Generali Towarzystwo Ubezpieczeń S.A.

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 (up to 5,000,000 PLN). Includes ambulatory procedures ordered by a physician, medical consultations, physician house calls, medications, dressings and orthopedic aids prescribed by a physician. One follow-up visit (suture removal, cast removal, dressing change) within 30 days of the first post-accident visit, and follow-up visits related to acute illness or chronic disease exacerbation if recommended by the treating physician and approved by the Assistance Center, up to EUR 150 total for such visits. 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 within the overall assistance sum insured. Transport from a medical facility to the accommodation abroad after treatment is reimbursed up to EUR 200. Transport cost does not reduce the medical expenses sum insured; it is covered up to the separate assistance sum insured stated in 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; it is covered up to the assistance sum insured stated in 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. Transport cost is covered up to the assistance sum insured stated in the policy and does not reduce the medical expenses sum insured.

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.

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.

The Generali Assistance Center is available 24/7 and provides coordination, organization and payment of emergency assistance services during international travel. Core services include: phone duty and information in Polish, notification of family about the insured health condition, organization and payment of medical transport to Poland, repatriation of remains including transport coffin up to EUR 1,000, care of minor children traveling with the insured up to EUR 100 per day for max 7 days, transport of accompanying persons in the event of the insured death, transport and stay of a person summoned to accompany the insured in case of hospitalization exceeding 7 days up to EUR 100 per day for max 7 days, replacement driver service up to EUR 1,000, business trip substitute up to EUR 500, emergency extension up to 24 hours, flight delay reimbursement up to EUR 100 for delays of at least 6 hours, USA entry denial ticket refund PLN 2,000, camera data recovery PLN 500, financial aid up to EUR 500 for lost payment means, personal item shipment up to EUR 100, translator up to EUR 250, senior assistance for parents aged 60 and over with medical assistance up to PLN 2,000 and home assistance up to PLN 1,000.