TUZ „Safe Employee” group accident insurance for companies

„Safe Employee” is an employee group accident insurance offered by TUZ Mutual Insurance Company. The product is aimed at employers who want to provide their employees with additional financial security in case of an unfortunate event. The coverage operates around the clock, in Poland and abroad, and the scope can be flexibly adjusted by choosing one of three packages.

24-hour security

The insurance protects employees 24 hours a day, both on and off the job - in Poland and abroad.

3 packages to choose from

The employer chooses the Basic, Standard or Full package, tailoring the coverage to the team's needs.

Protecting the family

The Standard and Full Package also covers the spouse, children and parents of the insured employee.

Individual follow-up

When an employee leaves the company, he or she can individually continue group insurance under the existing terms and conditions.

„Safe Employee” accident insurance coverage from TUZ.

The insurance covers the consequences of accidents resulting in permanent injury, health disorder or death. Depending on the package selected, the employee's family members are also covered.

Benefits for the insured

Death due to NW: Benefit for eligible persons in the amount of PLN 40,000 in the event of death of the insured as a result of an accident.
Death in a traffic accident: An increased benefit of PLN 60,000 for death resulting from NW in traffic.
Permanent impairment: Proportionate benefit - the product of 1% of the sum (PLN 20,000) and each percentage of the damage found.
Medical costs after NW: A lump sum of PLN 3,000 to cover medical expenses for injuries resulting from the accident.
Serious Illness: benefit of PLN 3,000 if diagnosed with one of 17 diseases (heart attack, stroke, cancer, Parkinson's and others).
Funeral costs: A lump sum benefit of PLN 20,000 to cover the funeral expenses of the insured.
Medical costs (KP 2021): Coverage for medical treatment, surgeries, plastic surgery, orthopedic items and job retraining.
Hospital stay: Daily benefit for hospitalization due to NW (PLN 120/day), serious illness (PLN 60/day) or Covid.
Temporary disability: benefit for short-term incapacity for work or study.
Permanent disability: An additional benefit in the event that permanent professional incapacity is established.

Family benefits (Standard and Full package)

Death of a child due to NW: benefit of PLN 8,000 (traffic: PLN 10,000).
Funeral expenses for the child / spouse: PLN 5,000 for a child, PLN 5,000 for a spouse.
Funeral expenses of a parent / father-in-law: a lump sum benefit of PLN 1,600.
Childbirth: A benefit of PLN 800 for the birth of the insured's child.
Orphaning a child: A benefit of PLN 10,000 for each orphaned child in the event of the insured's death due to NW.
Treatment of the child after NW: lump-sum medical expenses of the insured's child - PLN 800.

Packages and benefit amounts

TUZ TUW offers three protection packages, which differ in the scope of benefits. The amounts quoted are reference values from the T&Cs - sums insured can be determined individually with the insurer.

No.	Benefit	Amount	Package
01	Funeral expenses of the insured	PLN 20,000	Basic
02	Death due to NW	PLN 40,000	Basic
03	NW communication deaths	PLN 60,000	Basic
04	Permanent damage to health	PLN 20,000	Basic
05	Medical costs after NW	PLN 3,000	Basic
06	Medical expenses - serious illness	PLN 3,000	Basic
07	Funeral costs for the child	PLN 5,000	Standard
08	Death of a child due to NW	PLN 8,000	Standard
09	Death of a child NW communication	PLN 10,000	Standard
10	Funeral expenses of a spouse	PLN 5,000	Standard
11	Funeral expenses of a parent / father-in-law	PLN 1,600	Standard
12	Childbirth	800 zloty	Standard
13	Treatment of the child after NW	800 zloty	Standard
14	Orphaning a child	PLN 10,000	Standard
15	Hospital - serious illness	60 PLN/day*	Full
16	Hospital - NW	120 PLN/day*	Full
17	Spouse's hospital - serious illness	30 zł/day*	Full
18	Spouse's hospital - NW	80 PLN/day*	Full
19	Children's hospital - serious illness	40 PLN/day*	Full
20	Children's hospital - NW	100 PLN/day*	Full

* Day benefit - from 3rd day of stay, max. 30 days, min. 5 days of hospitalization

17 covered serious illnesses

„Safe Employee” covers up to 17 serious illnesses, including heart attack, stroke, cancer, kidney failure, Parkinson's disease, Alzheimer's disease, coma, paralysis, loss of sight and speech, severe burns, aplastic anemia and HIV infection (as a result of transfusion or occupation). The benefit is paid after a 60-day grace period.

