Nationale-Nederlanden Travel insurance (Travel Medical)

Covers necessary medical treatment costs (consultations, diagnostics, hospitalisation, surgery, outpatient treatment, medications, orthopaedic aids) during foreign or domestic travel due to sudden illness or accident. The sum insured is chosen by the customer at policy purchase up to a maximum of 2,000,000 PLN. Benefits are paid up to the sum insured stated in the policy. All items in Table 1 of the OWU fall under this single sum insured.

Covers emergency medical treatment (consultations, necessary diagnostics, hospitalisation, surgery) ordered by a physician and which cannot be postponed until return to Poland, in the event of sudden illness or accident during foreign travel. Paid up to the KL sum insured stated in the policy. When the insured has not yet crossed the Polish border, an aggregate cap of 20% of the KL sum insured applies (max. 60,000 PLN).

Hospitalisation (minimum 24-hour uninterrupted stay in a medical facility) during foreign travel is covered under the KL sum insured. Additionally, a daily hospital benefit of 100 PLN (up to 2,000 PLN total) is paid for hospitalisations of at least 3 days in EU/EFTA countries, provided the insured holds a valid EHIC card accepted by the facility. In domestic travel outpatient treatment up to 5,000 PLN applies; hospitalisations covered under the COVID-19 provisions fall under the full KL sum insured.

Covers outpatient treatment (tests, medical assistance, procedures, doctor visits, doctor home visits, purchase of necessary medications, dressings, orthopaedic aids such as prosthetics, crutches, orthoses) during foreign travel up to the KL sum insured. In domestic travel, outpatient treatment is covered up to 5,000 PLN. Includes one follow-up visit after an accident (up to 600 PLN) or following doctor recommendation after acute illness (must occur outside Poland).

Covers emergency dental treatment in the event of sudden inflammation or when medical assistance is required following an accident. Coverage is limited to immediate temporary tooth stabilisation only. Root canal treatment and crown reconstruction are explicitly excluded.

Covers medical transport to the nearest medical facility or between medical facilities (when the current facility cannot provide appropriate care per physician order), all within the KL sum insured for post-border foreign travel. For pre-border/domestic travel, medical transport (not requiring emergency intervention) is covered up to 1,500 PLN. Also includes taxi or public transport from the medical facility to the place of stay after treatment (up to 400 PLN) for post-border foreign travel.

Organised and paid without limit (does not reduce the KL sum insured) for return transport to Poland or to a medical facility where treatment will be continued. The treating physician together with the Alarm Centre physician decides on the necessity and mode of transport. Transport is organised if the previously planned means of transport cannot be used. For pre-border travel the return transport limit is 20% of the KL sum insured, max. 60,000 PLN.

Organised and paid without limit (does not reduce the KL sum insured) for transport of the body to the burial site or burial abroad in the event of the insured's death during foreign travel, including from natural causes. Covers the costs of the transport coffin or urn, cremation, and sanitary and administrative costs. For pre-border travel the limit is 20% of the KL sum insured, max. 60,000 PLN.

Covers documented costs of a rescue or search operation conducted by rescue services in the mountains or at sea. The search time is counted from the moment rescue services receive a notification of disappearance until the insured is found or taken over by medical services. Not covered in cases of presumed kidnapping or actual kidnapping.

Covers COVID-19 treatment costs (including diagnostics, hospitalisation, surgery) ordered by a physician that cannot be postponed until return to Poland, paid up to the KL sum insured stated in the policy. Additionally covers COVID-19 isolation accommodation and meals (ordered by local medical authorities after a positive named diagnostic test, when the reserved stay cannot be used or must be extended): up to 10 days and 3,000 PLN for post-border foreign travel; up to 7 days and 1,500 PLN for pre-border/domestic travel. Also covers return transport after isolation (up to 500 PLN). Conditional on compliance with local law and orders of local authorities.

