SIGNAL IDUNA Travel insurance (Bezpieczne Podroze)

Covers costs of medical treatment abroad (outpatient and inpatient) in connection with sudden illness (including exacerbation of chronic disease) or accident, up to 500,000 EUR per insured per policy period. Covers ambulatory treatment, hospitalisation, doctor visits, medications, rescue operations, and related transport. In the USA, Canada, Australia and Caribbean Islands, outpatient limits apply (3,000 EUR if KL sum < 60,000 EUR; 7,000 EUR otherwise).

Emergency medical treatment is covered within the overall KL (medical expenses) sum of up to 500,000 EUR. The insured must contact the 24/7 Alarm Centre before seeking medical help (except dental treatment and a single outpatient visit). Coverage applies from the moment of crossing the Polish border upon departure until return.

Hospitalisation (inpatient stay of at least 24 hours) costs are covered up to the full KL sum of up to 500,000 EUR. Additionally, if total hospitalisation costs abroad are covered by the European Health Insurance Card (EKUZ) and hospitalisation lasts at least 3 days, a daily hospital benefit of 100 PLN (max. 10 days) is paid.

Outpatient treatment (Ambulatorium – medical help of less than 24 hours duration) is covered up to the KL sum (max. 500,000 EUR), except in USA, Canada, Australia and Caribbean Islands where the limit is 3,000 EUR (KL sum < 60,000 EUR) or 7,000 EUR (KL sum ≥ 60,000 EUR). For a single outpatient visit, the insured may choose their own doctor and cover the cost directly without prior Alarm Centre approval.

Emergency dental treatment (acute dental inflammation or dental injuries resulting from an accident) is covered up to 250 EUR. Does not include permanent fillings, root canal treatment, crown restoration, or aesthetic procedures.

Transport to country of residence (Poland) is covered without any monetary limit ('bez limitu') when the insured cannot use previously planned transport due to a health condition related to the insured event. Covers the cheapest available means of transport accepted by the treating physician and/or Alarm Centre doctor. Also covers transport to the medical facility, between facilities, and to accommodation after treatment, all within the KL sum.

Return transport to the country of residence is covered with no amount limit (Annex 1 item 2.4, listed as an assistance sub-limit of the KL sum). Transport to, from and between medical facilities and to accommodation after treatment is covered up to the KL sum (item 1.9), organised by the Alarm Centre using the cheapest medically appropriate means.

Transport of the insured's remains to the place of burial in the country of residence is covered without any monetary limit ('bez limitu'). Alternatively, covers costs of burial in the country of the event. The coverage includes necessary sanitary costs (refrigeration, embalming) and administrative costs (consular fees, permits). The cost of this transport does not reduce the KL sum of insurance. Also covers purchase of coffin or urn, and cremation abroad if required by local regulations.

Covers rescue or search operations in mountains or at sea carried out by specialised rescue services to save the insured's life or health. Limit: 7,000 EUR when KL sum is less than 60,000 EUR; 10,000 EUR in all other cases. Does not cover costs arising from an unjustified call-out of rescue services.

Medical treatment and assistance costs related to acute illness caused by SARS-CoV-1 or SARS-CoV-2 and their mutations are covered within the KL sum (up to 500,000 EUR) without any extension or surcharge. A positive PCR test result and associated isolation are NOT covered unless linked to an acute illness caused by SARS-CoV-1 or SARS-CoV-2.

Continuation of treatment for illnesses that began before the insurance contract was concluded is excluded. However, a sudden acute exacerbation of a chronic disease (Zaostrzenie choroby przewlekłej) requiring immediate medical attention is INCLUDED in the base policy from the 2024 OWU without any extension or additional premium, within the KL sum. Examples of covered chronic diseases include hypertension, coronary artery disease, diabetes, gallstones, kidney stones, thyroid disorders, peptic ulcer, joint and spine degeneration, cancer, and permanent organ damage.

Coverage for winter sports (narciarstwo zjazdowe, snowboard, biathlon, ski bike, skijoering, skitouring on marked trails, kite snowboarding/skiing, trikke skki) is available as a paid extension (kod SZ). Without this extension, winter sports are excluded from the base policy. The extension applies to KL, NNW, and OC. When purchased, KL coverage applies up to the KL sum (max. 500,000 EUR).

Coverage for extreme sports (Sporty ekstremalne, kod SM) is available as a paid extension. This includes alpinism, BASE jumping, bungee jumping, canyoning, downhill MTB, free diving, freeride, skydiving, speleology, high-mountain climbing, paragliding, and others listed in Annex 3. Amateur sports (Sporty amatorskie) as listed in Annex 3 are included in the base policy without extension or surcharge.

Covers treatment of pregnancy complications, provided the complications did not exist before the start of the foreign trip, and premature birth occurring no later than the 32nd week of pregnancy. Payment is made jointly for mother and child up to the KL sum. Termination of pregnancy is excluded unless performed to save the life or health of the insured.

Covers personal civil liability for bodily injury and property damage caused to third parties during foreign travel, up to 500,000 EUR. Events related to amateur sports are covered as part of the base policy, while winter or extreme sports events are covered only with the paid extension. For damage connected with amateur, winter or extreme sports, SIGNAL IDUNA liability is limited to 50% of the OC sum for personal injury and 25% for property damage, with a 5% deductible (Franszyza redukcyjna). Damages arising from alcohol consumption, use of motor vehicles, professional activity, or animals not vaccinated as required are excluded.

Covers necessary legal costs: lawyer fees for tort claims up to 2,000 EUR; lawyer fees for civil liability defence up to 1,000 EUR; and a refundable bail loan up to 10,000 EUR if the insured is detained by foreign law enforcement. The loan must be repaid within 30 days. Legal assistance does not cover professional/work-related issues or political activities.

24/7 Alarm Centre (Centrala Alarmowa) is available 365 days a year (+48 22 864 55 26). STANDARD scope includes: round-the-clock duty, telephone consultation with a Polish-speaking doctor, telephone interpreter, unlimited return transport, convalescence accommodation (150 EUR/day, max. 7 days), message relay, lost document help, cash refund (125 EUR), extended cover (max. 7 days), telephone legal advice, driver substitute (500 EUR), flight delay (250 EUR), cash transfer, and post-return treatment continuity. SUPER scope adds: trip interruption, business travel replacement, forwarding of personal items, airline insolvency refund (200 EUR for KL ≥ 60k EUR), extended stay costs (100 EUR/day max. 500 EUR), baggage delay (250 EUR), nurse visit (50 EUR), home help (50 EUR), tutoring (50 EUR), child entertainment (50 EUR), psychologist (50 EUR), tropical disease treatment (50 EUR), plus additional sports-related benefits. MULTITRIP always has SUPER scope.

Covers death and bodily impairment (Uszczerbek na zdrowiu) resulting from an accident during the insured trip, up to 100,000 PLN depending on the sum chosen in the policy. 100% of the sum is paid for death occurring within 2 years of the accident; for partial impairment, the percentage of the sum paid corresponds to the percentage of impairment listed in the Percentage Table of Health Impairments (Annex 2 to the OWU).