SALTUS Mutual Insurance Society / SALTUS Life Insurance Company SA
SALTUS Ubezpieczenia
SALTUS Ubezpieczenia is a travel insurance for the Poland market with online purchase and 24/7 assistance.
Direct payment
SALTUS TUW organizes and covers treatment and transport costs directly through the Assistance Center (Centrum Pomocy). Reimbursement of costs self-paid abroad is made in Poland in PLN at the NBP average exchange rate on the day the claim is received.
Geographic scope
Outside the territory of the Republic of Poland
Coverage applies exclusively outside the Republic of Poland, commencing upon crossing the Polish border.
Unique selling points
- Three customizable coverage tiers (MINI/MIDI/MAXI) with medical expense sums up to 60,000 EUR, allowing travelers to select protection matching their destination and trip type.
- Broad 24/7 assistance package included as standard, covering search and rescue operations (up to 24,000 PLN in MAXI), trip extension protection, and transport of unaccompanied children.
- Optional paid extension for chronic disease exacerbation with a 10,000 EUR sub-limit, enabling cover for travelers with pre-existing conditions.
- Policy purchasable online or by phone with no medical examination or documentation required, with coverage commencing from the moment of departure abroad.
- Civil liability cover up to 100,000 EUR (MAXI) and personal accident (NNW) up to 40,000 PLN (MAXI) bundled within MIDI and MAXI variants at no additional cost.
Coverage limits
Medical treatment and medical transport costs
Covered
Covers necessary and documented medical treatment costs and medical transport costs incurred abroad due to sudden illness or accident. MINI: 20,000 EUR; MIDI: 40,000 EUR; MAXI: 60,000 EUR. Includes hospitalization (including surgery), outpatient treatment, medications, medical visits and auxiliary tests, transport to/between medical facilities, transport to accommodation, and transport back to Poland. Coverage extends up to 90 days from the date of sudden illness/accident if return transport is medically contraindicated.
Emergency medical treatment (hospitalization and outpatient)
Covered
Emergency medical treatment is covered within the overall medical expenses sum insured. Hospitalization (including surgery) is covered up to the full sum insured. Outpatient treatment is covered up to 4,000 PLN per variant. MINI: SU 20,000 EUR; MIDI: SU 40,000 EUR; MAXI: SU 60,000 EUR.
Hospitalization (including surgery)
Covered
Hospitalization including surgical procedures is covered up to the full sum insured for each variant: MINI 20,000 EUR; MIDI 40,000 EUR; MAXI 60,000 EUR. Hospitalization is defined as medical care in a hospital or other medical facility lasting at least 24 hours.
Outpatient treatment
Covered
Outpatient treatment (medical care in a facility lasting less than 24 hours) is covered up to 4,000 PLN in all three variants (MINI, MIDI, MAXI), within the overall sum insured.
Emergency dental treatment
Covered
Emergency dental treatment is covered only in cases of acute inflammatory and pain conditions, or when treatment was necessary due to an injury sustained in an accident. MINI: up to 600 PLN; MIDI: up to 600 PLN; MAXI: up to 1,000 PLN. Repair or purchase of dental prostheses, crowns, or orthodontic treatment is excluded.
Medical transport
Covered
Medical transport is covered within the overall sum insured for each variant (MINI: 20,000 EUR; MIDI: 40,000 EUR; MAXI: 60,000 EUR). Covers: transport from the accident scene to the nearest medical facility, transport between medical facilities (when medically required), and transport to accommodation after receiving medical care.
Medical evacuation (transport to Poland)
Covered
If the insured's health condition due to sudden illness or accident prevents use of the originally planned transport, SALTUS TUW arranges and covers transport of the insured to their place of residence or a medical facility in Poland. The method and timing are agreed by the Assistance Center doctor with the treating physician. Covered within the overall sum insured (MINI: 20,000 EUR; MIDI: 40,000 EUR; MAXI: 60,000 EUR).
Repatriation of remains
Covered
If the insured dies as a result of sudden illness or accident, SALTUS TUW arranges and covers the necessary costs of transporting the remains to the burial site in Poland, including the cost of a transport coffin. In the case of cremation, the company covers the cost of cremation and transport of ashes to the burial site in Poland. Covered within the overall sum insured (MINI: 20,000 EUR; MIDI: 40,000 EUR; MAXI: 60,000 EUR). Transport coffin separately limited to 4,000 PLN.
