UNIQA Protection Plan

Insurance company Uniqa

Advantages

The Protection Plan is a long-term life insurance policy that provides comprehensive coverage for you and your loved ones. You can choose the scope of the policy yourself based on your current needs. You can also extend the coverage to your spouse or domestic partner under a single policy and for a single combined premium.

Why is it worth it?

• You control the scope of coverage and the maximum benefit amount yourself by creating a policy based on the basic contract and the optional riders you select.
• You can expand your policy to include a selected number of riders, such as coverage for serious illness (cancer), hospitalization, surgery, or premium payment coverage in the event of disability.
• If you take advantage of supplementary coverage in the event of difficult situations (such as illness or an accident), you can take advantage of convenient supplementary benefit packages designed to ensure a faster recovery—thanks to them, you can, for example, start rehabilitation sooner, see medical specialists, or consult a psychologist.
• With your children's future in mind, you can provide them with an annuity in the event of your death (for example, through a contract that provides for a child who is orphaned as a result of an accident or for other reasons).
• You can purchase the policy on your own and then extend its coverage to your spouse or domestic partner—regardless of your family situation, you’ll continue to be covered under a single policy.
• You, your spouse/partner, and your children all have access to the Opieka24 assistance package, which is designed to help you recover more quickly or regain better physical fitness — in complex situations, you can take advantage of benefits worth up to 6,000 PLN.

Scope of Coverage

The main purpose of the supplemental policy is to expand the coverage of the basic policy in a way that best suits your needs. By choosing the Protection Plan, you can ensure that you’re covered in the event of:

• death (including term life insurance),
• death resulting from an accident,
• death resulting from a traffic accident,
• injury or bodily harm resulting from an accident,
• a child becoming an orphan as a result of an accident or for another reason,
• a serious illness (e.g., cancer, stroke, heart attack),
• hospital stay,
• medical procedure,
• inability to work, with a guarantee that contributions will continue to be paid.

In addition, thanks to MediPomoc insurance, which covers injuries resulting from accidents, you have access to useful medical services that will help you recover more quickly. MediPomoc provides, among other things:

• consultations with medical specialists (e.g., orthopedist, cardiologist, surgeon),
• rehabilitation,
• assistance in accessing rehabilitation equipment,
• Access to diagnostic tests: ultrasound, X-rays, and lab tests.

In turn, the supplementary agreement for obtaining a Second Medical Opinion provides you with a review of your diagnosis by a medical expert and assistance in planning or organizing the recommended treatment.