Wiener Travel insurance (Pakiet Podroz)

Covers medically necessary costs of treatment of illness or accident consequences that the insured must undergo immediately during foreign travel. Selectable insured sum from 40,000 EUR to 250,000 EUR (abroad) or 10,000 to 50,000 EUR (domestic travel in Poland). Includes hospital treatment and surgery, outpatient diagnosis and procedures, dental emergencies (up to 500 EUR sub-limit), medications and dressings, auxiliary aids, tropical disease treatment after return to Poland (up to 15,000 PLN sub-limit), continuation of treatment after return to Poland (up to 5,000 PLN sub-limit), repatriation, 24/7 assistance services, and numerous other assistance benefits.

Via the Emergency Centre, the insurer organises and pays for hospital treatment and surgery that is medically necessary due to illness or accident during foreign travel. Also covers use of a decompression chamber if necessary. Covered up to the full insured medical expenses sum (40,000–250,000 EUR selectable).

Hospitalization is covered as part of the medical expenses benefit, up to the full selected insured sum (40,000–250,000 EUR). Includes hospital treatment, surgical procedures, and in-hospital stays related to acute illness, accident, or exacerbation of chronic disease. Companion travel, accommodation and subsistence costs are additionally covered at up to 1% of the insured sum per day for a maximum of 7 days where hospitalization lasts at least 7 days.

Covers outpatient treatment of illness or accident, including doctor visits, diagnostic tests ordered by a physician, and outpatient procedures during foreign travel. Also covers doctor home visits if the insured cannot travel to a doctor. Covered up to the full insured medical expenses sum. For chronic disease exacerbations, outpatient diagnosis and procedures are also covered within the standard medical sum.

Covers emergency dental treatment for acute pain or inflammation requiring immediate dental care during foreign travel. Sub-limit of 500 EUR within the medical expenses insured sum. Excludes preventive and prosthetic dental treatment. If the insured independently organises dental treatment, costs are reimbursed.

Covers transport from the place of illness or accident to the nearest medical facility, between medical facilities, and from a medical facility back to the insured's place of stay, using a means of transport appropriate to the insured's health condition. Covered up to the full insured medical expenses sum. If self-organised, costs are reimbursed.

If medically necessary, the Emergency Centre organises and pays for transport of the insured to a hospital or place of residence in Poland or the country of permanent residence. The cost of transport does not reduce the medical expenses insured sum. Transport must be approved by the Emergency Centre; mode of transport must meet conditions specified by the attending physician. If the insured organises transport independently, costs are reimbursed up to the amount the Emergency Centre would have incurred.

In the event of the insured's death during foreign travel, the Emergency Centre organises and pays for transport of the remains to Poland or country of permanent residence, regardless of cause of death. If relatives organise transport, costs are reimbursed including the cost of a special transport coffin. The cost of transport does not reduce the medical expenses insured sum. If funeral or cremation takes place abroad, only costs of funeral/cremation plus transport of urn are covered. Covered up to the amount the Emergency Centre would incur, maximum equal to the insured medical expenses sum.

If the insured goes missing during foreign travel, the Emergency Centre organises a search by specialised mountain or water rescue services and covers the costs of the search operation and first medical aid provided from the moment of finding the insured until transport to the nearest medical facility. Covered up to the full insured medical expenses sum.

Medical treatment costs for COVID-19 contracted during foreign travel are covered up to the full medical expenses insured sum, but only if the insured met one of the following conditions on the day of departure: (1) was fully vaccinated against COVID-19 (at least 14 days before travel), OR (2) had a negative PCR or antigen test result taken within 72 hours before travel, OR (3) was a convalescent (recovered within 6 months before travel) and additionally held a negative PCR/antigen test result or quarantine certificate — to the extent such requirements apply to the destination country. Coverage applies subject to the destination country's applicable entry/health requirements.

Acute exacerbations of chronic diseases (diagnosed before contract conclusion, long-term, periodically or continuously treated) are covered within the standard medical expenses insured sum, including hospital treatment, surgery, outpatient diagnosis and ambulatory procedures. Stable, non-acute conditions and treatment that goes beyond restoring health to the level enabling return to Poland are excluded. Conditions diagnosed before travel whose purpose is to undergo treatment are excluded. Costs of rehabilitative treatment are excluded.

Amateur sports including winter sports (skiing, snowboarding, tobogganing on designated slopes, ice skating, hockey on prepared ice rinks) and water sports are covered under the standard medical expenses benefit without any additional premium. Additionally, costs of unused ski passes or sports school lessons (ski, snowboard, sailing, surfing, windsurfing) are reimbursed up to 250 EUR above the medical expenses insured sum if the insured cannot use them due to illness or accident. Competitive/professional sports and high-risk sports require a separate optional extension.

Coverage for events related to competitive (professional/club) sport practice or high-risk sports is excluded from the base product but can be optionally added for an additional premium. High-risk sports are defined in the OWU glossary and include (among others): abseiling, mountaineering, underground mountaineering, ballooning, bobsled, bungee jumping, BASE jumping, downhill MTB, heli-skiing, kiteboarding, paragliding, parkour, rugby, skydiving, speleology, aviation sports, powered water sports, gliding, climbing, ice climbing, high-altitude expeditions (above 5,500 m), off-piste skiing. Physical labour also requires a separate extension.

The policy does not provide a named benefit for pregnancy complications. Childbirth occurring after the 32nd week of pregnancy and postnatal care of mother and child are explicitly excluded (Klauzula 1, pkt 12.6). Termination of pregnancy costs are also excluded. General acute illness conditions during pregnancy would in principle fall under the medical expenses benefit, but complications related to labour and delivery after 32 weeks, and postnatal treatment, are not covered.

Optional extension covering the insured's tortious civil liability for personal injury and property damage caused to third parties during the period of foreign travel (or domestic travel). Selectable guarantee sum from 25,000 EUR to 200,000 EUR for foreign travel. The insurer is liable for unintentional damage and gross negligence. Includes liability for pets, amateur sports equipment, short-term property rental (max 30 days), drones in open category and recreational model aircraft up to 5 kg, and damage to rental vehicle deposits up to 750 PLN. Key exclusions: mutual damage between co-insured persons and close relatives; professional/commercial activity; intentional damage; water craft other than as defined in OWU; aircraft; registered motor vehicles (except deposit retention).

Via the Emergency Centre, a lawyer and translator are organised on behalf of the insured for civil liability matters under local law at the travel destination. Covers their fees. Limit: 5,000 EUR above the medical expenses insured sum. Does not cover: criminal liability, professional/commercial activity, or matters related to vehicle ownership/operation.