Generali Travel insurance (Generali Z Mysla O Podrozy)

Covers medical expenses up to 5,000,000 PLN per insured person per insured event for acute illness, exacerbation of chronic disease, or accident occurring during international travel after crossing the Polish border. Covered costs include: outpatient procedures ordered by a doctor, medical consultations, medications and dressings, orthopedic aids, hospitalization where deferral is not possible, physician house calls, isolation facility stay for WHO-declared pandemic diseases, physician fees. Includes COVID-19 treatment. The sum insured is stated in the insurance document. Coverage applies exclusively outside Poland and outside the insured country of residence.

Emergency treatment is covered within the overall medical expenses sum insured (up to 5,000,000 PLN). Includes emergency outpatient consultations, ambulatory procedures, medications ordered by a physician, and physician house calls to the insured accommodation when required. No separate sub-limit; shares the medical expenses sum insured.

Hospitalization abroad is covered within the overall medical expenses sum insured (up to 5,000,000 PLN). Covers hospital stay including treatment, diagnostics, surgery where deferral to Poland is not possible given the insured health condition. The Assistance Center selects the hospital, reserves a bed, arranges transport and settles costs directly with the hospital. No separate sub-limit; shares the medical expenses sum insured.

Outpatient treatment abroad is covered within the overall medical expenses sum insured. Includes ambulatory procedures ordered by a physician, medical consultations, physician house calls, medications, dressings and orthopedic aids prescribed by a physician, and follow-up visits (suture or cast removal or dressing change within 30 days of the first post-accident visit; follow-ups after sudden illness or chronic disease exacerbation if recommended by the treating physician and approved by the Assistance Center doctor). No separate sub-limit; shares the medical expenses sum insured.

Dental treatment for acute pain or inflammatory conditions is covered up to EUR 200 in total for all illnesses requiring immediate medical care arising during the insurance period. Elective dental treatment and prosthetics are excluded.

Transport of the insured from the scene of an accident, sudden illness or chronic disease exacerbation to the nearest hospital or medical facility (including specialist mountain, sea or ocean rescue services if the insured location is known) is covered. Transport from a medical facility to the accommodation abroad after treatment is reimbursed up to EUR 200. The cost of this transport does not reduce the medical expenses sum insured, but is capped at a separate sum insured for transport of the insured stated on the policy.

Generali organizes and covers the cost of medical transport of the insured to a medical facility or place of residence in Poland or country of residence if required by health condition or if the pre-planned transport cannot be used. The transport means is selected by the Assistance Center physicians in consultation with the treating physician. The cost does not reduce the medical expenses sum insured, but is capped at a separate sum insured for transport of the insured stated on the policy.

In the event of the insured death during international travel regardless of cause, Generali organizes all formalities and covers transport of the remains to the place of burial in Poland or country of residence. Also covers cremation and urn transport or burial abroad up to the cost of transporting remains to Poland. Additionally covers cost of a transport coffin up to EUR 1,000. The transport cost does not reduce the medical expenses sum insured, but is capped at a separate sum insured for transport of the insured stated on the policy.

Generali covers the costs of search operations and rescue operations in mountains, at sea or in the ocean up to the assistance sum insured stated in the insurance document. Search is defined as the period from receipt of the missing-person report by specialized rescue services until the insured is found or rescue services decide to end the search. Rescue is defined as first-aid rendered from discovery until handover to medical services. Kidnapping-related costs are not covered.

COVID-19 is covered as an acute illness within the standard medical expenses coverage (up to 5,000,000 PLN). Additionally if isolation in a facility is required and organized by state medical services and confirmed by a diagnostic test for a WHO-declared pandemic disease, the isolation facility stay is covered if the pre-booked accommodation cannot be used or the reservation expires during quarantine.

Acute exacerbation of a chronic disease is covered up to 100% of the medical expenses sum insured. A chronic disease is defined as one diagnosed, treated or showing symptoms in the 24 months preceding the policy inception date. Coverage activates only if the exacerbation occurs suddenly after crossing the Polish or country-of-residence border, requires immediate medical assistance and necessitates treatment before the end of the trip. General routine treatment of chronic diseases without acute exacerbation is excluded. Travel undertaken despite existing medical contraindications is excluded entirely.

Coverage for winter sports must be purchased as a paid add-on. Defined as practicing all forms of skiing or snowboarding on marked trails in winter conditions. Without this extension events from winter sports are excluded from medical expenses, accident and liability coverage. When purchased it also unlocks additional assistance benefits: proportional ski pass refund up to PLN 800, ski closure compensation PLN 100 per day or up to PLN 700 transport and pass costs, proportional ski equipment rental refund up to PLN 700, and avalanche accommodation costs up to PLN 250 per day with PLN 500 total maximum.

Coverage for high-risk sports must be purchased as a paid add-on. Defined as winter sports PLUS: mountain sports (off-piste skiing and snowboarding, heliskiing, downhill, speleology, bouldering, rock and ice climbing with safety equipment at 4,000-6,000 m if expedition not exceeding 6,000 m), aerial sports (hang gliding, powered hang gliding, paragliding, skydiving, gliding), motorized and motorized-water sports (quad, racing, motorboating), water sports (kitesurfing, water skiing, wakeboarding, scuba diving below 15 m, free diving, river rafting), street luge, bungee, parkour, combat sports excluding MMA, and expeditions to Antarctica or Greenland. MMA, professional sports and mountaineering above 6,000 m are ALWAYS excluded regardless of extension.

Pregnancy and its consequences are generally excluded. Exceptions covered: (1) premature birth before the 32nd week of pregnancy and associated care of mother and child up to EUR 2,000; (2) one medical visit for sudden deterioration of health related to pregnancy excluding childbirth itself and associated transport to a medical facility up to EUR 150. All other pregnancy-related costs including normal birth are excluded. Artificial insemination, infertility treatment and contraceptives are excluded.

Civil liability coverage for personal injury and property damage caused to third parties during travel in the course of private-life activities is available as an optional paid add-on. Covers liability from: care of minor children, care of pets, use of tourist accommodation, everyday activities, use of non-motorized vehicles and e-scooters, model aircraft and drones up to 1 kg, small watercraft for personal use. Also covers necessary expert fees up to 20% of sum insured and court defense costs. The sum insured is per person as stated in the insurance document. Excluded: contractual liability, damage to family members, intentional damage, motorized vehicles, professional or commercial activities, MMA and professional sports.

If the insured becomes involved in a legal conflict abroad, the Assistance Center organizes and pays for an attorney and interpreter provided the charges relate exclusively to civil liability under the law of the country concerned. Legal assistance up to EUR 1,200 total for all events during the insurance period. Excluded: business or professional activities, employment abroad, ownership or use of a motor vehicle. Additionally bail payment up to EUR 1,200 may be advanced if the insured is detained; the insured must repay within 7 days of return no later than 45 days of the advance.