Sopockie Towarzystwo Ubezpieczeń ERGO Hestia S.A.

Covers necessary and immediate medical assistance including hospitalisation and outpatient treatment, dental treatment (up to 2,000 PLN), medical consultations, physician-prescribed medications and orthopaedic/dressing materials, repair or purchase of glasses and prostheses after an accident (up to 2,000 PLN), and 24/7 Emergency Call Centre support. Wariant I: 200,000 PLN; Wariant II: 500,000 PLN; Wariant III: 3,000,000 PLN. Transport costs (to/from medical facility, home repatriation) are excluded from the sum-reduction rule.

Emergency treatment (hospitalisation, surgical procedures, outpatient procedures) that cannot be deferred until the insured's return to Poland is covered within the overall medical sum. The Emergency Call Centre organises and arranges cashless payment with the hospital. Covered in all three variants within the medical expenses sum: Wariant I 200,000 PLN; Wariant II 500,000 PLN; Wariant III 3,000,000 PLN.

Hospitalisation costs are covered within the overall medical expenses sum (Wariant I: 200,000 PLN; Wariant II: 500,000 PLN; Wariant III: 3,000,000 PLN). No separate sub-limit. The Emergency Call Centre selects the hospital appropriate to the insured's condition and arranges transport.

Outpatient examination and treatment costs including tests, procedures, physician-prescribed medications (excluding vitamins, supplements and cosmetic creams) are covered within the overall medical expenses sum. No separate sub-limit. Wariant I: 200,000 PLN; Wariant II: 500,000 PLN; Wariant III: 3,000,000 PLN.

Emergency dental treatment is covered up to 2,000 PLN as part of the medical assistance benefit. Routine, non-emergency dental diagnostics and treatment are excluded. Available in all three variants within this sub-limit.

Covers transport from the scene of the event to the nearest or designated medical facility, transport between medical facilities abroad if required by the insured's condition, return transport home if required by the insured's condition and return was not possible by the planned means of transport, and return transport for unaccompanied minors or dependent persons. Transport costs are not deducted from the medical expenses sum. Covered in all three variants within the overall medical sum limits.

Medical evacuation including air or sea transport from the scene to the nearest medical facility is organised and covered by the Emergency Call Centre within the overall medical expenses sum. The Call Centre decides on the mode, timing and possibility of transport based on the insured's medical condition. Covered in all three variants.

In the event of the insured's death, cremation and transport of the body or ashes to the country of residence, or a funeral abroad, is covered regardless of cause of death, within the overall medical expenses sum. Covered in all three variants.

Covers searches conducted by specialist rescue services, on-site medical assistance at the scene, and transport (including air or sea) from the scene to the nearest medical facility, within the overall medical expenses sum. Applies to mountain rescue, sea rescue and other rescue operations. Covered in all three variants.

Sudden illness caused by COVID-19 (SARS-CoV-2 and its mutations) is covered as a regular illness within the medical expenses sum. Additionally, mandatory quarantine ordered by a physician or sanitary-epidemiological services is covered under the Podróż Assistance benefit: hotel accommodation with meals and return transport up to 10,000 PLN in all three variants. Quarantine mandatorily imposed by local authorities on travellers crossing borders of destination or transit countries is excluded.

Certain diagnosed chronic diseases and metabolic disorders are automatically covered without additional premium, provided the insured remains under medical supervision and follows the treating physician's recommendations: allergy, bronchial asthma, all types of diabetes, depression, discopathy, insulin resistance, atherosclerosis, hyperthyroidism, hypothyroidism, hypertension, obesity. All other chronic conditions require the optional 'Choroby przewlekłe' extension (paid add-on) to be covered. If the insured is found not to have followed their physician's recommendations after assistance is provided, ERGO Hestia reserves the right to reclaim the costs of services rendered.

Skiing and snowboarding on marked slopes are classified as 'ryzykowne' (risky) disciplines and require the optional 'Sport' extension for an additional premium. Off-piste skiing and snowboarding (freeride) are classified as 'ekstremalne' (extreme) and require the 'Sport wyczynowy' extension. Standard policy covers recreational sports only. The extensions cover consequences of accidents during the respective disciplines across all three variants.

Two optional extensions are available: (1) 'Sport' extension covers risky disciplines such as kitesurfing, horse riding, cross-country cycling, diving to 30 m, trekking to 5,300 m a.s.l., and many others. (2) 'Sport wyczynowy' extension covers extreme disciplines such as base jumping, boxing, canyoning, diving to 40 m, off-piste skiing/snowboarding, parachuting, MMA-excluded martial arts, expeditions to jungles/deserts/glaciers/poles, and high-altitude mountaineering to 5,300 m a.s.l. Both extensions are available as add-ons for all three variants.

Childbirth is excluded from coverage unless it occurs before the 32nd week of pregnancy, in which case it is treated as an emergency medical event and covered within the medical expenses sum. Termination of pregnancy is excluded unless performed to save the life or health of the insured and legally permitted in the country where performed. Routine pregnancy treatment is not covered.

Covers civil liability of the insured and their minor children for bodily injury or property damage caused to third parties during private life activities while travelling. Also covers: damage arising from ownership/use of accommodation (including rented), flooding damage, liability arising from supervision of minors, damage caused during recreational sports, liability for pets, and hire car excess up to 2,000 PLN in all variants. Wariant III additionally covers sports instructor professional liability (sub-limit 100,000 PLN). Sum: Wariant I 200,000 PLN; Wariant II 500,000 PLN; Wariant III 1,000,000 PLN.

Organisation and coverage of legal advice costs, legal representation, interpreter fees and bail intermediation when the insured enters into conflict with the law of a foreign country during travel. Available exclusively in Wariant III (limit 10,000 PLN). Not available in Wariant I or Wariant II. Legal assistance related to work or professional activity performed by the insured is excluded.

24/7 Emergency Call Centre provides a comprehensive suite of assistance services in all three variants: caregiver assistance (contact with relatives, forwarding personal items, hotel accommodation during treatment, companion transport and accommodation, care for minors and dependants, pet care); translation assistance up to 1,000 PLN; travel continuation up to 2,000 PLN; driver replacement up to 4,000 PLN; transport delay/cancellation coverage up to 1,000 PLN; travel interruption cover (Wariant I/II: 3,000 PLN; Wariant III: 10,000 PLN); property surveillance 2,000 PLN; property transport 2,000 PLN; property storage 2,000 PLN; pet care 1,000 PLN; coffin/urn purchase cover 5,000 PLN; mandatory quarantine hotel + return transport 10,000 PLN; business trip substitution 3,000 PLN (Wariant III only); legal assistance 10,000 PLN (Wariant III only). Insurance duration auto-extends 48 hours for force-majeure transport delays at no extra cost.