TUZ Ubezpieczenia Insurance and Reinsurance Company Joint-Stock Company
TUZ Ubezpieczenia
TUZ Ubezpieczenia is a travel insurance for the Poland market with online purchase and 24/7 assistance.
Direct payment
Assistance services are organized and claims coordinated through Mondial Assistance (24/7 alarm centre). The insurer organizes and covers necessary medical treatment costs directly; reimbursement is also available for costs incurred and documented by the insured.
Geographic scope
Three selectable territorial zones: Zone A (Europe and Mediterranean countries), Zone B (World excluding USA and Canada), Zone C (Worldwide)
Coverage begins upon crossing the Polish border and ends upon return to Poland. Zone selected at purchase determines territorial scope.
Starting price
PLN 54
Unique selling points
- Acute exacerbations of chronic diseases are covered in the standard scope at no extra charge – most Polish travel insurers exclude this or charge a significant additional premium.
- Medical treatment costs covered up to 1,500,000 PLN – one of the highest insured sums available on the Polish travel insurance market.
- Coverage applies even after alcohol consumption (alcohol clause) for medical costs, assistance, personal liability and accident benefits – a standout inclusion not offered as standard by many competitors.
- 24/7 assistance in Polish operated by Mondial Assistance, a globally recognised assistance centre, reachable with a single phone call for medical, logistical and translation support.
- Recreational amateur sports including cycling, recreational kayaking and on-piste skiing are covered in the base policy without any additional premium, with the Sports Package optionally extending rescue operation cover to 100,000 PLN.
Coverage limits
Medical treatment costs abroad
Covered
Covers costs of medical treatment abroad arising from sudden illness (including COVID-19), accident, and acute exacerbation of chronic disease. The maximum insured sum is 1,500,000 PLN, confirmed as the ceiling in the Premium variant for Zone B and C. Specific limits per tier and zone are defined in the OWU and Product Card.
Emergency medical treatment
Covered
Emergency medical treatment (outpatient visits, diagnostics, hospitalization, medications) is covered within the overall medical expenses insured sum of up to 1,500,000 PLN. Covered in the standard scope; specific sub-limits detailed in OWU.
Hospitalization
Covered
Hospitalization costs covered within the overall medical expenses insured sum. Specific sub-limits not stated in available marketing sources; refer to OWU for details.
Outpatient treatment
Covered
Outpatient medical visits and consultations covered within the overall medical expenses insured sum. Specific sub-limits not stated in available marketing sources; refer to OWU for details.
Emergency dental treatment
Covered
Emergency dental treatment is referenced as part of the standard medical coverage scope. Specific sub-limits not published in available marketing sources; details in OWU.
Medical transport to Poland
Covered
Organization and coverage of medical transport costs back to Poland is explicitly included in the standard scope. Coordinated through Mondial Assistance. Specific monetary sub-limit not published in available marketing sources; details in OWU.
Medical evacuation
Covered
Medical evacuation is organized through Mondial Assistance as part of the standard assistance scope. Specific sub-limit not published in available marketing sources; details in OWU.
Repatriation of remains
Covered
Repatriation of remains is included as part of the standard assistance and medical transport scope. Specific sub-limit not published in available marketing sources; details in OWU.
Search and rescue operations
Optional
Professional search and rescue operations (including helicopter use) covered up to 100,000 PLN only when the policy is extended with the Sports Package (for recreational sports) or the High-Risk Sports add-on. Not included in the base standard scope.
COVID-19 treatment
Covered
Treatment costs resulting from COVID-19 are explicitly covered within the standard medical expenses insured sum (up to 1,500,000 PLN maximum). Covered under the general medical expenses scope.
Acute exacerbation of pre-existing / chronic conditions
Covered
Acute exacerbations of chronic diseases are covered in the standard scope without any additional premium or add-on. This is a key differentiator, as most Polish travel insurers exclude or charge extra for chronic disease coverage. Coverage applies within the overall medical expenses insured sum (up to 1,500,000 PLN maximum). The condition must have been stable before travel; sudden, unforeseeable deterioration is required.
Winter sports coverage
Conditional
Recreational skiing and snowboarding on marked slopes is covered in the standard scope at no extra charge. Off-piste skiing, extreme winter sports, and high-risk winter activities require the Sports Package or High-Risk Sports add-on. Specific monetary sub-limits for winter sports not published in available marketing sources; details in OWU.
