TUW "TUW" Travel insurance (Bezpieczna Podroz)

Covers costs of emergency medical treatment arising from sudden illness, accident, or exacerbation/complication of pre-existing chronic diseases during travel abroad. Includes hospitalisation, outpatient treatment, necessary surgical procedures, diagnostic tests ordered by the treating physician, prescribed medications and dressings, emergency dental treatment (up to 1,000 PLN), pregnancy-related treatment up to 32nd week (up to 10,000 PLN, max 2 visits), COVID-19 treatment and doctor-ordered test, and 2 telemedicine consultations. MINI: 100,000 PLN; STANDARD: 200,000 PLN; KOMPLEKS: 400,000 PLN; VIP: 1,000,000 PLN. Sum is per person, per insured event.

Covered at 100% of the medical expenses insured sum (KL) across all tiers. Includes hospitalisation, outpatient treatment, urgent and emergency surgical operations, and doctor-ordered diagnostic tests within the overall medical expenses limit. MINI: 100,000 PLN; STANDARD: 200,000 PLN; KOMPLEKS: 400,000 PLN; VIP: 1,000,000 PLN.

Covered at 100% of the medical expenses insured sum across all tiers. Hospitalisation is defined as an uninterrupted hospital stay exceeding 24 hours, related to treatment of conditions resulting from sudden illness or accident that cannot be treated on an outpatient basis. MINI: 100,000 PLN; STANDARD: 200,000 PLN; KOMPLEKS: 400,000 PLN; VIP: 1,000,000 PLN.

Covered at 100% of the medical expenses insured sum across all tiers. Outpatient treatment is defined as treatment in a medical facility following sudden illness or accident, lasting less than 24 hours. Includes doctor visits and medically necessary diagnostic tests. MINI: 100,000 PLN; STANDARD: 200,000 PLN; KOMPLEKS: 400,000 PLN; VIP: 1,000,000 PLN.

Covered up to 1,000 PLN across all tiers as a sub-limit within the medical expenses sum insured. Covers dental treatment in cases of acute inflammatory or pain conditions, or where the need results from an accident covered by the policy. Routine dental treatment not requiring immediate necessary medical assistance is excluded.

Covered at 100% of the medical expenses insured sum (KL) across all tiers as part of the assistance component. Includes: transport from the location of the accident/illness to the nearest appropriate medical facility; transport between hospitals; transport to another hospital if the current one cannot provide adequate care; transport from the medical facility back to the insured's accommodation after treatment when the treating physician advises against using own or public transport. Also covers use of a decompression chamber in medically justified cases. MINI: 100,000 PLN; STANDARD: 200,000 PLN; KOMPLEKS: 400,000 PLN; VIP: 1,000,000 PLN.

Transport of the insured to their country of residence (or to a medical facility in their country of residence) is explicitly stated as without limit (bez limitu) across all tiers, as an exception to the general medical expenses sum insured cap. Organised and funded by the insurer via Centrum operacyjne after authorisation by the insurer's physician in agreement with the treating doctor. Transport method adapted to the insured's health condition. If the insured refuses repatriation, further coverage for that event ceases.

Transport of the insured's mortal remains to the place of burial in their country of residence is explicitly stated as without limit (bez limitu) across all tiers, as an exception to the general medical expenses sum insured cap. In addition, the insurer covers the cost of a transport coffin up to 4,000 PLN. In case of cremation at the place of the insured event, the insurer covers cremation costs and transport of ashes to the place of burial in Poland up to the amount that would have been incurred for transport of remains. Funeral costs are also covered up to 2,000 PLN.

Covers costs of searching for the insured (in mountains, on land and water) conducted by specialised units, plus costs of emergency medical assistance (rescue) from the moment of finding the insured until transport to the nearest medical facility. Covered up to 100,000 PLN in aggregate for search and rescue costs across all tiers.

Covered at 100% of the medical expenses insured sum across all tiers as a sub-component of medical expenses. Covers costs of treatment of COVID-19 illness and costs of a COVID-19 test, provided the test was ordered by a physician seen by the insured and the insured holds a document confirming the test result. Excluded: prophylactic (unsolicited) COVID-19 tests, quarantine/isolation costs, transport costs to Poland where return was prevented by border closures or flight bans imposed by public authorities, and transport not ordered by a physician. MINI: 100,000 PLN; STANDARD: 200,000 PLN; KOMPLEKS: 400,000 PLN; VIP: 1,000,000 PLN.

Acute exacerbations and complications of pre-existing chronic diseases (diagnosed before the insurance contract was concluded) are covered within the medical expenses sum insured across all tiers, provided the condition manifests as a sudden intensification of symptoms requiring immediate medical assistance. Primary/routine treatment of chronic diseases is not covered. Cancer is treated as a chronic disease. MINI: 100,000 PLN; STANDARD: 200,000 PLN; KOMPLEKS: 400,000 PLN; VIP: 1,000,000 PLN. Note: if the insured knew of contraindications to travel before purchase, claims may be denied.

