Towarzystwo Ubezpieczeń Europa S.A.

Covers necessary medical treatment costs (including hospitalization, outpatient treatment, diagnostic tests, physician-ordered procedures, surgery), rescue costs, and transport costs incurred abroad due to sudden illness or accident. Sum insured per person: Standard 30,000 EUR; Standard Plus 50,000 EUR; VIP 150,000 EUR; The Best 500,000 EUR. Chronic disease exacerbations and COVID-19 illness are covered up to the KL sum in all tiers.

Emergency medical treatment is covered within the overall KL sum insured. Covers physician-ordered treatment including diagnostics, procedures, surgery, and physician-ordered medications following sudden illness or accident. Covered up to KL sum per tier: Standard 30,000 EUR; Standard Plus 50,000 EUR; VIP 150,000 EUR; The Best 500,000 EUR.

Inpatient hospital stay costs are covered up to the KL sum insured across all tiers: Standard 30,000 EUR; Standard Plus 50,000 EUR; VIP 150,000 EUR; The Best 500,000 EUR. Additionally, if all hospitalization costs are fully refunded under a valid EHIC card and the stay lasted at least 3 days, a daily hospital benefit of 200 PLN per day (max 30 days) is paid.

Outpatient treatment is covered within the KL sum in all tiers for destinations other than USA, Canada, Japan and Australia. For USA: covered in VIP and The Best only (up to KL sum); not covered in Standard or Standard Plus for short-term policies. For Canada, Japan and Australia: Standard Plus up to 2,000 EUR (short-term), VIP and The Best up to KL sum (short-term). For long-term (multi-trip) policies, USA/Canada/Japan/Australia ambulatory costs are covered up to 2,000 EUR in Standard and Standard Plus, and up to the full KL sum in VIP and The Best.

Emergency dental treatment is covered up to 300 EUR in all tiers, but only for acute inflammation or injury resulting from an accident. Only emergency initial dental care is covered; subsequent root canal filling or crown reconstruction is not covered. Conservative dental treatment is excluded.

Covers transport from accident site or accommodation to ambulatory care or hospital; transport between medical facilities; transport back to accommodation during the trip; and transport back to Poland or country of permanent residence. In Standard and Standard Plus: up to KL sum insured. In VIP: return transport up to 150,000 EUR independently of KL sum insured. In The Best: return transport without limit ('bez limitu sumy ubezpieczenia'). Non-medical transport to accommodation is covered up to 300 EUR.

Medical evacuation is covered within the KL sum insured for Standard and Standard Plus. In VIP, return transport to Poland is covered up to 150,000 EUR independently of the KL sum. In The Best, return transport/evacuation is covered without limit. The Centrum Pomocy selects the hospital, arranges transport, and organizes evacuation when medically necessary.

Covers transport of remains to Poland or country of permanent residence, or local burial costs at the place of travel. In Standard and Standard Plus: up to KL sum insured. In VIP: up to 150,000 EUR independently of KL sum. In The Best: without limit ('bez limitu sumy ubezpieczenia'). Also covers transport coffin (up to 1,500 EUR if required by local regulations), urn, cremation, sanitary costs (refrigeration, embalming) and administrative costs (consular fees, permits).

Covers costs of search and rescue operations conducted by specialized rescue services to save the insured's life or health following sudden illness or accident. Includes costs of search from the time the disappearance is reported until found or the search is halted, and emergency medical aid from the time of finding until transport to the nearest hospital. Covered up to the KL sum insured per tier: Standard 30,000 EUR; Standard Plus 50,000 EUR; VIP 150,000 EUR; The Best 500,000 EUR.

COVID-19 illness is covered in all tiers within the scope of the KL insurance (medical treatment, rescue and transport) and assistance (including accommodation, food and return transport in case of compulsory quarantine/isolation ordered and organized by medical services of the destination country in VIP and The Best, up to 2,000 EUR). Pandemics and epidemics of infectious diseases other than COVID-19 are excluded.

Sudden exacerbation of chronic diseases (e.g. diabetes, hypertension, heart disease, asthma, cancer, allergies, thyroid disorders, joint degeneration, multiple sclerosis) and mental illness is treated as sudden illness and is covered in all tiers within the KL sum insured for medical treatment, rescue and transport and assistance in travel. Standard 30,000 EUR; Standard Plus 50,000 EUR; VIP 150,000 EUR; The Best 500,000 EUR. Continuation of pre-existing treatments that started before the trip began is not covered.

24/7 Centrum Pomocy helpline is included in all tiers. Services include: medical assistance organization, guarantee of medical cost coverage, extension of coverage in emergencies (up to 5 days), organization and coverage of accompanying person costs (up to 1,000 EUR travel costs; up to 7 days accommodation 100 EUR/day), delivery of essential medications, additional accommodation and meals during convalescence (up to 7 days, 100 EUR/day), and transport for continuation of trip (up to 500 EUR). Higher tiers (VIP/The Best) additionally include: replacement driver (up to 500 EUR), bail intermediation, transport of minor children (up to 2,500 EUR), trip interruption (up to 1,200 EUR), transport of accompanying relatives (The Best: up to 2,500 EUR), and flight delay costs (The Best: up to 200 EUR).