Chubb European Group SE European Company Branch in Poland
Chubb Travel Insurance
Chubb Travel Insurance is a travel insurance for the Poland market with online purchase and 24/7 assistance.
Direct payment
Chubb Assistance can provide a direct guarantee of payment to the hospital or treating physician up to the limits specified in the insurance certificate, so the insured does not need to pay out of pocket. For low-cost treatments, the insured may be asked to pay on the spot and then claim reimbursement.
Geographic scope
Europe or Worldwide (excluding Cuba), depending on selected destination
Coverage applies during travel abroad (outside Poland). All sections apply to trips abroad; selected sections also apply to domestic trips in Poland. Geographic area (Europe or Worldwide) is specified in the insurance certificate.
Coverage limits
Medical expenses and emergency repatriation
Covered
Covers all reasonable costs medically necessary outside Poland for hospitalization, emergency transport services, surgical procedures, diagnostic procedures or treatment performed or prescribed by a physician, including hospital stay fees, and emergency repatriation costs. Basic tier: up to 200,000 PLN; Optimum tier: up to 500,000 PLN; VIP tier: up to 900,000 PLN. Coverage applies to trips abroad only.
Emergency medical treatment
Covered
Included within the medical expenses and repatriation section (Section 1 of the OWU). Covers all reasonable costs medically necessary outside Poland for emergency treatment including surgery, diagnostic procedures, and hospitalization, performed or prescribed by a physician. Basic: up to 200,000 PLN; Optimum: up to 500,000 PLN; VIP: up to 900,000 PLN. Treatment costs incurred in Poland are excluded.
Hospital cash benefit
Conditional
A daily cash benefit of 50 PLN per full day of hospitalization, up to a maximum of 2,000 PLN, payable when the insured is admitted to hospital abroad due to injury or illness giving rise to a valid claim under Section 1 (medical expenses and repatriation). Not available in the Basic tier (no coverage); available in Optimum and VIP tiers. Coverage applies to trips abroad only.
Outpatient treatment
Covered
Outpatient treatment is covered within the medical expenses section (Section 1). Covers medically necessary outpatient consultations, diagnostic tests and prescribed treatment performed or ordered by a physician outside Poland. Limits are shared with the overall medical expenses limit: Basic 200,000 PLN, Optimum 500,000 PLN, VIP 900,000 PLN. Treatments that can be postponed until return to Poland are excluded.
Emergency dental treatment
Covered
Covers all medically necessary and reasonable costs of emergency dental treatment incurred outside Poland solely for pain relief. Limit is 1,000 PLN across all tiers (Basic, Optimum, VIP). No deductible applies to this benefit.
Medical transport
Covered
Covers reasonable costs of emergency transport services (ambulance, air ambulance, or road ambulance) as part of the medical expenses and repatriation section. Costs are shared within the overall medical expenses limit: Basic 200,000 PLN, Optimum 500,000 PLN, VIP 900,000 PLN. Also covers travel costs for a companion/escort when medically necessary (215 PLN per day up to 2,150 PLN, or return ticket, up to 10 days, same across all tiers).
Medical evacuation and repatriation
Covered
Covers all reasonable costs medically necessary for Chubb Assistance to transport the insured back to Poland or to a more appropriate hospital in Poland. Organized and authorized by Chubb Assistance using regular transport connections or air/road ambulance services. Costs shared within the overall medical expenses limit: Basic 200,000 PLN, Optimum 500,000 PLN, VIP 900,000 PLN. Additional travel and hotel costs may only be incurred with prior consent of Chubb Assistance.
Repatriation of remains / cremation costs
Covered
Covers costs of cremation in the country of death or transport of remains/ashes to Poland in the event of the insured's death abroad. Limit: 21,500 PLN across all tiers (Basic, Optimum, VIP). No deductible applies. Cremation or burial costs in Poland are excluded.
Search and rescue
Not offered
Search and rescue costs are not explicitly covered as a standalone benefit in this policy. The OWU/IPID do not mention a separate search and rescue section or limit.
COVID-19 treatment
Covered
COVID-19 is treated as any other acute illness under Section 1 (Medical expenses and repatriation). The policy wording (CTI_PL_CM0002 COVID) explicitly includes unexpected acts of terrorism and does not exclude COVID-19 as a general exclusion, provided the illness was not pre-existing (diagnosed/treated in the 5 years before booking). Limits are shared with the overall medical expenses limit: Basic 200,000 PLN, Optimum 500,000 PLN, VIP 900,000 PLN. Travel to destinations with a Ministry of Foreign Affairs 'do not travel' advisory remains excluded.