Search and rescue
Covered
SALTUS TUW covers necessary and documented costs of search and rescue operations conducted by specialized rescue services to save the insured's life or health. Covers: search by specialized services, emergency first aid at the scene, and transport from the scene to the nearest appropriate medical facility (including specialist means such as sleds, helicopter, toboggan, motorboat). MIDI: up to 12,000 PLN; MAXI: up to 24,000 PLN. Not available in MINI variant.
COVID-19 treatment
Covered
The policy covers sudden illness abroad generally, without explicitly mentioning COVID-19 as a separate coverage item. COVID-19 as a sudden illness would fall under general medical expenses coverage if it meets the definition of 'sudden illness' (sudden, unexpected, life/health-threatening condition requiring immediate medical assistance). No specific COVID-19 sub-limit or exclusion is stated in the current OWU.
Exacerbation or complication of chronic disease
Optional
Coverage for exacerbation or complication of a chronic disease (a condition diagnosed or treated within 24 months before the contract) is available as a paid add-on in all variants. The coverage limit is 10,000 EUR within the overall medical expenses sum insured. A chronic disease is defined as a condition with slow development and long-term course, possibly alternating between remission and exacerbation, diagnosed or treated in the 24 months preceding the contract.
Winter high-risk sports cover
Optional
Coverage for damages arising from high-risk winter sports (e.g. downhill skiing/snowboarding on marked runs, ski jumping, extreme skiing, heliskiing/heliboarding, snowmobiles, winter mountain expeditions above 2500 m a.s.l., polar/glacial expeditions) is available as a paid add-on. When purchased, coverage applies up to the sum insured of each relevant risk. Winter high-risk sports add-on can be combined with the general high-risk sports add-on.
High-risk sports cover
Optional
Coverage for damages arising from high-risk sports (e.g. motor sports, quad riding, water motor sports, sea sailing, sea fishing, surfing, windsurfing, kitesurfing, wakeboarding, rafting, canyoning, scuba diving, skydiving, BASE jumping, paragliding, mountaineering, caving, bungee jumping, martial arts, rugby, American football, equestrian, marathons, triathlon, mountain biking, parkour, hunting with firearms, survival expeditions, expeditions to extreme climate zones or mountains above 2500 m a.s.l.) is available as a paid add-on. Without the add-on, all such sports are excluded.
Pregnancy complications
Conditional
Coverage for pregnancy is limited to one medical visit and the necessary transport to a medical facility, with a maximum liability of 600 PLN (all variants). Premature birth occurring no later than the 32nd week of pregnancy is covered within the full sum insured (including medical care, medications, hospitalization, and neonatal care). Childbirth or pregnancy complications occurring after the 32nd week of pregnancy are excluded. Termination of pregnancy is excluded unless performed to save the insured's life or health.
Civil liability in private life
Covered
Covers the insured's statutory civil liability for personal injury (bodily harm, health impairment, or death) or property damage caused to third parties during a foreign trip. MIDI: 50,000 EUR guarantee sum; MAXI: 100,000 EUR guarantee sum. Within the guarantee sum: costs of expert appraisers, necessary court defense costs (if SALTUS TUW requested or approved), and costs of measures taken to prevent or reduce the damage. Personal damage covered at 100% of guarantee sum; property damage at 20% of guarantee sum. NOT available in MINI variant. Contractual liability is excluded.
Legal assistance (within liability cover)
Covered
Legal assistance is provided within the civil liability coverage. SALTUS TUW covers necessary court defense costs in disputes conducted at its instruction or with its consent. Legal information is also included as an assistance service without limit (MIDI and MAXI variants). Not available as a standalone coverage; legal assistance within liability cover only available in MIDI and MAXI.
