Santander Allianz Towarzystwo Ubezpieczeń S.A. (and Santander Allianz Towarzystwo Ubezpieczeń na Życie S.A.)

Covers costs of medical treatment (doctor visits, hospital stays including tests, procedures and surgery, decompression chamber, prescription medications, auxiliary aids) when the insured suddenly falls ill or suffers an accidental injury during travel abroad. Coverage also applies to acute exacerbation of chronic illness symptoms, epidemic/pandemic illness (incl. COVID-19), recreational sports, study and work travel, and mental health emergencies. Sum insured is selectable: for Europe 200,000–5,000,000 PLN; for World excl. USA/Canada and World 300,000–5,000,000 PLN.

Emergency medical treatment is included within the medical expenses coverage. The insurer organises and covers emergency care when the insured suddenly falls ill or is injured, covering doctor visits, hospital stays, tests, surgery and related medical acts. Coverage commences after crossing the Polish border (or country of residence border). Treatment costs are covered up to the selected insured sum.

Covers all costs of hospital stay and treatment abroad (hospital admission fees, tests, procedures and surgery, decompression chamber if medically indicated) within the overall medical expenses insured sum. No separate hospitalization sub-limit is specified; the overall selected medical sum applies.

Doctor visits and outpatient medical care are covered within the overall medical expenses insured sum. The insurer organises and covers outpatient visits when the insured suddenly falls ill or is injured during travel abroad. No separate outpatient sub-limit; the overall medical insured sum applies.

Covers emergency dental treatment costs up to PLN 1,000 per insured per policy period. Coverage applies when the insured experiences acute inflammation or dental pain, or requires dental care following an accidental injury during travel abroad. Elective, planned or cosmetic dental procedures are excluded.

Covers costs of medical transport organised by the alarm centre: from the accident site or place of stay to the nearest or indicated medical facility abroad; between medical facilities abroad; from the medical facility back to the place of stay after treatment; and to Poland or a medical facility in Poland if medically required. Transport mode and necessity are determined by the treating physician. Covered within the overall medical expenses insured sum.

Covers medical evacuation to Poland or to a medical facility in Poland when the insured's health condition requires return in a different timeframe or by a different means of transport than originally planned. Also covers transport of a person summoned to accompany the insured in a life-threatening situation (round-trip transport plus hotel and meals). Covered within the overall medical expenses insured sum.

In the event of the insured's death abroad, the insurer organises and covers the cost of transporting the mortal remains to the place of burial in Poland or the insured's country of residence, including the cost of a transport coffin. Covered within the overall medical expenses insured sum.

Covers costs of rescue or search-and-rescue operations when the insured suddenly falls ill or suffers an accidental injury during travel abroad. Operations must be conducted by specialised rescue services. Covered within the overall medical expenses insured sum.

COVID-19 illness is explicitly included in the definition of 'sudden illness' (nagłe zachorowanie) in the OWU glossary, and treatment costs when the insured's health suddenly deteriorates due to epidemic or pandemic illness (specifically COVID-19) are covered under the medical expenses coverage at no additional premium. Covered within the overall selected medical insured sum.

Acute exacerbation of chronic illness symptoms is explicitly covered at no additional premium under the medical expenses coverage. The OWU defines 'acute exacerbation of chronic illness' as a sudden intensification of symptoms requiring immediate medical assistance related to the insured's chronic illness or its complications. A chronic illness is defined as permanent, irreversible, requiring special rehabilitation, or long-term supervision. Coverage applies up to the full selected medical insured sum.

Medical costs are covered when the insured's health suddenly deteriorates due to pregnancy complications or premature birth during travel abroad, including doctor visits and newborn care. This is included in the base medical expenses coverage at no additional premium. Normal, uncomplicated pregnancy and childbirth, and termination of pregnancy (except when necessary to save the insured's life) are excluded.

Covers the insured's civil liability during travel abroad arising from private life activities (non-professional). Covers personal injury and property damage caused to third parties by the insured, their minor children and accompanying animals, including acts of gross negligence. Also covers civil and criminal legal costs and post-incident damage mitigation costs. Optional extension available for winter sports and high-risk sports. Insured sum selectable: 200,000 / 500,000 / 1,000,000 / 1,500,000 PLN (same options for all territorial scopes).

Included within the 'Wsparcie w podróży' (Travel Support) benefit. The alarm centre provides the insured (in Polish) with information about their legal situation when they encounter a civil liability conflict abroad, and can relay this information to a designated person. Also covers legal costs (court costs and attorney fees) in connection with a civil liability claim within the personal liability insured sum. No separate monetary limit for legal information service.

24/7 alarm centre (operated by AWP P&C S.A., Mondial Assistance) is included in the base coverage at no extra premium. Services include: information on medical facilities and doctors, assistance with replacement documents (if lost/stolen), interpreter contacts, money transfer contacts, medical information relay (in Polish) to insured and family/doctor, quarantine accommodation coverage up to PLN 5,400. Reachable at +48 22 522 27 06 or pmu.szkody@mondial-assistance.pl. The assistance service itself is unlimited; monetary sub-limits apply to specific benefits (e.g., quarantine costs PLN 5,400).