SALTUS Ubezpieczenia Travel insurance (Moja Podroz)

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 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 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 (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 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 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.

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).

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.

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.

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.

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.

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.

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.

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.

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 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.

Comprehensive 24/7 assistance services are included within the overall sum insured and established sub-limits; some services are variant-specific. 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 (MIDI/MAXI), accommodation and transport of a designated companion (up to 400 PLN/day for 7 days, MIDI/MAXI), companion visit for hospitalization over 7 days (up to 400 PLN/day for 7 days, MIDI/MAXI), transport of unaccompanied children (MIDI/MAXI), 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.

Covers permanent health impairment or death resulting from an accident during the foreign trip. MIDI: sum insured 15,000 PLN; MAXI: sum insured 40,000 PLN. Not available in the MINI variant.