Chubb Travel Insurance Travel insurance (Chubb Travel Insurance)

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.

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.

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 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.

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.

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).

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.

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 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 is not named in the OWU; it is treated like any other illness under Section 1 (Medical expenses and repatriation), subject to the pre-existing condition exclusions. 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 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 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.

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 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.

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.

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.