Benefia Ubezpieczenia Spółka z ograniczoną odpowiedzialnością

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.

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).