LINK4 Towarzystwo Ubezpieczeń Spółka Akcyjna
LINK4
LINK4 is a travel insurance for the Poland market with online purchase and 24/7 assistance.
Direct payment
Link4 organizes and directly covers medical treatment costs and assistance services through its 24/7 Alarm Centre (Centrum Alarmowe, operated by Europ Assistance Polska Sp. z o.o.). The insured must contact the Alarm Centre before seeking treatment whenever possible. Direct settlement is the standard; reimbursement is available if prior contact was impossible.
Geographic scope
Europe and World (excluding Poland and country of residence)
Three variants available: Poland (domestic), Europe and Mediterranean Basin, World (all countries excluding Poland and country of residence). For foreign travel variants, Poland and the insured's country of residence are always excluded.
Unique selling points
- Medical expenses and assistance sum insured raised to 2,000,000 PLN (from 17 June 2025), among the highest available on the Polish travel insurance market.
- Chronic disease exacerbation coverage included in the standard policy at 100% of the medical sum insured, with no additional premium required – a significant improvement over the previous 20%-limit optional extension model.
- Fully customizable coverage: the insured selects the territorial scope (Poland / Europe / World), sum insured, and optional add-ons online in minutes, allowing precise tailoring to individual trip needs and budget.
- 24/7 Alarm Centre (Europ Assistance Polska) provides direct coordination and payment of medical costs abroad, eliminating out-of-pocket advance payments in most cases.
- Annual policy option available for frequent travellers, covering all foreign trips within a 12-month period without needing to purchase a new policy before each departure.
Coverage limits
Medical treatment costs (KL)
Covered
Covers necessary and documented costs of medical treatment, outpatient procedures, medications, doctor consultations, and hospitalization arising from sudden illness or accident during foreign travel, up to the chosen sum insured. From 17 June 2025, the maximum selectable sum insured was raised to 2,000,000 PLN.
Emergency medical treatment
Covered
Covered as part of the medical expenses (KL) insurance. Link4 covers costs of emergency outpatient procedures, laboratory tests, prescriptions, doctor consultations, and emergency hospital treatment that could not be postponed until return to Poland, up to the sum insured stated in the policy document.
Hospitalization
Covered
Link4 covers costs of hospitalization (treatment, procedures and operations) that could not be postponed until return to Poland, within the overall medical expenses sum insured. The Alarm Centre arranges the choice of hospital and settles costs directly.
Outpatient treatment
Covered
Covered as part of the medical expenses sum insured: outpatient diagnostic tests, outpatient procedures, infusions, and prescriptions for medications and wound dressings prescribed by a physician in connection with a sudden illness or accident.
Emergency dental treatment
Covered
Link4 covers emergency dental treatment in cases of acute pain or inflammation requiring immediate medical assistance, or when necessitated by an accident, up to a limit of 150 EUR per insurance period (covering all events during the period).
Medical transport
Covered
Link4 organizes and covers costs of transporting the insured from the site of the accident or sudden illness to the nearest hospital or medical facility, and transfer between medical facilities if the current one cannot provide adequate care. Transport is covered within the overall medical expenses sum insured.
Medical evacuation / repatriation
Covered
Link4 organizes and covers transport of the insured back to Poland (to the nearest hospital to their place of residence where treatment can be continued, or to their place of residence), when required by the insured's health condition and confirmed by a written recommendation of the treating physician verified by the Alarm Centre. Available when the originally planned means of transport cannot be used.
Repatriation of remains
Covered
Link4 organizes and covers the cost of transporting the remains of the insured to Poland (or another country indicated by the family, but capped at the cost of transport to Warsaw) in the event of death from a sudden illness or accident during foreign travel. The Alarm Centre decides on the method of transport in consultation with the family.
Search and rescue
Covered
The Alarm Centre covers costs of search and rescue of the insured by specialized mountain and water rescue units, up to 6,000 EUR.
COVID-19 treatment
Conditional
COVID-19 may be covered as a sudden illness if it meets the OWU definition of a sudden illness (unexpected, requiring immediate medical attention). However, if COVID-19 was declared an epidemic by the authorities of the destination country before the trip began, coverage may be excluded under general epidemic exclusions. No explicit separate COVID-19 coverage clause found in official sources.
