You Can Drive Travel insurance (You Can Drive Travel)

Covers necessary and immediate medical treatment costs incurred during travel due to sudden illness (including COVID-19), mandatory isolation/quarantine, or accident. Includes inpatient and outpatient treatment, surgery, diagnostic tests, prescribed medications, orthopaedic aids and dressings, use of decompression chambers. The insured sum is set by the policyholder per insured person and stated in the policy document. All costs and services are covered up to the full KL&A insured sum.

Includes emergency outpatient and hospital treatment, procedures and operations that could not be postponed until return to Poland or country of residence, consultations, and prescribed medications. Covered up to the full KL&A insured sum. The Alarm Centre selects and contacts the appropriate hospital.

Hospital stay, treatment, surgery, and procedures covered up to the full KL&A insured sum, provided the treatment could not be deferred until return to Poland or the insured's country of residence.

Covers outpatient diagnostic tests, procedures, medical consultations, and prescribed medications including infusion fluids and orthopaedic aids, up to the full KL&A insured sum. Organisation of a doctor's visit at the hotel or place of stay is included.

Emergency dental treatment covered up to PLN 2,000 as part of the medical costs (Koszty Leczenia) benefit. Covers only immediate and necessary dental treatment; routine and non-urgent dental care is excluded.

Covers ambulance transport from the scene to the nearest medical facility, transport between hospitals abroad, transport after treatment to accommodation, and return transport to Poland or country of residence if required by health condition and planned transport cannot be used. Covered up to the full KL&A insured sum. The Alarm Centre decides on the means and timing of transport after consultation with the treating physician.

Evacuation from the scene of accident or illness to the nearest appropriate medical facility, including air or sea transport. Covered within the Transport component of the KL&A benefit up to the full insured sum. The Alarm Centre organises and decides on the mode of transport.

In the event of the insured person's death, covers cremation, transport of the body or urn with ashes to the country of residence, or burial abroad. Covered within the Transport component of the KL&A benefit up to the full insured sum.

Covers search operations by specialised rescue services, medical assistance at the scene, and air or sea transport from the scene to the nearest medical facility. Limit: PLN 50,000 per insured per period of insurance.

Sudden illness due to SARS-CoV-2 infection (and its mutations) is an insured event under KL&A. Covers necessary medical treatment costs up to the full KL&A insured sum. Additionally, hotel stay with meals during mandatory isolation or quarantine and return transport in such situations are covered, subject to a combined limit of PLN 10,000 for hotel stay and transport. Mandatory quarantine imposed on travellers crossing national borders is excluded.

Chronic diseases are excluded by default. However, a standard exception applies: KL&A covers events arising from specifically listed diagnosed chronic metabolic conditions (allergy, bronchial asthma, all types of diabetes, depression, discopathy, insulin resistance, atherosclerosis, hypo/hyperthyroidism, hypertension, obesity) provided the insured was under medical supervision and followed the treating physician's recommendations. Full chronic disease cover for all conditions requires payment of an additional premium (extension: Choroba przewlekła).

Recreational skiing and snowboarding on marked pistes are classified as recreational sports and covered in the base product. Competitive cycling (races), off-piste skiing, ski-racing and other activities classified as 'risky sports' (Sporty ryzykowne) require payment of an additional premium to be covered.

Sports classified as 'Sporty ryzykowne' (risky sports) in Annex 1 — including scuba diving (up to 30m), kayaking, kitesurfing, mountain trekking up to 5,300m, parasailing, skeleton, ski jumping, etc. — are excluded from the base product. Coverage can be extended for an additional premium.

Childbirth and pregnancy-related costs are excluded unless birth occurs before the 32nd week of pregnancy. Termination of pregnancy is excluded unless performed to save the life or health of the insured and permitted by the law of the country where performed.

Covers civil liability for property damage or personal injury caused to third parties during private activities while travelling. The guarantee sum is set by the policyholder and stated in the policy document. Covers damages caused by minor children and pets, recreational sports activities, use of rented accommodation or property. Also covers the insured's own excess (up to PLN 2,000) in damage to a rented vehicle.

No separate legal assistance coverage is provided under this product. The OC in Private Life component covers the cost of an expert appraiser (up to 20% of the guarantee sum) appointed with ERGO Hestia's written consent to establish circumstances, causes or extent of damage.