Benefia Travel insurance (Evoyage)

Covers necessary and documented costs of medical treatment incurred outside Poland due to sudden illness or accident during travel. Scope includes hospitalisation, surgical and outpatient procedures, doctor home visits, prescribed medications and dressings, emergency dental care (within sub-limit), and childbirth before 32 weeks of pregnancy. Basic variant: 25,000 PLN; Standard variant: 50,000 PLN; Luxury variant: 100,000 PLN.

Emergency medical treatment is included within the overall medical expenses coverage. Covers hospitalisation (minimum 24 hours), outpatient and surgical procedures, and doctor visits to accommodation. Covered across all three variants up to the medical expenses sum insured (Basic: 25,000 PLN; Standard: 50,000 PLN; Luxury: 100,000 PLN).

Hospitalisation (inpatient stay of at least 24 consecutive hours) is explicitly listed as a covered cost under the medical expenses section (§32.2.1 OWU). Covered within the overall medical expenses sum: Basic 25,000 PLN; Standard 50,000 PLN; Luxury 100,000 PLN.

Outpatient procedures, surgical procedures, and diagnostic tests are covered within the medical expenses sum (§32.2.2 OWU). Covered across all three variants up to the respective medical expenses sum insured (Basic: 25,000 PLN; Standard: 50,000 PLN; Luxury: 100,000 PLN).

Emergency dental treatment is covered within the overall medical expenses sum insured, subject to a sub-limit of up to 250 EUR. Covers only acute inflammatory or painful conditions and cases necessitated by an accident, including only temporary filling of a tooth. Preventive dental procedures, root canal treatment, crown reconstruction, and periodontal treatment are excluded.

Covers costs of transport from the accident site to the nearest medical facility, transport to another medical facility outside Poland per physician's recommendation, and transport to a medical facility or place of residence in Poland where continued hospitalisation is required. Covered under Standard and Luxury variants only, up to the medical expenses sum insured for the chosen variant. Transport costs are covered within the transport and repatriation module (§36-37 OWU), which requires that the medical expenses coverage is active.

Medical evacuation (transport of the insured to a medical facility or place of residence in Poland) is covered under the transport and repatriation module (§36.2.3 OWU), available in Standard (up to 50,000 PLN) and Luxury (up to 100,000 PLN) variants only. Requires physician's written recommendation and prior consultation with the insurer's representative. Limit equals the medical expenses sum insured for the chosen variant (§37 OWU).

If the insured dies during travel outside Poland due to an accident or sudden illness, the insurer covers costs of transporting the remains to the place of burial in Poland, or costs of funeral/cremation outside Poland (§36.3 OWU). Available in Standard and Luxury variants only, within the transport and repatriation module. Limit equals the medical expenses sum insured for the chosen variant (Standard: 50,000 PLN; Luxury: 100,000 PLN).

Covers necessary and documented costs of search-and-rescue operations conducted outside Poland by specialised rescue services to save the life or health of the insured who suffered a sudden illness or accident during travel (§38 OWU). Available exclusively in the Luxury variant. Sum insured: 15,000 PLN (§39 OWU). Covers costs not already covered by medical expenses or transport and repatriation insurance.

COVID-19 treatment costs may be covered if the illness constitutes a 'sudden illness' under the OWU definition (i.e. arises suddenly without causal link to prior illnesses, directly threatens health or life, and requires immediate medical care). However, the official product page explicitly excludes: costs of prophylactic COVID-19 tests not ordered by a physician; costs of quarantine and isolation; transport costs back to Poland if return is prevented by border closures or flight bans; and organisation or costs of transport of insured persons hospitalised or in quarantine/isolation due to COVID-19 until physician-confirmed recovery.

Pre-existing conditions (illnesses whose first symptoms, diagnosis, or medical confirmation occurred before the start of the insurer's liability) and chronic conditions (long-term illnesses lasting months or years, diagnosed or treated before the trip) are explicitly excluded from coverage (§6.4.20 and §6.4.21 OWU). However, the official product page notes that a person with a diagnosed chronic condition who travels abroad may receive assistance if the need for medical care is the result of a sudden illness, not planned treatment.

Winter sports are excluded from the standard policy. An optional extension covering damages resulting from amateur winter sports (skiing, snowkite, snowboarding, sledding, ice skating) is available for all three variants upon payment of an additional premium (§5.6.2 and §6.5.2 OWU). The extension does not cover high-risk sports (e.g. heliskiing, freeskiing, ski jumping) or competitive/professional sports participation.

Extreme and high-risk sports ("sporty wysokiego ryzyka") are explicitly excluded from all variants of the policy (§6.4.22 OWU). This includes mountaineering, rock and ice climbing, alpinism, canyoning, B.A.S.E. jumping, whitewater kayaking, motor sports, freediving, bungee jumping, paragliding, hang gliding, motocross, combat sports, and many others listed in §4.1.29 OWU. Amateur qualifying sports ("turystyka kwalifikowana") on marked trails are not considered extreme sports.

Childbirth occurring before 32 weeks of pregnancy is covered under the medical expenses section, with compensation paid jointly for the mother and child up to the sum insured (§32.2.6 OWU). Childbirth from 32 weeks onwards is excluded (§33.1.4 OWU). Elective termination of pregnancy is excluded unless performed to save the life or health of the insured. Complications of pregnancy and childbirth are not covered as consequences of accidents under the NNW module (§41.1.2 OWU).

Civil liability of the insured for property damage and personal injury caused to third parties in connection with private life activities during travel is an optional extension available for all three variants upon payment of an additional premium (§5.5.2 and §47 OWU). Guarantee sum: Basic 25,000 PLN; Standard 50,000 PLN; Luxury 100,000 PLN. Excluded: damage caused to close relatives, damage arising from business or professional activities, pure financial losses, damage related to use of motor vehicles, and others per §48 OWU.

A dedicated legal assistance product is not included in or available as an extension of the eVoyage travel policy. The Luxury assistance module includes a bail bond loan of up to 5,000 PLN equivalent (§44.4.8 OWU) and translator assistance by phone in emergency situations (§44.4.7 OWU), but these do not constitute legal assistance coverage.