Compensa Travel insurance (Compensa Podroz)

Covers all medically necessary costs of treating illness or accident consequences during foreign travel, including hospitalisation, surgical operations, outpatient diagnostics and procedures (including chronic disease exacerbation), medications, auxiliary aids (up to PLN 2,000), convalescence, continuation of treatment after return to Poland (up to PLN 5,000 within 6 months), tropical disease treatment after return (up to PLN 15,000 within 30 days of policy expiry), and telephone medical consultations. Sum insured selectable from EUR 20,000 to EUR 500,000.

Compensa organises and covers costs of hospitalisation and surgical operations, as well as outpatient diagnostic visits and physician-ordered tests, that are medically necessary due to illness (including chronic disease exacerbation) or accident during foreign travel. Covered up to the selected medical expenses sum insured (EUR 20,000–500,000). Also explicitly covers infectious viral diseases such as Covid-19 and SARS.

Covers costs of hospitalisation and surgical operations medically necessary due to illness (including chronic disease exacerbation) or accident during foreign travel, within the selected sum insured (EUR 20,000–500,000). Includes decompression chamber costs. Separate sub-benefit: companion stay and travel costs up to EUR 200/day for up to 7 days if hospitalisation lasts at least 7 days (adults only).

Covers costs of outpatient physician visits and physician-ordered diagnostic tests medically necessary due to illness or accident during foreign travel, including chronic disease exacerbation, within the selected sum insured (EUR 20,000–500,000). If the insured self-organises, costs are reimbursed.

Covers costs of immediate dental care for acute pain or inflammation not caused by tooth decay, up to EUR 500 within the selected medical expenses sum insured. Prophylactic and prosthetic dental treatment (including implant replacement) is explicitly excluded.

Covers transport from the site of illness or accident to the nearest medical facility, between medical facilities, and return transport from a medical facility to the insured's place of stay during foreign travel, within the assistance sum insured. Transport costs do not reduce the medical expenses sum insured.

When medically necessary, Compensa organises and covers transport of the insured from abroad to hospital or place of residence in Poland or country of permanent residence, using a mode of transport appropriate to the insured's health condition per physician instructions. Prior consent of the Alarm Centre is required. Cost is capped at the amount the Alarm Centre would incur if organising the transport itself, up to the assistance sum insured.

In the event of death during foreign travel, Compensa organises and pays for transport of the remains to Poland or country of permanent residence. If the funeral or cremation takes place abroad, only those costs (plus urn purchase and transport) are covered. Transport costs do not reduce the medical expenses sum insured. Capped at the amount the Alarm Centre would incur, up to the assistance sum insured.

If the insured goes missing during foreign travel, the Alarm Centre organises a search by specialised rescue services and covers the costs of the search operation and first medical aid provided by those services. Costs covered within the assistance sum insured (EUR 20,000–500,000).

Compensa explicitly covers medically necessary treatment costs incurred during foreign travel due to infectious viral diseases such as Covid-19 or SARS, within the selected medical expenses sum insured (EUR 20,000–500,000). This is stated as a specific inclusion in Clause 1 §1 section 4 of the OWU.

Acute exacerbation of a chronic disease (diagnosed before the contract was concluded) is explicitly covered as a 'disease' under the OWU definition and within the medical expenses and assistance sums insured, without an additional premium. Coverage applies to hospitalisation, outpatient treatment, and diagnostics related to a chronic disease exacerbation during foreign travel. Planned treatment that was the purpose of the trip is excluded, as are mental illness, congenital defects, venereal diseases, and HIV-related conditions.

Amateur winter sports (skiing, snowboarding, sledging on designated slopes, ice skating, ice hockey on rinks, etc.) are included in the base product without additional premium. In addition, the assistance scope includes refund of unused ski pass or sports school fees (up to EUR 250 above the assistance sum insured) if the insured cannot use them due to illness or accident.

Extreme sports (abseiling, alpinism, BASE jumping, downhill MTB, heli-skiing, parkour, rugby, American football, skydiving, etc.) and competitive sports participation are excluded from the base product. Coverage can be extended by paying an additional premium for extreme sports or for competitive sports participation. Without this extension, claims arising from extreme or competitive sports are not covered.

Costs related to childbirth occurring after the 32nd week of pregnancy and all costs related to postnatal care of mother and child (regardless of week) are explicitly excluded. Complications of pregnancy that require emergency medical treatment before the 32nd week of pregnancy are not explicitly excluded and may be covered under the general illness provisions, subject to general policy conditions.

Optional add-on clause covering civil tort liability for personal injury and property damage caused to third parties during foreign travel in the course of private life activities. Sum insured selectable from EUR 25,000 to EUR 250,000 (including return of impounded deposit for rented car, e-bike, scooter, moped, or motorcycle). Extension for professional placement/traineeship/volunteering available within selected sum. Extension for waiver of excess/deductible for rented car (not older than 10 years, GVW up to 3.5t, up to 9 seats) available up to PLN 7,000 for an additional premium. Base free limit for rental car excess return is PLN 750.

Included in the base assistance scope. If the insured needs legal assistance regarding civil liability under the law of the country of travel, Compensa organises and pays for a lawyer and translator to handle explanatory proceedings on the insured's behalf. Covers attorney and translator fees up to EUR 5,000 above the assistance sum insured. Excluded: criminal liability, business/professional activity, vehicle ownership/driving.