In case of an accident
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In case of an accident

Warta

In case of an accident - money and real medical help

In the event of an accident, you will receive money - for hospital stays or surgeries performed, among other things - and benefit from medical services. You can use the funds to pay for private visits to doctors, diagnostic tests, rehabilitation or to cover ongoing household expenses. We will also help you verify your diagnosis with a second medical opinion and provide access to additional diagnostics.

Scope of protection

The insurance will work if a covered event occurs in the policy. It covers financial benefits and medical services, as well as organizational support and a second medical opinion. You can cover yourself, your spouse/partner and your child.

  • Financial benefits: For injury, non-injury, hospital stays and surgeries
  • Medical services (assistance): Consultation with a doctor, rehabilitation, medical transportation
  • Second medical opinion and access to additional diagnostics
  • Protection for you, spouse/partner and child
  • Quick payment of the benefit based on a simple application

💡 Worth knowing

We offer a wide list of events for which you can insure yourself and your loved ones. Choose the level of benefits tailored to your expectations - your advisor will help you select the right coverage.

Premium and costs

The amount of the premium is adequate to the insurance risk and depends on a number of factors, including the selected sum insured and the scope of benefits. You can adjust the coverage to your budget - your advisor will propose variants and help you compare benefits.

You can use the funds paid out from the policy for any purpose, such as quick private consultations, examinations, rehabilitation or current expenses. For additional support, take advantage of assistance medical services.

How to buy - a simple process

Purchase insurance remotely and conveniently. Leave your phone number and zip code to call With a consultant. Below are the stages:

  • Fill out a short form: phone number and zip code
  • Conversation with a consultant - selection of coverage and level of benefits
  • Offer acceptance and paperwork online - start protection from the date indicated
  • Access to documents (T&C and policy) and medical hotline

Exclusions and limitations

Remember: the full list of exclusions and limitations of liability is in the general terms and conditions of insurance (T&Cs). Examples of situations when benefits are not available or may be limited:

  • The policy only covers an accident - we will not pay a benefit for an illness
  • Participation in dangerous sports without adequate extension of protection
  • Incidents under the influence of alcohol, drugs or intentional acts
  • Gross negligence or violation of medical regulations and recommendations
  • Diseases and their consequences - if not covered by the contract or extension

Frequently asked questions

In the case of a hospital stay as a result of an accident, the benefit may be paid even for a stay that lasts 1 day (according to the provisions of the T&Cs of the respective variant).

The premium is appropriate to the insurance risk and depends on the sum insured, the scope of benefits, age and the extensions chosen, among other factors. The advisor will make suggestions and help fit the protection to your budget.

Accident protection is needed for everyone, especially those with active lifestyles. You can extend the insurance to your spouse/partner and child.

This is the time during which - if an event covered by the contract occurs - we will pay the benefit. For the exact start and end dates of coverage, please refer to the policy and the T&Cs.

Application is simple: contact us, submit an application and provide the required documents (e.g., treatment information sheet). Payment is made without undue delay - according to the T&Cs, usually up to 30 days after receipt of the complete set of documents.

Yes, you can benefit from, among other things, medical consultations, rehabilitation and medical transportation - according to the scope selected in the policy. The scope of assistance is selected by an advisor according to your needs.

Support after an accident - what you can count on

After an incident, quick recovery is a priority. The financial benefit will cover the cost of private visits, examinations or rehabilitation, and assistance will help organize transportation and home supplies. Statistics show that about 20% of benefit claims are for the aftermath of accidents, and one in two claims is for people under the age of 45 (source: Warta's own data, 2022-2023).

Also check out complementary solutions: In case of illness, NNW School, Online Clinic and Compensa Health.

Summary - protection for you and your loved ones

The „In Case of Accident” policy combines financial benefits with medical and organizational services. It's support that works when you need it most: from initial consultations, to rehabilitation, to covering the costs of daily chores.

Contact your advisor to match the level of benefits and coverage to your life situation. You can also cover your spouse/partner and child - one policy, comprehensive coverage.