Pocztowe Towarzystwo Ubezpieczen Wzajemnych (now operating as AGRO Ubezpieczenia - Towarzystwo Ubezpieczen Wzajemnych)
Ubezpieczenia Pocztowe
Ubezpieczenia Pocztowe is a travel insurance for the Poland market with online purchase and 24/7 assistance.
Direct payment
The insurer, via the Alarm Centre (Europ Assistance Polska), directly organises and covers costs of medical treatment, transport, and assistance services. Refund of costs borne by the insured is also possible when prior contact with the Alarm Centre was impossible for reasons beyond the insured's control.
Geographic scope
Poland and international (Europe, World, Whole World zones)
Domestic: Republic of Poland territory and up to 50 km into neighbouring countries' border zones. International Europe zone: Albania, Andorra, Armenia, Austria, Belgium, Bosnia & Herzegovina, Bulgaria, Croatia, Cyprus, Montenegro, Denmark, Estonia, Finland, France (incl. Corsica), Greece, Spain (incl. Canary Islands), Netherlands, Iceland, Ireland, Liechtenstein, Lithuania, Luxembourg, Latvia, North Macedonia, Malta, Moldova, Monaco, Germany, Norway, Portugal, Czech Republic, Romania, San Marino, Serbia (incl. Kosovo), Slovakia, Slovenia, Sweden, Switzerland, Turkey, Ukraine (excl. Crimea and Luhansk/Donetsk LPR), Hungary, Vatican, UK (incl. Gibraltar), Italy, and Mediterranean countries: Egypt, Israel, Lebanon, Libya, Morocco, Tunisia; excl. country of residence and Poland. World zone: all countries excl. Poland, country of residence, Afghanistan, Belarus, Myanmar, Russian Federation, Iran, North Korea, Cuba, Crimea/LPR, USA, Canada, Syria, Venezuela. Whole World zone: same as World but includes USA and Canada.
Unique selling points
- Insured sum for medical expenses abroad selectable up to 1,000,000 PLN, among the highest available on the Polish travel insurance market.
- 24/7 Alarm Centre operated by Europ Assistance Polska organises and directly pays for medical transport, hospitalisation, repatriation and legal assistance abroad – no upfront payment required in most cases.
- Search and rescue operations covered up to 50,000 PLN within the base policy at no extra premium.
- Policy automatically extended by up to 48 hours without extra premium if the insured's return to Poland is delayed by transport breakdowns, weather events or accidents beyond their control.
- Single optional extension for high-risk sports (including mountaineering, freediving, kitesurfing, rafting) automatically covers winter sports as well, without paying for two separate add-ons.
Coverage limits
Medical treatment costs (abroad)
Covered
Covers costs of emergency medical treatment abroad due to sudden illness or accident, including outpatient procedures, doctor consultations, medications, hospitalisation, surgical procedures and doctor's fees, up to the insured sum chosen at purchase (between 50,000 and 1,000,000 PLN for international travel). An integral deductible of 100 PLN applies per event.
Emergency medical treatment (outpatient and inpatient)
Covered
Covers emergency outpatient treatment (diagnostic tests, procedures) and inpatient treatment that could not be postponed until return to Poland, up to the full insured sum. Included within the overall medical expenses cover.
Hospitalisation (including surgery and tests)
Covered
Covers hospitalisation costs including inpatient treatment, diagnostic tests, surgical procedures and operations whose postponement until return to Poland was impossible due to the insured's health condition, up to the full insured sum.
Outpatient treatment (ambulatory)
Covered
Covers costs of outpatient diagnostic tests and procedures prescribed by a doctor, doctor consultations and home visits, up to the insured sum.
Emergency dental treatment
Covered
Covers dental treatment costs in cases of acute pain and inflammatory conditions, up to 2,000 PLN for all dental episodes requiring immediate medical attention during the insurance period.
Medical transport
Covered
Covers costs of medical transport from the scene of an accident or sudden illness to the nearest hospital, between hospitals when necessary, and transport back to Poland or country of residence when medically indicated, up to the insured sum.
