents, and a loyalty points programme exchangeable for rewards at major retailers.
Coverage limits
Medical treatment costs (hospitalization, outpatient, surgery, diagnostics, medications, chronic diseases)
Covered
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).
Emergency medical treatment (outpatient and inpatient)
Covered
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.
Hospitalization costs
Covered
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.
Outpatient treatment (ambulatory care, diagnostics)
Covered
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.
Emergency dental treatment
Covered
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.
Medical transport (to medical facility and back to accommodation)
Covered
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.
Medical evacuation to Poland or country of permanent residence
Covered
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.
Repatriation of remains to Poland or cremation/burial abroad
Covered
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.
Search and rescue operations
Covered
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.
COVID-19 and infectious viral disease treatment
Covered
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.
Pre-existing / chronic conditions (acute exacerbation)
Conditional
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.
Winter sports cover (recreational skiing/snowboarding on marked pistes)
Covered
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.
Adventure/extreme sports cover (add-on)
Optional
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.
Pregnancy complications
Conditional
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.
Personal liability (OC in private life) – optional add-on
Optional
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.
Legal assistance (civil liability matters abroad)
Covered
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.
24/7 Alarm Centre assistance
Covered
Compensa's Alarm Centre is available 24 hours a day, 7 days a week for all medical emergencies, including organisation of medical care, information services, document recovery assistance, transmission of information to next of kin, and coordination of all assistance services. This 24/7 duty service itself is explicitly listed as unlimited.
Key conditions
Assistance call deadline
The insured must contact Compensa's Alarm Centre as soon as possible after the event. The general duty to report the claim is within 14 days of the accident (§12 ust. 1 pkt 1 OWU Compensa Podróż). If the Alarm Centre could not be reached through no fault of the insured, costs self-organised by the insured are reimbursed within the insured sum.
Unauthorized treatment
If the insured self-organises treatment without contacting the Alarm Centre (unless contact was impossible through no fault of the insured), Compensa reimburses only those costs that the Alarm Centre would have incurred had it organised the treatment; costs exceeding this are not refunded. Intentional or grossly negligent failure to notify may lead to a reduced payout.
Purchase while abroad
If the insured is already outside Poland at the time of conclusion of the contract, a 3-day waiting period (karencja) applies before coverage begins (§7 ust. 2 pkt 2 OWU Compensa Podróż). Compensa does not cover events and their consequences for insured persons who were abroad at the time of conclusion of the contract, unless the 3-day karencja has elapsed.
Chronic conditions
Sudden, unexpected exacerbations of pre-existing chronic diseases are covered within the standard medical expenses sum (per the OWU definition of 'choroba'). Planned treatment of chronic conditions, treatment in sanatoria or spas, and any travel taken for the express purpose of treatment are excluded.
Pregnancy
Medical emergencies related to pregnancy are covered as a sudden illness, but childbirth occurring after the 32nd week of gestation and all associated post-natal care are excluded. Abortion is excluded unless performed to save the insured's life.
Pre-existing condition exclusions
Coverage applies to sudden, unplanned exacerbations of chronic/pre-existing conditions (explicitly included in the OWU definition of 'choroba'). However, ongoing treatment commenced before the trip, treatment that was the purpose of travel, and stays in sanatoria or addiction treatment centres are excluded.
Coverage duration limit
The policy can be taken out for a short-term period (single trip, max 180 days under Voyage II framework, or as per Compensa Podróż) or as an annual multi-trip policy with individual trips not exceeding 120 days. The policy period is specified on the policy document (polisa).
Where to buy
Policy specifics
Medical treatment costs coverage
Coverage for medical treatment expenses during travel abroad including hospitalization, outpatient care, diagnostics, and prescribed medications
Travel assistance services
Emergency medical coordination, medical transportation, 24/7 emergency call center support, and crisis assistance services
Baggage and luggage protection
Coverage for lost, damaged, or stolen baggage and travel luggage during trips
Personal accident coverage (NNW)
Coverage for bodily injury, permanent disability, and death resulting from accidents during travel
Civil liability coverage (OC)
Coverage for damages caused to third parties during private life activities while traveling
Geographic coverage area
Coverage typically varies by variant: Europe-only, worldwide excluding selected countries (USA, Canada, Japan, Australia), or full worldwide coverage
Maximum trip duration
Insurance coverage typically limited to single trips up to 120 days; annual multi-trip policies available
Age-based eligibility
Coverage availability may vary based on insured person's age; some plans have maximum age limits
Pre-existing medical conditions
Some policies may exclude or limit coverage for pre-existing conditions; coverage for acute onset of chronic conditions may be available
Medical facility network and direct payment
Coverage includes cooperation with medical facilities for direct payment arrangements; emergency call center coordinates medical care