PZU

Assistance call deadline

The insured must immediately contact Centrum Pomocy by phone before taking independent action. If contact was impossible due to circumstances beyond the insured's control (e.g. force majeure or random event), notification must be made within 7 days of the date when contact became possible, with the reason for inability to contact stated. For a single dental visit (acute inflammation/pain, one tooth) or a single doctor visit, prior contact with Centrum Pomocy is not required; costs are reimbursed on the basis of named receipts, proof of payment, and medical documentation.

Unauthorized treatment

PZU SA is not liable for costs incurred without the consent of Centrum Pomocy, unless contact was impossible for reasons beyond the insured's control (§ 29 ust. 1). If the insured independently organised and paid for treatment and assistance due to inability to contact Centrum Pomocy, PZU SA reimburses these costs on the basis of medical documentation confirming the covered insurance event and named receipts and proof of payment. If costs were not yet paid by the insured, the insured must notify PZU SA within 7 days of regaining contact and submit medical documentation and receipts. Intentional or grossly negligent failure to notify PZU SA of an insurance event may result in a reduction of benefits if the breach contributed to an increase in the loss or prevented PZU SA from determining the circumstances and effects of the event.

Purchase while abroad

Under the OWU, the insurance contract takes effect from the day after conclusion of the insurance contract, but not earlier than the day after payment of the premium or its first instalment (unless otherwise agreed), and not earlier than the moment of starting the journey in Poland or crossing the Polish border upon entry (for persons entering Poland). For the trip-cancellation insurance (Klauzula Nr 12), the contract must be concluded no later than within 3 business days from the date of conclusion of the organised holiday participation agreement, payment of costs or advance payment, or payment for tickets (whichever occurs earlier). It is not explicitly prohibited to purchase the insurance abroad during a trip, but the standard rules on commencement of coverage apply.

Chronic conditions

Chronic diseases (choroby przewlekłe) are generally excluded from coverage (§ 30 ust. 1 pkt 6). However, costs of treatment of exacerbation or complications of chronic diseases are included as a standard exception (§ 25 ust. 1 pkt 6 lit. a). 'Chronic disease' is defined as a disease diagnosed before conclusion of the insurance contract, of long-term course usually lasting months or years, with constant or recurring symptoms or abnormal test results, which the insured suffered from on the day of conclusion of the contract and was aware of, regardless of whether medical intervention was required. The covered costs for exacerbation/complications are limited to first medical aid costs necessary to stabilise the insured's condition or return to the pre-exacerbation health state; they do not cover costs of treating the underlying chronic disease or post-hospitalisation recommended treatment.

Pregnancy

Treatment related to pregnancy and childbirth is covered up to the end of the 32nd week of pregnancy (§ 25 ust. 1 pkt 5). In case of birth before the 32nd week, child treatment is limited to 14 days post-birth. Assistance services related to pregnancy/childbirth after the 32nd week are excluded (§ 30 ust. 2). Abortion, artificial insemination, infertility treatment, and contraceptives are excluded (§ 30 ust. 1 pkt 15). The contract cannot be concluded if the purpose of the trip is planned treatment or diagnostics (§ 1 ust. 3 pkt 4).

pre_existing_conditions

Pre-existing conditions in the sense of chronic diseases are excluded from basic coverage, except for exacerbations and complications (see 'chronic_diseases'). Additionally, diseases that were the cause of hospitalisation within 12 months before conclusion of the insurance contract are excluded (§ 30 ust. 1 pkt 7), but exacerbations/complications thereof are covered under specific conditions (§ 25 ust. 1 pkt 6 lit. b). If health contraindications to travel existed, the insurance covers only medical costs and assistance for insurance events unrelated to those contraindications (§ 1 ust. 4). The contract cannot be concluded if the purpose of the trip is planned treatment or diagnostics (§ 1 ust. 3 pkt 4).

coverage_duration_limit

The insurance contract is concluded for a defined period from 1 day to 1 year (§ 7 ust. 1). For EU/EEA citizens (other than Polish) or foreigners permanently residing in an EU/EEA country and travelling within Poland, the contract may only be concluded for a period not exceeding 4 months (§ 7 ust. 2). Insurance protection lasts for the duration of the travel, ending at the moment of return home or to a medical facility near the place of residence in Poland, or upon expiry of the insurance period. Coverage is extended by up to 48 hours if return is delayed due to transport breakdown, cancellation/delay of public transport due to adverse weather conditions or random events, or airline strikes (§ 11 ust. 2).

COVID-19 quarantine and isolation coverage

Insurance covers costs of accommodation and meals during COVID-19 quarantine or isolation, plus organization of return to Poland

Chronic disease exacerbation coverage

Coverage for medical costs related to exacerbation or complications of chronic disease if worsening occurs during trip

Emergency dental treatment

Coverage for emergency dental treatment of acute inflammatory and pain conditions outside Poland; does not cover planned treatment

3-day insurance purchase window

Insurance must be purchased within 3 business days from the date of trip purchase

Mandatory Assistance Center notification

Insured must contact Assistance Center before or immediately upon medical incident; failure may result in claim denial

Maximum trip duration

Insurance covers trips up to maximum 4 months duration per policy period

Geographic exclusions

Insurance does not cover trips to Ukraine, Russian Federation, or Belarus

Planned treatment exclusion

Insurance does not cover planned or elective medical procedures, diagnostic trips, or travel undertaken for treatment purposes