Inter Partner Assistance Polska Sp. z o.o.

Assistance call deadline

The insured must contact the Assistance Help Center (CPA) as soon as possible, no later than 48 hours after the insured event occurs under the medical expenses and assistance coverage. This obligation does not apply when the insured objectively could not contact the CPA due to their health condition. If the insured bore costs without CPA contact due to reasons beyond their control related to the event, they must contact the CPA immediately after those reasons cease, no later than 7 days from the date they ceased.

Unauthorized treatment

All costs incurred by the insured without the prior consent of the CPA (except for a single dental emergency visit for acute pain of one tooth, and a single outpatient visit arranged independently) are reimbursed only up to the amount the CPA would have incurred had it organized the service itself. The insurer is not obligated to cover costs exceeding this amount. If the insured consciously fails to fulfill the obligation to contact the CPA, the insurer may proportionally reduce the benefit to the extent the failure prevented establishing the circumstances of the event.

Purchase while abroad

The policy can be purchased while abroad only if the policyholder is renewing an existing policy with the same insurer before the previous policy expires. For new policies, when the insurance period starts on the same day as the contract conclusion, coverage begins only after 4 hours from premium payment. There is no specific provision permitting purchase while already abroad for new policies — only same-day renewals avoid the 4-hour waiting period.

Chronic conditions

Chronic diseases are defined as any health disorders diagnosed or treated in the 24 months preceding the policy inception date. In Urlopowicz tier: events related to chronic diseases, their exacerbations or complications are excluded from coverage unless the optional chronic disease rider is purchased. In Podróżnik and Zdobywca tiers: exacerbations of chronic diseases that occur during travel after its commencement qualify as 'sudden illness' and are covered up to the applicable medical expenses sum insured, provided the condition was in remission at the time of travel commencement (stable health, no symptoms requiring immediate medical consultation) and was not a contraindication to travel.

Pregnancy

Pregnancy-related events are largely excluded. Specifically excluded are: tests to confirm pregnancy, termination of pregnancy (unless for life-saving purposes), complications of high-risk pregnancy, complications after the 32nd week of pregnancy, and childbirth. Fertility treatment and artificial insemination are also excluded. However, the trip cancellation/interruption rider (optional) does cover pregnancy complications (hospitalization not later than the 32nd week) and premature birth (not later than the 32nd week) as valid reasons to cancel or interrupt a trip.

Pre-existing condition exclusions

Pre-existing conditions (health disorders or injuries that showed symptoms before the insurance period began) are excluded from medical expenses coverage. A condition is not considered a 'sudden illness' if it already showed symptoms before the start of the insurance period, even if it was not examined or treated by a physician. In Podróżnik and Zdobywca, chronic disease exacerbations that first manifest during travel (after departure) are covered as sudden illness if the condition was in remission at departure. Events related to traveling despite existing medical contraindications are excluded.

Coverage duration limit

For single-trip policies: minimum 1 day, maximum 1 year (365 days). For multi-trip annual policies: the insurance period is 1 year, but coverage applies only during the first 60 days of each individual foreign trip, regardless of the number of trips taken. For multi-trip policies, each trip must start and end in the country of permanent residence. The insurance period automatically extends by the time necessary for the return home (maximum 48 hours) if the insured cannot return as planned due to a natural disaster, vehicle breakdown, cancellation/delay of return transport due to bad weather, terrorist act, or traffic accident.

Medical Expenses and Assistance Services (Combined)

The product combines medical treatment cost coverage with 24/7 assistance services managed by Assistance Call Center. This is a mandatory core component of the policy.

Personal Accident Insurance (NNW - Następstwa Nieszczęśliwych Wypadków)

Mandatory component providing benefits for death, permanent health impairment, or hospitalization resulting from an accident. Must be purchased together with medical expenses coverage.