Pre-existing / chronic conditions
Covered
From 17 June 2025, chronic disease coverage (deterioration due to exacerbation of a pre-existing chronic condition) is included in the standard policy at up to 100% of the medical expenses sum insured, without additional premium. A chronic disease is defined as any health disorder with one or more of: permanence, disability, irreversible pathological changes, need for special rehabilitation, or expected long-term supervision. Pre-existing conditions that are NOT chronic (i.e., diseases existing before the policy start but not meeting the chronic disease definition) remain excluded.
Winter sports extension
Optional
Amateur winter sports (skiing, snowboarding, sledding, ice skating) are not covered under the standard policy. Coverage for amateur winter sports can be purchased as an optional paid extension. The extension also covers costs of unused ski passes and rented equipment in case of injury, compensation for closed ski slopes (up to 25 EUR/day or 150 EUR for an alternative resort), and accommodation costs in the event of an avalanche (up to 100 EUR).
High-risk / adventure sports extension
Optional
Amateur participation in high-risk sports (as defined in the OWU: alpinism, rock climbing, ballooning, hang gliding, paragliding, gliding, piloting aircraft, rafting, cliff diving, white-water sports, technical diving, bungee jumping, skydiving, speleology, motorsports, combat sports, hunting, horse riding, bobsleigh, ski jumping, off-piste skiing, water skiing, kitesurfing*, heliskiing, heliboarding, mountainboarding, parkour, free run, B.A.S.E. jumping, downhill, streetluge, racing, and speed trials) is excluded from the standard policy. An optional paid extension must be purchased. *Kitesurfing was included in standard coverage from 17 June 2025.
Pregnancy complications / premature birth
Conditional
Link4 covers costs of childbirth occurring before the 32nd week of pregnancy and associated care for the mother and child, up to 2,000 EUR. Complications from the 32nd week onward, planned pregnancy management, termination of pregnancy (unless performed to save the insured's life or health), and fertility treatments are excluded.
Personal liability (OC in private life)
Optional
Optional coverage for civil liability of the insured towards third parties for damage caused by unlawful acts during foreign or domestic travel in the course of private activities. As of 17 June 2025, the maximum sum insured was raised to 1,000,000 PLN. A franchise integral of 500 PLN per event applies. Damage to property belonging to the insured or rented by the insured, damage caused to family members or to co-insured persons, and damages arising from professional activities are excluded.
Legal assistance (bail bond and translator)
Covered
The Alarm Centre provides a refundable advance (bail bond) of up to 10,000 EUR if the insured is detained by law enforcement abroad and bail is required. Additionally, the Alarm Centre covers interpreter fees up to 200 EUR if the insured faces a civil law dispute abroad. Not available for criminal cases, professional activities, or drug/alcohol smuggling.
24/7 Alarm Centre assistance
Covered
A 24/7 Alarm Centre (operated by Europ Assistance Polska Sp. z o.o.) is available at the phone number stated in the policy document. The insured must contact it immediately (no later than possible) upon any covered event. The Alarm Centre coordinates medical transport, hospitalization, repatriation, search and rescue, companion accommodation, children's transport, early return, and other assistance services.
Key conditions
Assistance call deadline
The insured must contact the 24/7 Alarm Centre immediately, no later than the moment contact becomes possible, upon the occurrence of any covered event (sudden illness or accident). Costs incurred without prior consent of the insurer's representative are not reimbursed, unless contact was impossible for reasons beyond the insured's control (OWU §35.1).
Unauthorized treatment
If the insured incurs medical expenses without prior authorization from the Alarm Centre, Link4 may refuse reimbursement in full or in part, unless it was objectively impossible to contact the Alarm Centre. The insured must always follow the instructions of the Alarm Centre (OWU §35.1, §36).
Purchase while abroad
If the policy is concluded after the start of the foreign trip, coverage cannot begin earlier than the 3rd day from the date of submitting the insurance application. The premium is paid in a lump sum. Coverage commences from the date stated in the policy document, but not earlier than the day following payment of the premium (OWU §10.4).
