Travel Insurance - Bank Spółdzielczy w Szczytnie

The Compensa TRAVEL insurance offers:

• 24-hour assistance in emergencies threatening health, covering medical treatment and transport costs without the need to engage personal funds,
• protection applies worldwide,
• accidental death and civil liability are active from the moment of leaving home,
• the insured's age has no effect on the premium amount,
• medical transport to Poland does not reduce the sum allocated for covering treatment costs,
• possibility of specialized treatment, including using a decompression chamber, even for high-risk sports,
• coverage of rescue operation costs in the mountains and helicopter transport.

Comprehensive protection – safety in every situation

Coverage of medical treatment costs abroad – up to 500,000 euros, including hospitalization, surgeries, medications – within the selected amount of medical treatment insurance.
Clients can count on support in the case of:

• hospitalization and surgery after an accident or sudden illness,
• outpatient and specialist visits,
• incurred costs of medications, bandages, and infusions,
• dental treatment up to 500 euros,
• continuation of treatment after returning to Poland up to 5,000 PLN,
• treatment of tropical diseases after returning to the country – up to 15,000 PLN.

Immediate assistance worldwide 24/7

In case of an emergency, Compensa Travel provides full organizational and financial support within the insurance sum for assistance services, including:

• medical transport to the hospital,
• return transport to Poland or the country of permanent residence,
• coverage of the accompanying person's stay costs – up to 200 euros per day for 7 days,
• coverage of the costs of early return to the country up to 1,000 euros,
• translation assistance – up to 500 euros,
• legal assistance – up to 5,000 euros,
• rescue operation and search costs,
• costs of essential items in case of flight delays – up to 150 euros,
• organization of the return of accompanying persons in case of the insured's death.

The insurance package ERGO Travel – travel abroad with peace of mind!

Who is ERGO Travel for?

• insurance for the whole family when traveling abroad;
• protection during private and business trips;
• offer also for sole proprietors;
• insurance for tour organizers and sports instructors; comprehensive protection for active individuals;
• offer for all clients – without age limits;

Advantages of ERGO Travel:

• three ready-to-choose variants with high sums insured – up to 3,000,000 PLN;
• terrorism coverage in a safe country as part of the insurance;
• organization of cashless medical assistance;
• wide range of Assistance services;
• full territorial scope – insurance tailored to the direction of travel;
• all extensions available in every variant, high-risk sports included in the insurance;
• possibility of purchasing short-term or annual insurance;
• possibility to conclude an insurance contract in named or group form in one transaction;

Each of the three variants includes 5 basic insurances:

• Medical assistance and treatment costs;
• Travel Assistance;
• Accident insurance;
• Civil liability;
• Baggage;

Additional insurance:

• sports equipment
• accident while traveling
• season passes and courses

The Generali Travel Insurance provides protection and peace of mind during your vacation at home and abroad.

Domestic Travel:

Depending on who you are traveling with, you can choose a policy:

• individual,
• family – when you travel, for example, with a child
• group

The insurance:

• protects you while traveling in Poland and in the border area of neighboring countries reaching no further than 50 km from the common border;
• provides protection and assistance 24 hours a day;
• is responsible for damages you cause under the influence of alcohol;

Scope of insurance:

• life or health of the Insured, as well as those they travel with (and for whom they buy a policy);
• Assistance, e.g.: if you have an accident, Generali will arrange a doctor's visit and cover its costs, and also organize the transport of the Insured from the medical facility to home, if, as a result of the accident, they find themselves in the hospital, for the insured's child, will organize care and transport home;

You can benefit from additional coverage, including:

• Insurance for medical expenses and Assistance related to accidents while traveling domestically;
• Liability insurance (OC) in private life; Travel baggage insurance;
• Insurance for sports equipment;

International Travel:

Depending on the destination, you can choose:

• European Zone includes European countries along with countries in the Mediterranean Basin and the Canary Islands;
• Worldwide Zone – includes all countries in the world;
• Worldwide Zone excluding the United States (USA) – includes all countries in the world except the United States;

NOTE! The insurance does not apply in a country where you have been living for more than a year and in the territory: Poland, Belarus, the Russian Federation, Syria, Crimea, Donetsk and Luhansk regions (territory of Ukraine occupied by the Russian Federation), and also in Afghanistan, Myanmar (Burma), Iran, North Korea, Cuba, Libya, and Venezuela.

You can choose insurance:

• short-term – from one day to one year,
• annual with returns home – when one trip lasts a maximum of 60 days

What we insure:

• your life and health, as well as those you travel with (and for whom you will buy a policy);
• travel baggage;
• car – if it breaks down, we will provide you with Assistance;
• household goods, e.g., RTV equipment, computers – in case of theft or robbery;

With the "Generali Travel Insurance," among other things:

• you can establish high sums insured, e.g., costs of treatment abroad up to 2,000,000 PLN, OC – up to 1,000,000 PLN;
• if your chronic illness worsens abroad, Generali will cover the treatment costs – up to 100% of the insurance amount for medical expenses – already in the basic insurance scope;
• you have wide access to private medical facilities and doctors; Generali is responsible for damages you cause under the influence of alcohol;

General Insurance Terms

Bon Voyage is comprehensive insurance coverage that includes diseases and accidents that may occur during international trips:

• for tourism purposes;
• for work purposes;

What is covered by the insurance?

Basic Variant:

• medical expenses resulting from an accident or illness;
• expenses incurred during the international trip provided by InterRisk through the ASSISTANCE CENTER, immediate assistance regarding hospitalization or transport to Poland;

Extended Variant:

• rescue and search costs resulting from accidents;
• costs related to the delay of delivery and loss, damage or destruction of the insured's travel baggage that they took on the international trip;
• costs related to flight delays;
• the insured's civil liability for personal or property damage caused by them to a victim due to an unlawful act;

"Assistance My Trip"

The comprehensive care of "Assistance My Trip" includes a long list of services. They include:

• telephone consultation with a doctor and telephone assistance in completing formalities at a medical facility;
• providing information to the insured before going abroad;
• transport of the insured to Poland;
• transport of close family members to Poland in the event of the Insured's death;
• transport of remains to Poland; transport of children left unattended;
• accommodation and transport of one person designated by the insured, if they could not use the originally planned means of transport, providing necessary items;
• financial assistance in case of loss of cash;
• assistance in case of the need for early return;
• assistance in case of the need to extend the foreign trip;
• assistance in case of theft/loss of documents; assistance in case of flight delays;
• replacement during business trips;
• communication of urgent messages;
• continuation of the foreign trip in case of an improvement in health after an accident, search and rescue.

The SUPERTRAVEL insurance includes coverage available in 4 variants (Basic, Extended, Optimal, Maximum) to choose from, including:

• medical expenses and immediate assistance;
• consequences of accidents;
• traveler's baggage;
• delay in the delivery of travel baggage;
• flight delay;
• civil liability in private life;
• civil liability related to sports and sports equipment;
• risks related to winter sports "Winter Package";
• deductible for rented vehicles (except group and unnamed group insurance variants);
• medical costs on the territory of Poland;
• rehabilitation costs on the territory of Poland;
• hospital stay on the territory of Poland;

The insurance can be concluded in the form of:

• an individual name policy for any period not exceeding 12 months;
• an individual name policy for a period of 6 or 12 months – for all trips of the Insured during the duration of the insurance contract, regardless of their number, provided that each trip does not last longer than 90 days;
• group named (for at least 11 people);
• unnamed group (with at least 100 person-days);