Adventure / extreme sports coverage
Optional
High-risk and extreme sports (off-piste skiing, climbing, deep diving with breathing apparatus, etc.) require the High-Risk Sports add-on at an additional premium. Recreational / amateur sports (cycling, recreational kayaking, skiing on marked slopes) are covered in the standard scope. The Sports Package add-on also includes rescue operation coverage up to 100,000 PLN and sports equipment coverage up to 10,000 PLN.
Pregnancy complications
Covered
Pregnancy-related medical costs are covered within the standard medical expenses scope. Specific sub-limits and gestational age restrictions are not published in available marketing sources; details in OWU.
Personal liability (OC) in travel
Covered
Civil liability (OC) for damages caused to third parties during travel is included in the standard scope. Financial support for third-party claims up to 800,000 PLN. Coverage also applies after alcohol consumption under the alcohol clause.
Legal assistance
Covered
Translation support and logistical assistance are mentioned as part of the 24/7 assistance scope. Specific legal assistance monetary limits not published in available marketing sources; details in OWU.
24/7 assistance services
Covered
Round-the-clock assistance services available in Polish language, operated by Mondial Assistance (a reputable global assistance centre). Includes medical, logistical and translation support. Available 24 hours a day, 7 days a week via a single phone call.
Key conditions
Assistance call deadline
In case of a medical event, the insured must contact the Mondial Assistance alarm centre before taking any action in order for costs to be covered. Specific deadline (e.g. number of hours) not published in available marketing sources; details in OWU.
Unauthorized treatment
Treatment undertaken without prior contact with the Mondial Assistance alarm centre may not be reimbursed or may be reimbursed only in part. Details and any specific penalty percentage defined in the OWU.
Purchase while abroad
Travel insurance (Ubezpieczenie podróży) can be purchased on the day of departure or even while already abroad, but coverage for trip cancellation (Ubezpieczenie kosztów rezygnacji) must be purchased within a specified time frame from the booking date as defined in the OWU.
Chronic conditions
Acute exacerbations of chronic diseases are covered in the standard scope without additional premium. The condition must have been stable before departure. Coverage requires a sudden, unforeseeable deterioration of symptoms of a disease diagnosed before the policy was taken out.
Pregnancy
Pregnancy-related medical costs are covered within the standard medical expenses scope. Specific gestational age limits (if any) and sub-limits are defined in the OWU.
Pre-existing condition exclusions
Pre-existing chronic conditions are covered for acute exacerbations in the standard scope at no extra cost. The insured's health must have been stable and suitable for travel before departure. Chronic disease trip cancellation coverage (rezygnacja z powodu zaostrzenia choroby przewlekłej) is an optional add-on at additional premium.
Coverage duration limit
Travel insurance covers single trips from border crossing until return to Poland. Maximum single trip duration and any annual multi-trip limits are defined in the OWU.
Where to buy
Documents
TUZ OWU and Product Cards document list (includes OWU and DZIPU/Karta Produktu for Bezpieczna Podróż, stored on blockchain)
terms_and_conditions
Policy specifics
Medical expenses limit
Coverage for treatment costs abroad up to 1.5 million PLN
Chronic disease acute exacerbation
Coverage for acute exacerbations of chronic diseases included in standard package without additional premium
Medical transport to Poland
Organization and coverage of medical transport costs back to Poland
Trip cancellation due to chronic disease exacerbation
Optional coverage for trip cancellation or shortening due to acute exacerbation of chronic disease
Baggage protection
Coverage for baggage loss, theft, or damage during travel
Civil liability
Coverage for personal liability when insured person causes damage to third parties
Accidental injury benefits
Benefits for consequences of accidental injuries during travel
Sports package
Wide range of recreational sports covered in basic scope, expandable with optional Sports Package
Rental vehicle damage waiver
Coverage of own contribution (deductible) for rental vehicle damage
Territorial coverage zones
Three optional territorial zones: Zone A (Europe and Mediterranean), Zone B (World excluding USA and Canada), Zone C (Worldwide)
Alcohol clause
Coverage applies even after alcohol consumption for medical treatment costs, assistance services, and accident benefits
EKUZ card holder discount
10% premium discount for holders of European Health Insurance Card (EKUZ)
24/7 assistance in Polish
Round-the-clock assistance services available in Polish language
Purchase timeline flexibility
Travel insurance can be purchased even on the day of departure; trip cancellation insurance must be purchased within specified timeframe from booking