Insurance premium

The amount of the premium is determined individually based on the selected package, sums insured, the size of the group and the nature of professional work. TUZ TUW uses a system of discounts that takes into account, among other things, the size of the group and the course of insurance in previous periods. The premium is payable in a single payment or in monthly installments (by the 5th of each month). To find out the exact price of insurance for your company, contact a Polisarium advisor at the following number 325 325 325.

How to enter into an insurance contract?

1 Contact your advisor: call 325 325 325 Or fill out the contact form on the Polisarium website.
2 Needs Analysis: advisor will help you select the right package and insurance amounts for your company's specific needs.
3 Submission: Prepare a list of employees (at least 5 people) divided into office and physical.
4 Contract conclusion: TUZ TUW issues a policy for 12 months with automatic renewal.
5. employee declarations: Each employee signs a declaration of consent to join the group insurance.

Key exclusions of liability

Below are selected exclusions from the T&Cs. A full catalog of exclusions and limitations of liability is available in the General Terms and Conditions of Insurance „Safe Employee”.

Events resulting from intentional acts of the insured or persons in a joint household.
Suicide, self-harm or knowingly causing bodily harm.
Consequences of acts of war, state of emergency, riot, acts of terrorism or sabotage.
Being under the influence of alcohol, drugs or intoxicants (unless it did not affect the damage).
Engaging in high-risk sports (mountaineering, paragliding, scuba diving, skydiving, etc.) or competitive sports.
Driving without the required authorization or traveling in an unlicensed aircraft.
Occupational diseases, birth defects, mental illnesses, neuroses, depressive states, sexually transmitted diseases.
Plastic or cosmetic surgery (unless directly related to NW) and procedures outside the control of physicians.

Frequently asked questions about „Safe Worker” insurance”

Who is the „Safe Worker” insurance for?

The insurance is aimed at employers - sole proprietors, legal entities and organizational units. Any employer who enrolls at least 5 employees between the ages of 18 and 60 can take advantage of the insurance.

What are the differences between the Basic, Standard and Full packages?

The Basic Package (clauses 1-6) includes benefits for the insured: funeral expenses, NW death, permanent impairment and medical expenses. The Standard Package (clauses 1-14) extends coverage to include family benefits: funeral expenses for a child/spouse/parent, birth of a child, orphan. The Full Package (clauses 1-20) adds hospital benefits for each day of hospitalization (NW and serious illness) for the insured, spouse and child.

How long does the insurance contract last?

The contract is concluded for a period of 12 months and renews automatically for another year, unless either party gives notice 30 days before the end of the insurance period.

Can an employee continue insurance after leaving the company?

Yes. Upon termination of employment, an employee may individually continue group insurance by submitting an application to TUZ TUW within 3 months of the last month of premium paid. In the case of individual continuation, the annual premium is payable once.

What are the grace periods?

The grace periods are: 3 months for the insured's funeral expenses (clause 01), 60 days for serious illness (clause 06) and hospital expenses (clauses 15-20), 30 days for child funeral expenses (clause 07), 8 months for child birth benefit (clause 12). The grace period does not apply to events following an accident.

Does insurance work abroad?

Yes. According to the Product Charter, TUZ TUW provides coverage for events occurring in the Republic of Poland and abroad, subject to the general exclusions of liability set forth in the T&C.

How do I report a claim under „Safe Employee” insurance?

The claim should be reported through the employer, in writing to TUZ TUW's headquarters address, or by telephone to the TUZ hotline. You should prepare the policy number, a description of the circumstances of the incident, medical documentation and any police reports. The benefit is paid within 30 days of reporting the claim.

Why choose „Safe Worker” from TUZ?

„Safe Employee” from TUZ Mutual Insurance Company is a proven way to protect your team from the financial consequences of unfortunate accidents. Three packages allow you to flexibly adjust the scope of protection - from basic benefits for permanent injury and death, to protection for the employee's family, to hospital benefits for the whole family. Round-the-clock protection in Poland and abroad, 17 major illnesses, the possibility of individual continuation, and a premium tailored to the size and specific characteristics of the company make it an attractive solution for employers concerned about employee safety. For an offer tailored to your company, contact a Polisarium advisor at 325 325 325.

Safe Worker