24/7 Assistance services
Covered
Comprehensive 24/7 assistance services are included in all variants within the overall sum insured and established sub-limits. Services include: telephone medical consultation (no limit), transport to Poland, transport of remains, financial assistance in case of cash robbery (up to 3,000 PLN), telephone help with medical formalities (no limit), pre-departure information (no limit), early return assistance, business trip substitute, urgent message relay (no limit), transport of accompanying relatives in case of death, accommodation and transport of a designated companion, companion visit for hospitalization over 7 days, transport of unaccompanied children, assistance with trip extension (up to 48 hours, MIDI/MAXI), trip continuation assistance (MIDI/MAXI), document loss/theft assistance (no limit, MIDI/MAXI), delay assistance (up to 1,000 PLN, MIDI/MAXI), delivery of essential items (MIDI/MAXI). Coverage is 24/7 regardless of the purpose of foreign travel.
Key conditions
Assistance call deadline
Before taking any independent action, the insured must immediately notify the Assistance Center (Centrum Pomocy) and obtain a guarantee of coverage for medical treatment or transport costs. If immediate notification is impossible, the insured should seek to mitigate the consequences and obtain medical assistance as soon as possible, preferably using public health services. The insured event must be reported to SALTUS TUW no later than 7 days after returning to Poland if not previously reported to the Assistance Center.
Unauthorized treatment
If the insured intentionally or through gross negligence fails to notify the Assistance Center and obtain a coverage guarantee (obligations 1-3 in §20), SALTUS TUW may refuse to pay benefits for damages arising from this failure. For failure to fulfil obligations 4-6 (securing claim rights, obtaining medical documentation, reporting within 7 days), SALTUS TUW may proportionally reduce the benefit if the breach contributed to an increase in damage or prevented the assessment of its extent.
Purchase while abroad
It is not possible to conclude an insurance contract for persons who are currently outside the territory of Poland. Exception: a contract may be renewed if the renewal occurs before the end of the coverage period of the previous contract.
Chronic conditions
Coverage for exacerbation or complication of a chronic disease is excluded by default. It is available as a paid extension. A chronic disease is defined as a condition with slow development and long-term course, possibly with periods of remission and exacerbation, diagnosed or treated within 24 months before the contract. When the extension is purchased, the liability limit for chronic disease exacerbation is 10,000 EUR within the overall medical expenses sum insured.
Pregnancy
Pregnancy-related coverage is limited to one medical visit and the necessary transport to a medical facility, with a maximum liability cap of 600 PLN in all variants. Premature birth occurring no later than the 32nd week of pregnancy is covered within the full sum insured. Childbirth or pregnancy complications occurring after the 32nd week of pregnancy are excluded. Termination of pregnancy is excluded unless performed to save the insured's life or health.
Pre-existing condition exclusions
Coverage for exacerbation or complication of a chronic disease is not included by default; it requires payment of an additional premium. The coverage limit is 10,000 EUR within the overall medical expenses sum insured. Sudden illness is defined as a condition that arises suddenly and unexpectedly, independent of the insured's will, threatening their life or health, not being the consequence of a pre-existing illness or condition, requiring immediate medical assistance before the end of the stay abroad.
Coverage duration limit
The maximum insurance period is 1 year. The insurance period is indicated in the insurance document. Coverage commences at the moment of departure for foreign travel, no earlier than the day following the conclusion of the insurance contract and payment of the premium. Coverage ends upon return from the trip, expiry of the insurance period, death of the insured, exhaustion of the sum insured/guarantee sum, or dissolution of the contract — whichever occurs first.
Policy specifics
Medical treatment and transport abroad
Covers hospital and outpatient treatment costs, medical transport, and interpreter assistance during foreign travel
Baggage insurance
Protection against theft, loss, damage, or delayed delivery of luggage during international travel
Personal accident insurance (NNW)
Coverage for consequences of accidents during foreign travel
Civil liability in private life (OC)
Coverage for liability for damage caused to third parties during travel
Travel assistance services
Assistance services include: document loss/theft help, baggage delay organization, childcare support, early return to home country, and a wide range of other services. Coverage is 24/7 during international travel regardless of trip purpose.
Coverage variant selection (MINI, MIDI, MAXI)
Product is offered in three variants adapted to trip direction, duration, and characteristics
Maximum insurance period
Maximum coverage duration per policy is 1 year
Coverage commencement timing
SALTUS liability begins at the moment of departure for foreign travel, not earlier than the day following contract conclusion and premium payment
Premium payment requirement
Policyholder must pay premium once at contract conclusion for entire insurance period