Chronic conditions
From 17 June 2025, coverage for deterioration of a pre-existing chronic disease is included in the standard policy up to 100% of the medical expenses sum insured, without any additional premium. A chronic disease is defined as any health disorder characterized by permanence, disability, irreversible pathological changes, or requiring long-term supervision. Prior to 17 June 2025, chronic disease cover was limited to 20% of the sum insured and required a paid extension.
Pregnancy
Coverage is limited to childbirth occurring before the 32nd week of pregnancy and associated care for the mother and child (up to 2,000 EUR). Coverage does not apply to: planned pregnancy management, complications from the 32nd week of pregnancy, termination of pregnancy (unless to save the insured's life or health per applicable law), artificial insemination, or other fertility treatments (OWU §13.1.6, §16.3).
Pre-existing condition exclusions
Diseases (including chronic diseases) that existed before the start of coverage and their complications are generally excluded. However, from 17 June 2025, exacerbations of chronic diseases (meeting the OWU definition) are included in the standard product up to 100% of the medical expenses sum insured. Pre-existing conditions that do not qualify as chronic diseases under the OWU definition remain fully excluded (OWU §16.4.1).
Coverage duration limit
For foreign travel, the policy can be concluded for a minimum of 1 day and a maximum of 60 days per trip, or as an annual policy (12 months). The annual policy covers all foreign trips made during the 12-month period without the need to conclude a separate agreement before each trip. Coverage ends upon return to Poland, but no later than the end of the last day of the insurance period (OWU §10.3, §10.5).
Where to buy
Documents
General Terms and Conditions – Link4 Podróże (OWU Podróże, effective 2014-10-01)
terms_and_conditions
Policy specifics
Flight delay compensation
Reimbursement for necessary hygiene items, medicines and food in case of baggage delivery delay exceeding 6 hours
Emergency evacuation due to crisis
Coverage for evacuation transport costs and accommodation in case of epidemic, war, terrorist attack, revolution or natural disaster
Chronic disease coverage limitation
Standard coverage includes costs related to chronic disease deterioration up to 20% of insurance amount
Baggage loss coverage conditions
Link4 covers baggage loss only when baggage was under professional carrier's care based on transport document
Optional winter and high-risk sports coverage
Amateur winter sports and high-risk sports require separate extension to base coverage
Baggage delivery delay compensation
If the delivery of the insured's checked baggage is delayed by more than 6 hours, Link4 reimburses expenses for the purchase of necessary personal hygiene items, medications, and food, up to 150 EUR.
Mandatory purchase timing requirement
Insurance purchased before the trip begins is effective from the start date stated in the policy. If purchased after the trip has started, the coverage start cannot be earlier than the 3rd day from the date the application was submitted. It is strongly recommended to purchase before departure.
Territorial coverage variants
The product offers three territorial variants: Poland (domestic travel, coverage within Poland at distances greater than 30 km from the insured's place of residence), Europe and Mediterranean Basin (specific listed European countries and Mediterranean countries, excluding Poland and country of residence), and World (all countries worldwide, excluding Poland and country of residence).
Mandatory base coverage components
For foreign travel (Europe and World variants), a policy must at minimum include medical expenses and assistance coverage. NNW (personal accident) insurance is also mandatory for foreign travel variants according to insurer sales rules. OC, baggage, sports equipment, and trip cancellation are all optional add-ons.
Customizable insurance sum limits
The insured can choose the medical expenses and assistance sum insured from 50,000 PLN to 2,000,000 PLN (as of 17 June 2025). NNW sum insured: 10,000 or 50,000 PLN. Personal liability (OC) sum insured: up to 1,000,000 PLN (as of 17 June 2025). Baggage: 2,500 or 5,000 PLN.
Sources
- https://rankomat.pl/link4/ubezpieczenie-turystyczne
- https://www.link4.pl/biuro-prasowe/aktualnosci-link4/turysta-zawsze-ubezpieczony-nowosci-w-ubezpieczeniu-link4-podroze
- https://www.link4.pl/blog/ubezpieczenie-na-podroz-zagraniczna-co-obejmuje
- https://www.link4.pl/ubezpieczenie-turystyczne
- https://www.link4.pl/ubezpieczenie-turystyczne-podroze-europa-i-swiat