Pre-existing medical conditions
Excluded
Pre-existing conditions are excluded. Specifically excluded are: (A) any illness diagnosed, treated, or requiring hospitalization/outpatient treatment in the 5 years before trip booking (or start of insurance period if later); (B) any pre-existing illness being treated by regular prescription medication at the date of booking; (C) any heart disease or cancer of any kind diagnosed at any time before booking. There is no waiver option for pre-existing conditions under this product.
Winter sports extension
Optional
Winter sports coverage is available as a paid add-on extension (Rozszerzenie o sporty zimowe), confirmed in the insurance certificate. When purchased, it extends the covered activities list to include skiing, snowboarding, glacier skiing, cross-country skiing, kite snowboarding, langlauf, ski touring, speed skating, snowblading, sledding, snow scooter/Ski-Doo. For annual multi-trip policies, winter sports travel may not exceed 21 days total per insurance period. Trips whose main purpose is winter sports are not covered without this extension.
Recreational sports and leisure activities
Conditional
A specified list of recreational sports and leisure activities is automatically covered (see OWU pages 11–13 for the full list), including hiking up to 1,000m a.s.l., scuba diving to 18m with qualified instructor, surfing, sailing on inland/coastal waters, cycling (excluding BMX and mountain biking), and many others. Activities NOT on the list are excluded. Professional or paid sports participation is excluded. Activities whose primary purpose is sport are excluded (unless the winter sports extension was purchased and applies). Extreme or high-risk activities not listed are not covered.
Pregnancy complications
Conditional
Pregnancy complications are covered under Section 1 (medical expenses and repatriation) subject to two conditions: (1) the insured must be travelling between weeks 28 and 35 of pregnancy; (2) the insured must have obtained written confirmation from a physician of fitness to travel no earlier than 5 days before departure abroad. Complications of which the insured was aware at the start of the trip are excluded. Limits shared with the overall medical expenses limit: Basic 200,000 PLN, Optimum 500,000 PLN, VIP 900,000 PLN.
Personal liability
Covered
Covers all amounts the insured is legally obligated to pay as compensation for accidental bodily injury (including death or illness) to another person or accidental loss/damage to property, occurring during the insurance period as a result of travel. Basic tier: up to 100,000 PLN; Optimum tier: up to 200,000 PLN; VIP tier: up to 500,000 PLN. Legal costs and expenses are additionally covered. Claims arising in the USA, Canada or their territories are excluded.
Legal costs incurred abroad
Covered
Covers legal costs arising from a claim where the insured sustains bodily injury or illness abroad due to the actions of a third party. Basic tier: up to 10,000 PLN; Optimum tier: up to 20,000 PLN; VIP tier: up to 40,000 PLN. Legal costs must be pre-approved in writing by Chubb. Claims must be filed within 12 months of the insured event. Claims against tour operators, travel agencies or the insurer itself are excluded.
24/7 Chubb Assistance
Covered
Chubb Assistance provides 24/7, 365-days-a-year emergency medical assistance and travel assistance services during trips abroad. Services include: emergency medical advice, coordination of hospital admission, direct payment guarantee to hospitals/physicians, arrangement of medical evacuation/repatriation, assistance with unaccompanied children, emergency financial transfer (up to 1,000 PLN per trip), message relay, emergency travel document assistance, interpreter services, and legal assistance. Contact: +48 800 01 27 91.
Key conditions
Policy specifics
Emergency repatriation
Coverage for emergency medical evacuation and repatriation of the insured person to their home country
Trip cancellation
Reimburses trip costs if the insured must cancel before departure due to covered reasons
Baggage and personal effects
Protection against loss, damage, or theft of baggage and personal belongings during travel
Age eligibility
Chubb Travel Insurance (Individual) covers persons up to 80 years of age
Pre-existing medical conditions waiver
Pre-existing conditions exclusion can be waived if policy purchased within 14-21 days of initial trip payment
Travel destination restrictions
No coverage for travel to countries on the Polish Ministry of Foreign Affairs travel warning list (countries with warnings against "all travel" or "non-essential travel")
Geographic scope options
Policy offers choice of coverage: Poland only, Europe, or worldwide depending on selected variant
Emergency assistance notification
Medical expenses claims must be reported to Chubb Assistance as soon as practicable and before incurring costs when possible