Medical evacuation to Poland or country of residence
Covered
The insurer organises and covers costs of transporting the insured to their place of residence or the nearest medical facility in Poland where treatment can continue, when medically indicated by the treating physician. Organised via the 24/7 Alarm Centre.
Repatriation of mortal remains
Covered
Covers costs of transporting the deceased insured's remains to the burial location in Poland or country of residence, or costs of burial abroad, including a coffin if required by local regulations. Organised via the Alarm Centre.
Search and rescue operations
Covered
Covers documented costs of search and rescue operations conducted by specialised rescue units in the event of sudden illness or accident abroad, up to 50,000 PLN.
COVID-19 / pandemic quarantine coverage
Conditional
Costs of mandatory quarantine (isolatorium) ordered by medical services during an international trip are covered within the medical expenses sum, provided the sudden illness is confirmed by a diagnostic test for a disease classified as pandemic by WHO, and the pre-booked accommodation cannot be used in another period or the reservation ends during quarantine. Standard treatment of pandemic diseases is covered as a sudden illness under §7.
Pre-existing / chronic disease exacerbation coverage
Optional
By default, deterioration of the insured's health caused by exacerbation or complications of a chronic disease is excluded. This risk can be included by paying an additional premium (optional extension per §3 ust. 5 pkt 14). Chronic disease is defined as a diagnosed condition treated continuously or periodically, or that caused hospitalisation in the 24 months before policy inception.
Winter sports coverage (amateur)
Optional
Optional paid extension covering amateur winter sports: bobsleigh, ice sailing, ice hockey, kiteskiing, kite-snowboarding, figure skating, speed skating, alpine skiing on marked runs, sledding, downhill snowboarding on marked runs. Includes additional benefits: ski pass refund up to 800 PLN, closed piste allowance 100 PLN/day (max 700 PLN), ski equipment rental refund up to 700 PLN, avalanche accommodation up to 250 PLN/day (max 500 PLN).
High-risk sports coverage (amateur)
Optional
Optional paid extension covering amateur high-risk sports including: mountaineering (above 5500m with equipment), rock climbing, BASE jumping, speleology, paragliding, hang gliding, motor sports, water sports on mountain rivers, freediving, heliskiing/heliboarding, freeskiing, downhill mountain biking, kitesurfing, wakeboarding, rafting, triathlon, horse riding, long-distance running (over 5 km), and expeditions to extreme climatic conditions. This extension automatically includes winter sports without additional premium.
Pregnancy complications and emergency obstetric care
Covered
Two sub-limits within the base medical expenses cover: (1) childbirth occurring before the 32nd week of pregnancy – up to 10,000 PLN; (2) one doctor's visit required due to sudden deterioration of health related to pregnancy (excluding delivery itself) plus associated medical transport – up to 5,000 PLN. General pregnancy follow-up and planned obstetric care are excluded.
Third-party personal liability (OC in private life)
Optional
Optional paid extension covering the insured's civil liability towards third parties for personal injury or property damage resulting from unlawful acts committed during travel (foreign or domestic), in connection with private activities, care of children or mentally disabled persons, or use of a bicycle or non-registration-required vehicle. An integral deductible of 500 PLN applies. Available insured sums: 10,000–500,000 PLN (selectable at purchase).
Legal assistance abroad
Covered
Included within the base assistance cover: the insurer organises and covers costs of a professional lawyer's fees up to 3,000 PLN if civil law claims are brought against the insured before courts in the country of stay during international travel. Not applicable to legal problems related to the insured's professional activities, work abroad, or vehicle ownership/operation.
24/7 Alarm Centre assistance (Europ Assistance)
Covered
Round-the-clock Alarm Centre (operated by Europ Assistance Polska, tel. +48 22 483 39 75) is included in all policies. Provides organisation of medical transport, hospitalisation, repatriation, legal assistance, interpreter assistance, document loss assistance, relay of messages, emergency travel assistance, driver replacement and other services listed in the OWU. Message relay is provided without limit.
