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Packaged Protection Plan

Uniqa

UNIQA Packaged Protection Plan - flexible life insurance.

The Packaged Protection Plan is individual life insurance from UNIQA that allows you to cover yourself, your child, your spouse, and even your parents and in-laws - under one policy. Thanks to its modular design, you choose the variant and sums insured yourself, matching the coverage and premium to your needs.

5 variants

For yourself, your child, yourself and your child, your family or an accident variant.

55 diseases

The list of serious illnesses includes as many as 55 diseases and treatments.

Care24

Specialists, tests, rehabilitation and medical equipment up to PLN 6,000.

Withdrawal in 6 min

Fastest benefit payment in a record 6 minutes from notification.

Insurance coverage UNIQA Package Protection Plan

The basic contract covers the death of the insured. In addition, you can extend coverage with additional contracts - depending on the option you choose.

  • Death of the insured - payment of benefit to beneficiaries (exempt from income tax)
  • Death as a result of NW - additional benefit in case of death due to accidental injury
  • Death in a traffic accident - increased benefit for a road, rail or air accident
  • Death following a heart attack or stroke - protection for sudden cardiac events
  • Orphaning a child - benefit for a child under 25 years of age
  • Injury to health after NW - payment without waiting for the end of treatment, according to the table of impairment
  • Inability to work after NW - benefit in case of inability to work due to an accident
  • Hospital stay - Daily benefit from the 1st or 4th day (NW: from the 1st day, illness: from the 1st or 4th day)
  • 55 serious illnesses - including cancer, heart attack, stroke, transplant, multiple sclerosis, coma
  • Medical operation - benefit for surgical procedures as defined in the T&Cs

Protection may also be extended to spouse (NW, hospital, death), children under 25 years of age (hospital, NW) and parents and in-laws (death) - under a single policy.

Insurance options

The Package Protection Plan is available in five categories of options. Each category specifies who is covered and the scope of benefits:

Variant categoryWhom it coversMain scope
For meInsuredDeath, NW, illness, hospital, surgery
For the childChild under 25.NW, hospital, serious illness of a child
For me and the babyInsured + childFull coverage for both people
For me and the familyInsured + spouse + children + parentsBroadest coverage, protection for the whole family
AccidentalInsuredNNW protection: injury, incapacity, death NW

Within each category, there are several variants with different sums insured. You can modify them individually to match the premium to your possibilities.

Opieka24 - medical assistance in the price of the policy

After an unfortunate accident or diagnosis of a serious illness, you will receive access to private visits to specialists, outpatient procedures, imaging tests (MRI, ultrasound, CT scan), laboratory tests and rehabilitation. Coverage for rental or purchase of rehabilitation equipment - up to PLN 6,000. After 10+ days in the hospital - 12-month access to outpatient services to PLN 3,000.

Contribution and paperwork

The amount of the premium depends on the selected variant, the sums insured and the age of the insured. The premium can be paid Monthly, quarterly, semi-annually or annually. The contract is for a period of one year and automatically renewed unless either party cancels (at least 30 days before the policy anniversary).

Insurance can be taken out by a person of age 18-65 years. The conclusion of the contract is based on an application - also possible remotely, with confirmation of identity through myID service.

For detailed terms and conditions, see T&C of the Package Protection Plan (PDF). To find out the premium that fits your needs, contact a Polisarium advisor -. 325 325 325.

How to buy insurance UNIQA Package Protection Plan

  1. Consultation with a consultant - You determine the needs, budget and people to be covered.
  2. Choice of variant - You compare categories (for me, child, family, accident) and insurance amounts.
  3. Premium calculation - Pricing based on the variant, totals and age of the insured.
  4. Submission of an application - You fill out a form with data and answers to health questions.
  5. Verification - UNIQA assesses the risk and decides on the contract.
  6. Policy - you receive a document confirming the conclusion of the contract and the start of protection.

Contract conclusion possible remotely (myID) or at the agent. Contact a Polisarium advisor at. 325 325 325 - We will help you compare variants and select the optimal coverage.

Disclaimers

  • Suicide - within the first 2 years of the contract
  • Activities under the influence of alcohol, drugs - or other drugs
  • Participation in acts of violence, fights - unless you acted in necessary defense
  • Driving without a license - lack of appropriate qualifications to drive
  • Grace period 3 months - For serious illnesses not caused by NW
  • Diseases from 3 years ago - if diagnostics were carried out for the disease in question before the date of protection

For a full list of exclusions and limitations, see T&C of the Package Protection Plan (PDF), paras 76-85.

Frequently asked questions about UNIQA's Package Protection Plan

This is individual life insurance with a modular design. It allows you to cover yourself, your child, your spouse, and even your parents and in-laws - all under one policy. Coverage includes death, accidental death, 55 serious illnesses, hospitalization and medical operations.

UNIQA offers 5 categories of variants: for me (insured's coverage), for the child (up to age 25), for me and the baby, for me and the family (broadest scope - spouse, children, parents, in-laws) and accidental (NNW only). Insurance amounts can be modified in each category.

The list includes as many as 55 diseases and treatments, grouped into 3 directories (A, B, C) and 9 groups. It covers malignant neoplasm, heart attack, stroke, organ transplant, coma, paresis, muscular dystrophy or motor neuron disease, among others. After diagnosis, you can receive up to 100% of the sum insured.

Care24 is medical assistance available after an NW or diagnosis of a serious illness. It covers visits to specialists, outpatient treatments, tests (MRI, ultrasound, CT scan, lab tests), rehabilitation, and rental of medical equipment for PLN 6,000. After 10+ days of hospital - access to outpatient services to PLN 3,000 for 12 months.

UNIQA handles about 430,000 requests per year. 25% are handled automatically by AI. 89% of simple cases (birth of a child, death of a parent) are resolved on the same day. The record payout time is just 6 minutes From the moment of notification.

Yes, in the variant for me and the family The insured's parents and the parents of the spouse are also covered. In the event of their death, you will receive a financial benefit. All within a single premium.

The grace period for serious illnesses is 3 months From the date of commencement of coverage. It does not apply to events caused by an accident - in this case, the protection is effective from the first day.

Why choose a Package Protection Plan from UNIQA?

The Packaged Protection plan is distinguished by its flexibility - one policy can cover the entire family, including parents and in-laws. A list of 55 major illnesses, Opieka24 medical assistance and fast claims settlement (record 6 minutes) make this one of the most comprehensive life insurance policies on the Polish market. To find out the premium and select a variant, contact a Polisarium advisor -. 325 325 325.