Chronic diseases (defined as diseases or health problems diagnosed or treated within 2 years prior to policy purchase that are permanent, leave disability, cause recurring symptoms, or require continuous medication) are automatically covered up to 20% of the KL sum insured without any extension. By purchasing the optional 'Exacerbation of Chronic Disease' rider (Zaostrzenie Choroby przewlekłej), coverage is extended to 100% of the KL sum insured. This applies to both post-border foreign travel and pre-border/domestic travel components. Excluded: continuation of treatment for diseases that began before the policy was purchased (this exclusion does not apply to exacerbations of chronic diseases). Excludes: mental disorders, depression, congenital defects, STDs, AIDS/HIV even if not previously treated.

Optional extension covering winter sports (bobsleigh, ice yachting, ice hockey, kite-skiing, kite-snowboarding, figure skating, speed skating, cross-country skiing, luge, snowboard or alpine skiing on marked runs, and sports using snow/ice vehicles). If purchased, also refunds proportional cost of unused ski passes and rental equipment in case of sudden illness or accident, and covers closed slopes compensation (100 PLN/day for closed pistes or 700 PLN for travel to alternative lifts, Dec 1–Mar 31) and unused licensed instructor lessons (up to 7 days, 250 PLN/day). Purchasing the Extreme Sports extension automatically includes Winter Sports coverage.

Optional extension covering extreme sports as defined in the OWU (e.g. ballooning, base jumping, long-distance runs over 20 km, downhill, freeskiing, heliboarding, heliskiing, quad biking, mountain biking, hang-gliding, mountainboarding, motocross, paragliding, parkour, aircraft piloting, rafting, ski mountaineering, bungee jumping, ski jumping, off-piste skiing/snowboarding, skydiving, caving, motorsports, combat sports excluding MMA, street luge, gliding, hunting expeditions, rock/mountain/ice climbing with specialist equipment, expeditions to extreme climatic locations including poles, bush, jungle, mountains above 5,500 m, glacial terrain requiring safety gear, horse racing). Purchasing this extension automatically includes Winter Sports coverage. Standard coverage excludes any Himalayan expeditions, trekking or mountaineering in the Himalayas even with this extension.

Covers costs of premature birth occurring before the 32nd week of pregnancy, and costs of medical care for the mother and newborn (up to 10,000 PLN). Also covers one doctor visit if the insured's health suddenly worsens in connection with pregnancy (up to 500 PLN). Pregnancy and childbirth after the 32nd week of pregnancy are explicitly excluded, as are contraceptives and termination of pregnancy unless performed to save the insured's life or health.

Optional extension covering the insured's civil liability for damages caused to third parties during domestic or foreign travel in the course of private life activities (leisure, childcare, cycling/scooter/wheelchair use, pet ownership, sports). The sum insured is chosen by the customer up to a maximum of 1,000,000 PLN. Exclusions include: damage to close relatives, damage at work, communicating a disease, damage to money or documents, sports in non-designated areas, use of weapons, driving without a licence, unlicensed airline crew/passenger. Fines, lost profits, and punitive damages are not covered.

Included within the base Assistance package for foreign travel. Covers the cost of a lawyer's fee for legal assistance if the insured faces a legal dispute during leisure travel abroad. The insurer is not responsible for the lawyer's actions. Also includes interpreter/translator assistance during hospitalisation or in civil liability disputes (up to 2,000 PLN).

The insurer's Alarm Centre (+48 22 483 39 77) is available 24 hours a day, 7 days a week. The Alarm Centre organises and coordinates all assistance services including medical transport, physician visits, legal assistance, travel information (travel assistant service without limit), financial assistance after robbery (up to 3,000 PLN), data recovery (up to 500 PLN), flight delay reimbursement (up to 2,000 PLN for delays of 6+ hours on return flights), and companion stay (up to 7 days / 400 PLN per day for hospitalisations over 7 days). The insured must contact the Alarm Centre as soon as possible, preferably within 5 days of the incident.

Optional extension paying benefits for accidents occurring during foreign or domestic travel. Pays 100% of the NW sum insured in the event of the insured's death, and a proportional percentage of the NW sum insured for permanent health impairment (1% of the sum insured for each 1% of impairment, determined using the Permanent Impairment Table annexed to the OWU). The sum insured is chosen by the customer when completing the application.