PERSONAL INSURANCE
Insurance of treatment costs
It guarantees your reimbursement: direct medical assistance, including transport costs to an outpatient clinic or hospital, further outpatient or inpatient treatment (but only up to the point, when the patient's condition allows him to be transported to Poland), research, treatments, operation, medicines and dressings, the victim's return journey, travel, maintenance and accommodation of a person accompanying the patient on their way to the country, and possibly other services, depending on the contract.
The price of the policy depends on the duration of the policy, usually divided into a month and more than a month, and the guarantee amount, up to which insurance companies shall reimburse the costs of treatment incurred by the insured person caused by a sudden illness or accident. Europe-wide insurance premiums are currently on average: when staying up to 30 days from 0,60 do 0,90 $ for each day depending on the amount of the guarantee (between 10 thousand. a 30 thousand. $); above 30 days, the premium is lower and amounts to approx. 0,45-0,70 $ for day.
Before making a final decision, it is good to carefully read the content of the policy and the proposed conditions. Insurance companies, as a rule, apply discounts for children and adolescents, while the price of the policy increases for the elderly, most often above 60. the 70. year of life. For an additional fee, you can insure yourself against the costs of dental treatment, and treatment costs related to accidents in competitive sports, mountaineering and speleology.
Please note, that in the event of even a small medical aid, purchase medications or dressings, try to obtain medical records and carefully collect all bills and proofs of expenses incurred. After returning to the country, it should be in 7 days to report to your branch of the insurance company and present all bills and documents. After making the settlement, the insured receives a reimbursement of the costs incurred up to the amount of the guaranteed sum.
Accident insurance
A sudden event caused by an external cause is considered an accident covered by insurance, as a consequence of which the insured person, regardless of your will, she suffered permanent bodily injury, suffered health or died.
The amount of the benefit depends on the degree of permanent health impairment, customarily determined by doctors appointed by a given insurance company. In the event of the death of the insured person, the benefit is transferred to the authorized person, appointed by name, or on family members.
Luggage insurance
Items intended for personal use can also be insured for the time of departure. The insurance cover covers travel luggage, which is under the direct care of the insured person or in a room intended for the duration of transport for storing luggage. The payment of compensation may be obtained for luggage lost as a result of an accident or a disaster of means of transport or random events, such as fire, heavy rain, earthquake. In the event of theft, most insurance companies will only pay out a part of the guarantee amount.
Assistance insurance
In the case of assistance insurance, the insurance company extends the scope of insurance coverage for an additional fee, which may then include e.g.. legal and financial assistance, transport costs for accompanying family members, caring for minor children, early return of the insured to the country, etc..
CAR INSURANCE
green card
It is a compulsory international liability insurance for damages caused by a driver outside the country. Traveling abroad by car without this document is illegal and in practice almost impossible, because the customs authorities control its possession as well as the passport.
Self-helmet
Auto-casco insurance (AC) protects the car owner from incurring expenses related to damage or theft of the car. Some societies make distinctions – damage insurance (AC) and insurance against the risk of theft, fire and explosion (KR). The price of the insurance depends on the value of the car and the insurance period. Having previously purchased civil liability in one company, you can count on discounts when buying AC.
In the event of a loss occurring abroad, insurance companies require, that the main repair of the vehicle is carried out after returning to the country. The AC insurance covers repair costs abroad only to the extent necessary to continue safe driving and only up to a strictly defined amount. If costs exceed established limits, contact the foreign representative of the insurance company, who will agree the scope of repairs and the amount of payment with specialist road services or a workshop. The addresses of foreign representatives are included in the manual for the AC policy. The AC insurance cannot be used, if the car has failed as a result of its use.
Assistance
This type of policy extends the scope of car insurance, which may include, for example, the organization and coverage of the costs of towing the vehicle to the nearest parking lot or workshop, return to Poland of the driver and passengers (when the repair of the vehicle is not possible), and even the cost of medical assistance for injured people and their transport.
Procedure in the event of a car accident
On the occasion of car insurance (green card) While still in the country, it is worth asking for an accident form (European Accident Statement), which can greatly simplify matters, when the worst happens. Remember! Do not sign any statements abroad, which you cannot read or understand – insist on translation, and sign after consciously accepting its content.
Immediately after the incident, medical assistance should be provided to the injured and the police should be called. At the same time, it is important to ensure the safety of traffic at the scene of the accident for other vehicles. You should also notify the foreign representative of your insurance company about the accident immediately. Vehicles may not be repositioned until the police arrive, between which there was an accident. Police officers should draw up an accident report, which each side receives. If there is no police on site, it is necessary to obtain data on the driver of another vehicle, as well as brands, registration number, policy number and the name of his insurance company (the relevant fields are included in the accident form). These data are the basis for claiming compensation under the perpetrator's policy.