Colonnade Travel insurance (Wyjazdy Zagraniczne)

Covers necessary medical treatment costs incurred abroad due to sudden illness or accident during the trip. Silver variant: 50,000 EUR; Gold variant: 200,000 EUR; Platinum variant: 10,000,000 EUR. Includes outpatient procedures, doctor consultations, hospitalisation, purchase of prescribed medicines, and emergency dental treatment.

Covers costs of treatment that must be administered immediately due to sudden illness or accident. Treatment is covered to the extent necessary to restore the insured's health to a condition enabling return or transport to Poland or country of permanent residence. Included within the overall medical expenses and assistance sum.

Covers hospitalisation costs including treatment, diagnostic tests and operations that could not be postponed until return to Poland. Assistance Centre selects the appropriate hospital, makes reservations and organises transport to and from hospital. Covered within the overall medical expenses and assistance sum across all three tiers.

Covers outpatient examinations and procedures recommended by a doctor, doctor consultations and fees, and doctor home-call to place of accommodation. Covered within the overall medical expenses and assistance sum across all three tiers.

Covers dental treatment in cases of acute pain or inflammation requiring immediate medical assistance, or when treatment was necessary due to an accident. Silver: 500 EUR; Gold: 700 EUR; Platinum: 1,000 EUR. Covered within the overall medical expenses and assistance sum.

Covers transport from the site of accident or sudden illness to the nearest hospital or healthcare facility, transport between hospitals or healthcare facilities on doctor's orders, and transport to place of accommodation after medical assistance. Stated as 'bez limitu' (unlimited) – the insurer covers actual costs up to the amount corresponding to the costs of organising such transport by the Assistance Centre.

Covers organisation and costs of transport to a healthcare facility or place of residence in Poland or country of permanent residence when the insured's health condition requires it, including in cases of COVID-19. The Assistance Centre in consultation with the treating doctor decides on necessity and destination. Stated as 'bez limitu' (unlimited) – actual costs up to the amount the Assistance Centre would incur to organise such transport to Poland. Cost does not reduce the medical expenses and assistance sum.

Covers organisation and costs of transporting mortal remains to the place of burial in Poland or country of permanent residence in the event of death caused by sudden illness or accident during the trip, including COVID-19. Stated as 'bez limitu' – actual costs up to the amount the Assistance Centre would incur. Also covers transport coffin purchase up to the equivalent of 1,500 EUR. Cost does not reduce the medical expenses and assistance sum.

Covers costs of search and rescue in mountains and at sea when the insured's situation requires it as a result of an accident or sudden illness. Includes search by specialist rescue services, emergency medical assistance at the site, and transport from the accident site to the nearest required medical point using specialist means such as sleds, helicopter, toboggan or motorboat. Covered up to the medical expenses and assistance sum.

Coverage for medical treatment costs in case of COVID-19 illness is included in the standard scope of all three variants. Medical transport and repatriation of remains in case of COVID-19 are also covered. Additionally, a quarantine benefit covers necessary extra accommodation, food, transfer to airport and return transport costs if the insured is forced to extend their stay due to COVID-19 infection confirmed by positive test, or compulsory quarantine imposed by local health authorities.

Medical treatment costs resulting from a sudden acute exacerbation of a chronic disease (including cancer) requiring immediate medical assistance before the end of the foreign trip are covered within the standard medical expenses sum, subject to tier-specific sub-limits. Silver: 50,000 EUR; Gold: 200,000 EUR; Platinum: 500,000 EUR. Coverage does not apply if there were medical contraindications to travel before departure. A chronic disease is defined as one that was diagnosed, treated or showed symptoms in the 24 months preceding the insurance contract date.

Optional extension available for additional premium. Extends coverage to events occurring during winter sports activities (as defined in OWU Article 4 point 2, including alpine skiing, snowboarding, ski touring on marked trails, biathlon, ski jumping, etc.). Extends medical expenses and assistance, personal accident, and personal liability. Also includes: ski lift pass refund (up to 250 EUR), closed ski run benefit (20 EUR/day, max 200 EUR), ski equipment hire refund (20 EUR/day, max 200 EUR). Available for all tiers.

Optional extension available for additional premium. Extends coverage to events occurring during extreme sports (as defined in OWU Article 4 point 3, including mountaineering, BASE jumping, bungee jumping, canyoning, freeride, rafting, freediving, parachuting, etc.). Extends medical expenses and assistance, personal accident, and personal liability. Available for all tiers.

Immediate medical assistance related to complications arising from pregnancy and associated transport to a medical facility are covered within the medical expenses sum. Premature birth up to and including week 32 of pregnancy is also covered (benefit paid for both mother and child up to the insured sum). Coverage does not apply to birth occurring after week 32 of pregnancy, or to termination of pregnancy except when performed to save the life or health of the mother.

Covers private-life civil liability (not related to business or gainful activity) for bodily injury and property damage caused to third parties by a wrongful act. Also covers liability for persons and animals for which the insured is responsible. Bodily injury sub-limit: Silver 100,000 EUR / Gold 200,000 EUR / Platinum 500,000 EUR. Property damage sub-limit: Silver 10,000 EUR / Gold 20,000 EUR / Platinum 50,000 EUR. Includes amateur sports events; winter and extreme sports events only if those optional extensions are purchased.

Covers costs of legal assistance (lawyer's fees, necessary translation costs and court proceedings costs) if the insured is accused of violating criminal or misdemeanour law abroad, or suffered personal or property damage from a third party's wrongful acts and is seeking compensation. Silver: 3,000 EUR; Gold: 5,000 EUR; Platinum: 10,000 EUR. Does not cover matters relating to the insured's business activities, vehicle ownership/operation, disputes with travel companions or insurer, or contractual liability.