Insurance Company INTER Polska Joint Stock Company

Mandatory and core coverage covering necessary and documented costs of treatment and transport arising during travel outside Poland or the country of permanent residence in connection with sudden illness or accident. Includes outpatient treatment, hospitalisation, prescribed medications, dental emergency (up to 250 EUR), glasses/prosthetics repair after accident (up to 200 EUR), medical transport, and repatriation. The insured sum is declared per policy and per insured person; Zone I (Europe/Mediterranean) and Zone II (worldwide) variants available. Sum applies per insured individually and is reduced by paid claims.

Covered within the medical expenses module. Includes outpatient medical care (examinations and procedures ordered by a doctor), medical consultations including home visits arranged by Centrum Pomocy INTER Polska, hospitalisation including surgery that could not be postponed until return to Poland, and purchase of prescribed medications and dressings. Triggered by sudden illness (nagłe zachorowanie) or accident occurring abroad.

Covered within the medical expenses module up to the insured sum. Includes hospital stay, treatment, procedures, and operations that could not be postponed until return to Poland or the country of permanent residence. The OWU defines hospitalisation as medical assistance for diagnosis and treatment in a hospital lasting at least 24 hours. Post-hospitalisation accommodation costs abroad also covered by Assistance (up to 200 EUR/day, up to insured sum).

Covered within the medical expenses module. Includes examinations and procedures ordered by a doctor at a medical facility lasting less than 24 hours, as well as medical consultations with travel to the nearest health care facility arranged by Centrum Pomocy INTER Polska.

Covered within the medical expenses module. Limited to treatment of acute inflammatory and pain conditions only, up to 250 EUR for one and all dental events occurring during the insurance period requiring immediate medical assistance. Excludes dental prosthetics, crowns, orthodontics, and technical medical devices.

Covered within the medical expenses module up to the insured sum. Includes: transport from the scene of accident or sudden illness to the nearest medical facility; transport to another medical facility on written request of the treating physician; transport from medical facility to accommodation abroad; transport back to Poland or country of permanent residence (to medical facility or home address) if health condition allows and upon written recommendation of treating physician. Continuation of journey after hospitalisation also organised and covered.

Covered within the medical expenses and assistance modules up to the insured sum. Transport back to Poland or country of permanent residence is organised and paid for by Centrum Pomocy INTER Polska when medically necessary (written recommendation of the treating physician required). The mode of transport is decided by the Assistance Centre doctor in consultation with the treating physician abroad. If the insured refuses a medically-approved transport, coverage ceases immediately.

Covered within the medical expenses module up to the insured sum. Includes transport of the insured's mortal remains to the place of burial in Poland or country of permanent residence, or costs related to cremation or funeral abroad. Reimbursement for cremation or funeral abroad is limited to the equivalent of the cost of repatriation to Poland organised by Centrum Pomocy INTER Polska.

Covered within the Assistance module. If the insured goes missing during travel, INTER Polska covers the actual costs of search operations in mountains, on land and at sea conducted by specialised units (search costs) and the costs of emergency medical assistance (rescue costs), up to the equivalent of 5,000 EUR per one and all such events in the insurance period. Exclusions apply if the insured failed to follow safety rules, practised sports in unauthorised locations, or ignored pre-trip safety regulations.

Covered within the Assistance module. If the insured comes into conflict with local law abroad and the charges relate exclusively to civil liability, Centrum Pomocy INTER Polska organises legal assistance and covers attorney fees up to 1,000 EUR. Not covered if the conflict arose from: conducting business or working abroad, driving or storing a motor vehicle, or committing or attempting to commit a crime. INTER Polska is not liable for the actions of the legal assistance provider.

24/7 telephone duty at Centrum Pomocy INTER Polska is included for every insured who has concluded a medical expenses insurance contract (§5 ust.2 pkt 2 and §5 ust.3 pkt 1). Assistance services include: guarantee of payment of treatment costs, message relay to family/employer, travel companion costs (accommodation up to 100 EUR/day, max 7 days), post-hospitalisation accommodation (up to 200 EUR/day up to sum), travel continuation after hospitalisation, child care and return, close relative visit (if hospitalisation ≥10 days and life-threatening), replacement driver (up to 500 EUR), organisation of post-return treatment/rehabilitation and psychology consultations.