UNIQA

Medical treatment expenses (abroad)

Covered

Covers medically necessary and documented costs of treatment abroad resulting from sudden illness or accident: medical consultations, hospital stay, prescribed medications, diagnostic procedures, emergency dental treatment, ambulance transport, and repatriation transport to Poland or country of residence. Chronic, oncological and psychiatric disease exacerbation costs covered up to 100% of the medical expenses sum insured. Four variants: Basic 300,000 PLN, Extended 750,000 PLN, Optimal 1,250,000 PLN, Maximum 2,500,000 PLN.

Emergency medical treatment

Covered

Emergency medical treatment is covered as part of the medical expenses clause. Includes medical consultations, diagnostic tests, prescribed medication, emergency dental treatment (acute pain and inflammation), and hospital treatment that cannot be deferred until return to Poland. The Emergency Assistance Centre selects the appropriate hospital and arranges transport. Sum insured ranges from 300,000 PLN (Basic) to 2,500,000 PLN (Maximum).

Hospitalization abroad

Covered

Covers costs of hospital stay, medical procedures and surgeries abroad that cannot be deferred due to the insured's health condition. The Emergency Assistance Centre selects the hospital, arranges ambulance transport, and liaises with the hospital throughout the stay. Covered within the overall medical expenses limit (300,000–2,500,000 PLN depending on variant). A separate daily benefit of 125 PLN (max 10 days, for stays exceeding 2 days) is payable for hospitalization in Poland after return.

Outpatient treatment abroad

Covered

Covered within the medical expenses clause. Includes outpatient consultations, ambulatory diagnostic tests and procedures, prescribed medications and dressings (excluding vitamins, supplements, cosmetics), and transport to/from the nearest healthcare facility. One follow-up visit after illness that began during travel is also reimbursable. Covered within the overall KL sum insured (300,000–2,500,000 PLN).

Emergency dental treatment

Covered

Covers costs of dental treatment in cases of acute pain and inflammatory conditions requiring immediate medical assistance. Sub-limit of 2,500 PLN applies in all four variants. Conservative and prosthetic dental treatment (routine) is excluded; dental implants are excluded.

Medical transport to Poland or country of residence

Covered

Covers necessary and documented costs of medical transport of the insured to Poland or country of residence (to a healthcare facility or home) when required by the attending physician. Also covers transport after completion of treatment when the insured cannot use originally planned transport. If the cost of transport to the country of residence exceeds the cost to Poland, the limit is capped at the Poland transport cost. Covered within the KL sum insured (300,000–2,500,000 PLN).

Medical evacuation

Covered

Covered as part of the medical transport clause. Includes transport of the insured to a more appropriate hospital or healthcare facility abroad when the current facility cannot provide adequate care (per written recommendation of attending physician), as well as full medical repatriation to Poland or country of residence. Organised and coordinated by the Emergency Assistance Centre. Covered within the KL sum insured (300,000–2,500,000 PLN).

Repatriation of mortal remains

Covered

If the insured dies abroad due to a sudden illness or accident, the insurer organises all formalities and covers: costs of burial abroad OR transport of the body to the place of burial in Poland or country of residence, and purchase of a coffin or urn and cremation abroad. Sub-limit for coffin/cremation costs: 6,000 PLN in all variants. Repatriation transport covered within overall KL sum insured.

Search and rescue costs

Covered

Covers necessary and documented costs of search and rescue operations conducted by specialised rescue services to save the life or health of the insured who suffered an accident (not necessarily resulting in permanent injury) or sudden illness during any sports activity abroad. Includes: search costs from the moment of reporting disappearance until found, on-site first aid, and specialist transport (e.g. helicopter, toboggan, motorboat) from the accident site to the nearest required medical care point. Sub-limit equals 100% of KL sum insured per variant (300,000–2,500,000 PLN).

COVID-19 and pandemic treatment

Covered

Coverage for COVID-19 treatment costs is automatically included in all policies containing the medical expenses (KL) component, without any additional premium surcharge. Pandemic and epidemic risks are included. The policy also covers isolation costs (up to 5,000 PLN per person) and quarantine costs (up to 5,000 PLN per person including return transport) imposed by local health authorities during the stay abroad, when they cannot be served in the insured's current accommodation or exceed the planned trip duration.

Winter sports cover

Covered

Amateur skiing and snowboarding (on designated slopes including snowpark without acrobatics) are included in the standard policy scope (Column A – amateur sports) at no extra premium in all variants. The additional 'Winter Package' (Pakiet Zimowy) is an optional paid add-on and includes: refund of ski pass costs up to 1,250 PLN, daily benefit for closed ski slopes 100 PLN/day (max 10 days, between 15 Dec–30 Mar), and reimbursement of ski/snowboard equipment rental 100 PLN/day (max 10 days). The Winter Package always includes sports OC and sports equipment cover.

Personal liability (OC in private life)

Covered

Covers civil liability of the insured for personal injury (death, bodily harm, health disorder) or property damage caused to third parties by a tortious act during foreign travel. Guarantee sum (personal injury): Basic 200,000 PLN, Extended 250,000 PLN, Optimal 500,000 PLN, Maximum 1,000,000 PLN. Property damage sub-limit: 50% of guarantee sum. A 500 PLN deductible (franchise integralna) applies per event. Excludes: damage to close family members, liability arising from work, motor vehicles, sports activities (sports OC requires add-on), animals (dogs, horses, wild/exotic animals).

Legal assistance abroad

Covered

If the insured requires legal assistance in criminal or misdemeanour proceedings abroad, the insurer covers attorney and interpreter fees up to 12,500 PLN in all variants. If proceedings reveal intentional conduct by the insured, the insured must reimburse the legal assistance costs. Excludes matters related to work, business activities, or motor vehicle operation.

24/7 Emergency Assistance Centre

Covered

A 24/7 Emergency Assistance Centre (operated by ISON Care on behalf of UNIQA) is available throughout the entire period of coverage. Services include: 24/7 duty line, travel information, assistance with lost documents/credit card blocking, organisation and direct payment of medical treatment, transport of companion, transport of minor children, early return assistance, coordination of legal assistance, COVID-19 isolation and quarantine support, and reimbursement of veterinary costs for pets (up to 1,500 PLN). All assistance services organised and paid directly by the Centre.