Key conditions
Assistance call deadline
The insured must contact the Alarm Centre before taking any independent action. If prior contact was impossible for reasons beyond the insured's control, costs incurred may be refunded upon submission of documentation including a detailed event description, medical records, invoices and proof of payment.
Unauthorized treatment
If the insured refuses to return to Poland despite the treating physician confirming that their health condition permits transport, the insurer is not obliged to cover further treatment costs or organise additional services related to the same illness or accident (except repatriation transport).
Purchase while abroad
If the policy is concluded after the start of an international trip, coverage starts no earlier than 3 days after the date of conclusion of the insurance contract and payment of the premium.
Chronic conditions
Deterioration of health caused by exacerbation or complications of a chronic disease (defined as a diagnosed condition treated continuously or periodically, or causing hospitalisation in the 24 months before policy inception, including allergies unless a sudden life-threatening reaction) is excluded unless the optional chronic disease extension has been purchased for an additional premium.
Pregnancy
Routine pregnancy monitoring and planned obstetric care are excluded. Covered as emergency: (1) childbirth before 32nd week of pregnancy up to 10,000 PLN, (2) one medical visit for sudden pregnancy-related health deterioration (excl. delivery) plus related medical transport up to 5,000 PLN. All other pregnancy-related consequences are excluded per §13 ust. 3 pkt 3.
Pre-existing condition exclusions
Pre-existing conditions known before policy inception are excluded unless the chronic disease optional extension has been purchased. Stroke and myocardial infarction are not classified as sudden illnesses if the insured had a diagnosed cardiovascular condition (hypertension, coronary artery disease, arteriosclerosis, diabetes or lipid disorders) before policy inception.
Coverage duration limit
Single-trip policies: minimum 1 day, maximum 90 days. Annual policies: 365 days with the limitation that a single foreign trip may not exceed 90 days. Coverage may be automatically extended by up to 48 hours without additional premium if the insured's return to Poland is delayed due to circumstances beyond their control (transport breakdown, natural events, weather-related cancellations or accidents).
Documents
General Terms and Conditions – Bezpieczny Turysta (OWU, current, AGRO TUW, effective 2023-05-10)
terms_and_conditions
Insurance Product Information Document (IPID) – Bezpieczny Turysta (AGRO TUW)
ipid
Product Information Card – Bezpieczny Turysta (Karta Produktu, Pocztowe TUW, 2020 edition, for reference)
other
Policy specifics
Medical expenses coverage limit
Coverage for medical treatment costs abroad, with limits varying by plan variant (up to 1,000,000 PLN in VIP variant)
Trip cancellation / curtailment insurance
Optional extension to cover costs of trip cancellation or early termination for insured reasons
Travel luggage and baggage insurance
Coverage for loss, damage, or theft of baggage and travel items during the trip
24/7 Emergency Assistance
Round-the-clock assistance services including medical consultation, language support, emergency travel arrangements
Accident/Injury (NNW) insurance
Coverage for financial compensation in case of personal injury or permanent disability from accident during trip
Third-party liability (OC) insurance
Coverage for legal liability for damages caused to third parties or their property during trip
Geographic coverage zones
The product is available in four geographic zones: (1) Domestic (krajowa) – Poland and border zones up to 50 km; (2) Europe – European countries and Mediterranean basin countries (Belarus NOT included in current OWU; Russia covered only in the 2020 Karta version); (3) World (Świat) – all countries except Poland, country of residence and a list of excluded territories (incl. USA, Canada, Russia, Belarus); (4) Whole World (Cały Świat) – same as World but includes USA and Canada. Premium and available insured sums vary by zone.
Extreme/winter sports coverage
Optional extension for coverage of activities such as skiing, snowboarding, mountaineering, and other extreme sports
Initial waiting period
Policy does not cover medical claims for conditions that existed before the trip start date or within initial waiting period
Automatic coverage start date
Coverage typically begins at the moment of crossing the Poland border or country of residence
Claim notification timeframe
Insured must notify claims within specified deadline (typically 24-48 hours for medical events, varies by claim type)