Sopockie Towarzystwo Ubezpieczen ERGO Hestia SA (mtu24.pl brand)

Assistance call deadline

The insured must notify ERGO Hestia of the event immediately after it occurs or after learning about it (§24 OWU). Before undertaking treatment with costs exceeding 2,000 PLN (gross), the insured must inform ERGO Hestia. All assistance services must be organised through the Alarm Centre; if the insured arranges services independently without Alarm Centre involvement, reimbursement is limited to documented economically justified costs within applicable limits.

Unauthorized treatment

If the insured undertakes treatment independently without notifying the Alarm Centre and without the Alarm Centre's involvement, ERGO Hestia will reimburse only the documented costs already incurred, subject to applicable limits. If the insured refuses transport recommended by the Alarm Centre and the treating physician for continuation of treatment in Poland or country of residence, ERGO Hestia reimburses only costs of services and benefits already provided (§6(2) OWU).

Purchase while abroad

The policy is designed to be purchased before the trip. Coverage starts from the date and time specified in the insurance contract, but not earlier than the day following premium payment (§3(1) OWU). There is no explicit provision for purchasing the policy while already abroad; the standard commencement rule applies.

Chronic conditions

Chronic diseases are defined as conditions treated continuously or periodically in the 12 months before policy inception, during which periods of remission or exacerbation may occur. Chronic disease coverage is excluded from the base policy; it requires a paid extension. Without the extension, ERGO Hestia is not liable for medical costs arising from chronic conditions (§17(4)(4) OWU).

Pregnancy

Childbirth is excluded unless it occurs before the 32nd week of pregnancy. Abortion/termination is covered only if performed to save the insured's life or health and if the procedure is permitted by the law of the country where it is performed. Travel undertaken for the purpose of treatment or continuation of treatment begun before the trip is excluded entirely.

Pre-existing condition exclusions

Medical events caused by pre-existing conditions are not covered under the base policy unless the 'Choroba przewlekła' paid extension is purchased. If, for health reasons, a physician determined before departure that there were medical contraindications to foreign travel, or if the insured was informed before departure that surgery or inpatient treatment was necessary, ERGO Hestia bears no liability (§7(2) OWU).

Coverage duration limit

The policy is issued for a period of 12 months or shorter. The insurance coverage ends upon expiry of the contracted period or upon exhaustion of the sum insured or guarantee sum. Coverage is automatically extended by 48 hours without additional premium if the insured's return is delayed due to a vehicle breakdown, public transport cancellation/delay due to weather, or a fortuitous event beyond the insured's control.

Medical expenses and treatment costs

Covers costs of doctor visits, medications, medical transport and treatment in case of sudden illness or accident during travel

Assistance services

Includes organization and coverage of services such as medical transport, emergency hospitalization, repatriation, accommodation and food during treatment recovery, care for minors, translator help, and emergency financial assistance

COVID-19 quarantine and isolation coverage

Covers accommodation, meals and return transport costs in case of mandatory quarantine or isolation due to COVID-19 infection during travel

Transport delay coverage

Covers food and accommodation costs in case of cancellation or delay of transport (air or sea), up to 1,000 PLN if not covered by carrier

Consequences of accidents coverage

Covers permanent health impairment resulting from accidental injuries during travel, including death benefits

Baggage coverage

Covers loss, damage or theft of personal baggage and items typically taken on trips, including electronics, photography equipment, sporting goods

Civil liability in private life

Covers costs of damage caused to third parties during private activities and leisure time, including property damage and personal injury

Geographic coverage

Insurance covers worldwide travel except USA, Canada, Japan and China. Excludes countries where Polish Ministry of Foreign Affairs issues 'Do not travel' or 'Leave immediately' warnings

Sudden illness or accident requirement

Medical coverage applies only to sudden illnesses or accidents occurring during the insured travel period; does not cover pre-existing chronic conditions unless previously declared and accepted

Coverage commencement time

Coverage starts from the date and time specified in the insurance contract, but not earlier than the day following premium payment

Terrorism coverage condition

Insurance provides coverage for consequences of accidents resulting from acts of terrorism for 7 days from the date of terrorism occurrence; medical expense coverage limited to 50% of sum insured

Maximum insured persons per policy

Single policy can cover maximum 10 persons; additional policies required for larger groups

Sports activity coverage extension

Base coverage excludes professional and extreme sports; optional paid extension available to cover sports-related accidents depending on activity type and risk level

Alarm center coordination requirement

Alarm center decides on necessity, timing, method and feasibility of medical transport based on patient health status and consultation with treating physician; insured may refuse transport but benefits become limited