Trip Cancellation and Interruption Insurance

Optional coverage providing reimbursement for prepaid non-refundable trip costs in case of trip cancellation or interruption due to specified covered events

Baggage Insurance

Optional coverage protecting against loss, theft, or damage to luggage and personal belongings during travel

Travel Assistance Services

24/7 assistance services including emergency transport, accommodation during treatment organization, and emergency evacuation/repatriation

High Altitude Exclusion

Without optional extension, coverage excludes events occurring above 6,500 meters altitude, Antarctica, or Arctic regions

High-Risk Sports Insurance (Optional Extension)

Optional extension providing coverage for high-risk sports activities; excluded from base Urlopowicz package without this extension

Recreational Sports Coverage (Included in Base)

Base package includes coverage for recreational sports activities in designated locations without additional cost

Chronic Disease Exacerbation (Optional Extension)

Optional extension covering acute exacerbations of pre-existing chronic conditions; excluded from base coverage without this extension

Physical Work Abroad (Optional Extension)

Optional extension providing coverage for incidents during physical work performed abroad; excluded from base package

Rescue Cost Reimbursement

Base package includes reimbursement of actual rescue and emergency services costs

Three Package Tiers (Urlopowicz, Podróżnik, Zdobywca)

The product is offered in three tiers with varying coverage limits and benefit levels: (1) Urlopowicz (budget): KL 200,000 PLN, NNW 20,000 PLN, no baggage, no OC, no legal assistance; (2) Podróżnik (standard): KL 600,000 PLN, NNW 50,000 PLN, Bagaż 3,000 PLN, OC 250,000 PLN, legal assistance 3,000 PLN; (3) Zdobywca (premium): KL 40,000,000 PLN, NNW 150,000 PLN, Bagaż 6,000 PLN, OC 1,500,000 PLN, legal assistance 15,000 PLN, remaining property 25,000 PLN, lifestyle assistance. All tiers include 24/7 CPA duty, infolink, phone translations, and animal assistance.

Geographic Coverage Zones (Three Zones)

Coverage is zone-dependent with three selectable zones: (1) Europa — geographic region of Europe, plus Mediterranean basin countries: Algeria, Cyprus, Egypt, Georgia, Israel, Lebanon, Libya, Malta, Morocco, Syria, Tunisia, Turkey, Canary Islands, and Russia (including Asian part); (2) Świat bez USA i Kanady — all world states, excluding USA and Canada territory, Antarctica and Arctic; (3) Świat — all world states, excluding Antarctica and Arctic. Zone selection is mandatory at purchase and affects both premium and territorial coverage. Coverage never applies in Poland, country of permanent residence, Antarctica, Arctic, or areas above 6,500 m.

Four-Hour Initial Waiting Period (Same-Day Purchase)

When the insurance period starts on the same day as the contract conclusion, coverage begins only after 4 hours from premium payment (not from contract signing). This waiting period does not apply if the policy is a renewal of a previous policy with the same insurer and the renewal occurs before the expiry of the previous policy period. The 4-hour rule applies to all coverages except trip cancellation, which begins the day after policy conclusion.

Permanent Residence / Poland Exclusion

Coverage explicitly applies only during foreign travel outside Poland and the insured's country of permanent residence. For medical expenses, baggage, civil liability, and other coverages: protection begins when the insured crosses the border of their country of permanent residence upon departure and ends when they re-enter upon return. For accidental death/injury: protection begins when the insured leaves their home address with immediate intention to start the trip and ends upon return home. The product is designed exclusively for foreign travel outside Poland and the country of permanent residence.

Claim Filing Deadline (7 Days After Return)

The insured must file a claim (roszczenie) with the insurer no later than 7 days after returning to their country of permanent residence. The claim submission should include: completed damage report form, medical documentation, police report (if applicable), invoices and payment proofs, statements from injured parties or witnesses, luggage receipt confirmation, and carrier's information on claim settlement. Late filing may result in reduced benefit if the delay contributed to inability to establish relevant circumstances.

Mandatory Core Components

To conclude the insurance contract, medical expenses and personal accident (NNW) coverage must be purchased; remaining coverage is optional

Claim Notification Requirement (48 Hours)

Insured must contact Assistance Help Center within 48 hours of incident; Help Center operates 24/7 year-round and provides instructions for further claim procedures

Assistance Pre-authorization Requirement

Insured must follow Assistance Help Center guidance and obtain authorization for medical treatment; private medical treatment not covered without explicit Assistance authorization

Seven-Day Claim Filing Deadline

Insured must submit claim with proper documentation within 7 days of return to country of permanent residence; includes damage report form and supporting medical/injury documentation

Intra-Schengen and International Travel Focus

Product specifically designed for travel outside Poland and permanent residence; particularly suitable for Schengen area travel and broader international coverage