Base coverage excludes accidents and illnesses arising from winter sports activities. An optional extension is available for an additional premium, covering medical costs and assistance for winter sports incidents (skiing, snowboarding on marked slopes, ice skating, etc. per the OWU definition of 'sporty zimowe'). When activated, also includes: refund of unused ski pass up to 600 PLN; refund of unused ski equipment rental up to 600 PLN. Medical expenses limit follows the selected tier: MINI: 100,000 PLN; STANDARD: 200,000 PLN; KOMPLEKS: 400,000 PLN; VIP: 1,000,000 PLN.

Base coverage explicitly excludes extreme/adventure sports. An optional extension is available for an additional premium. Extreme sports covered under the extension include an extensive list defined in WU-44.02 §2 pt.78: abseiling, ballooning, bouldering, baseball, long-distance running, orienteering, horse riding, downhill mountain biking, flyboard, American football, free skiing, free snowboarding, acrobatic gymnastics, heliboarding, heliskiing, hydrospeed, underwater hockey, quad biking, motor racing on closed tracks, mountain biking, snow parks, mountain kayaking, kitesurfing, road cycling, cricket, athletics, longboard skateboarding, hang gliding, archery, motocross, paragliding, motorised hang-gliding, hunting, scuba diving >30m, parasailing, yacht sailing >20 nautical miles, polo, weightlifting, rafting, historical re-enactments, rugby, bungee jumping, ski jumping, skydiving, speedway, spelunking, fencing, gliding, speedrover, cliff/platform diving, martial arts, sport shooting, technical trekking (>5500m), triathlon, wakeboarding, rowing, indoor climbing, ice climbing, high-altitude mountaineering (>5500m), expeditions to extreme environments. Physical labour extension is also available separately.

Covered up to 10,000 PLN in aggregate (maximum 2 medical visits) across all tiers, as a sub-limit within the medical expenses sum insured. Coverage applies only up to the end of the 32nd week of pregnancy. Childbirth and treatment after the 32nd week of pregnancy are excluded. At-risk pregnancies (noted in maternity card) may affect coverage eligibility.

Covers civil liability (tort) of the insured during travel for personal injury and property damage caused to third parties in connection with activities in private life, where the insured is legally obligated to pay compensation under the law of the country of stay. Property damage liability is capped at 50% of the guarantee sum. A deductible (franszyza redukcyjna) of 600 PLN applies to each property damage claim. Not available in MINI tier. STANDARD: 200,000 PLN; KOMPLEKS: 300,000 PLN; VIP: 500,000 PLN. The guarantee sum is shared across all events in the policy period.

If the insured comes into conflict with local law, the insurer provides assistance in hiring a lawyer and reimburses court and legal service costs up to 1,000 PLN, across all tiers as part of the assistance component. The insured has the right to freely choose their own lawyer or attorney. Protection does not apply if the legal problem is connected with professional activity, vehicle operation/storage, criminal acts, political activity, smuggling, drugs, alcohol, or weapons.

Comprehensive 24/7 assistance services are included in all tiers as part of the KL+Assistance combined coverage. Services include: 24/7 telephone helpline in Polish; telephone medical consultation with insurer's physician; English-language interpreter assistance for medical matters; transport of accompanying family members (up to 400 PLN/day/person, max 7 days); childcare for accompanying minors (up to 400 PLN/day, max 3 days if carer organises; max 7 days if insurer organises); family member/nominated person visit during hospitalisation >7 days (transport + hotel up to 400 PLN/day, max 7 days); continuation of travel after recovery; extension of insurance coverage by up to 48 hours in case of delayed return; message forwarding; bail bond facilitation (up to 10,000 PLN); emergency cash assistance after robbery/extortion (up to 1,000 PLN); lost document assistance; psychologist consultation after rescue operation (1 session); funeral cost assistance (up to 2,000 PLN); transport coffin (up to 4,000 PLN); home appliance emergency repair (up to 1,000 PLN aggregate). Remaining assistance benefits covered up to the medical expenses sum insured. MINI: 100,000 PLN; STANDARD: 200,000 PLN; KOMPLEKS: 400,000 PLN; VIP: 1,000,000 PLN (for benefits within SU KL); unlimited for medical evacuation and repatriation of remains.

Covers death of the insured resulting from an accident during travel (100% of the insured sum) and bodily injury resulting from an accident, with the benefit paid as the percentage of the insured sum corresponding to the degree of bodily injury established under the body-injury table. Sum insured per variant: MINI 10,000 PLN; STANDARD 40,000 PLN; KOMPLEKS 50,000 PLN; VIP 100,000 PLN. Sum is per insured person, per insured event.