Generali „Treatment abroad” - Access to the best hospitals in the world

„Treatment Abroad” is an add-on insurance to Generali's „For Life PLUS” policy, which provides access to world-class medical facilities in case of serious medical conditions. The benefit limit is as high as EUR 2,000,000 for cancer treatment, cardiac surgery, neurosurgery and organ transplants.

The insurer organizes and covers the costs of travel, hotel accommodation of 3-4★ (for the patient and an accompanying person), provides an interpreter and full coverage for hospital treatment - and reimburses the cost of medicines up to €50,000 upon return to Poland.

Coverage for medical expenses up to €2,000,000

By-pass, heart valve surgery

Brain and spinal cord surgery

Organ and bone marrow transplantation

Insurance coverage „Treatment abroad” from Generali

Insurance covers treatment of serious medical conditions in foreign medical facilities, divided into 4 modules. Each option covers all modules, and the benefit limit is €2,000,000 for the entire implementation period (36 months).

Module I - Oncology

Invasive malignant neoplasm (including leukemia, sarcoma, lymphoma)
Pre-invasive malignant neoplasm (carcinoma in situ)
Severe tumor dysplasia

Module II - Cardiac Surgery

Coronary artery bypass grafting (by-pass)
Heart valve repair or replacement surgery

Module III - Neurosurgery

Neurosurgery of the brain
Benign tumor of the spinal cord

Module IV - Transplantation

Organ transplant (heart, lung, liver, kidney, pancreas)
Bone marrow transplant

Benefits under each module

Second medical opinion (consultant doctor, translation of documentation)
Choice among 3 foreign medical facilities
Organization and payment of travel expenses (economy class)
Accommodation: hotel 3-4★ for patient and companion (EUR 100/day, max 60 days).
Full coverage of hospital treatment costs
Translator while abroad
Reimbursement of the cost of medicines upon return to Poland (up to EUR 50,000)
Follow-up after treatment
Transport of corpses in case of death abroad

Insurance options

Insurance is available at 4 variants. Each covers the full range of 4 modules with a limit of €2,000,000 and a completion period of 36 months.

Variant	Scope	Precision medicine	Children
Treatment abroad for the insured	4 modules	Not	Not
Treatment abroad for the insured and his children	4 modules	Not	Yes (up to age 21)
Treatment abroad with Precision Medicine for the insured	4 modules	Yes	Not
Treatment abroad with Precision Medicine for the insured and his children	4 modules	Yes	Yes (up to age 21)

Precision medicine

Options with Precision Medicine offer additional oncology benefits: molecular profiling Cancer, expert report with treatment recommendations, hereditary mutation tests, access to clinical trials and off-label therapies. A medical-expert team (oncology, genetics, pathology) develops a personalized treatment plan, including the possibility of a CAR-T therapy.

Premium and contract terms

The premium depends on the selected variant, the age of the insured and the scope of coverage. „Treatment abroad” is an additional contract concluded for 1 year with automatic renewal. Valid grace period 90 days - does not apply to serious medical conditions resulting from an accident.

Contact a Polisarium advisor at. 325 325 325, to get a customized premium calculation tailored to your needs.

Download the T&C „Treatment Abroad” (PDF) | Download Product Card (PDF)

How to buy insurance

Contact a Polisarium advisor - call: 325 325 325.
The advisor will verify that you have a Generali „With a view to life PLUS” policy. - This is a condition for attaching an additional contract.
Together you will choose the insurance option (with or without Precision Medicine, with or without child protection).
You will fill out the application - Generali will evaluate it and confirm the conclusion of the supplementary agreement.
Pay the premium - after a 90-day grace period, coverage includes full coverage of 4 modules. Policies: 325 325 325.

Disclaimers

The Insurer shall not be liable in the following cases (in accordance with the T&C):

War, warfare, terrorism, riots.
Natural disasters, nuclear contamination, epidemics officially declared.
Cognitive disorders, dementia, mental retardation.
Drug addiction or alcohol abuse.
Prophylactic management (preventive surgery without confirmed cancer cells).
Costs already financed by the National Health Service or another policy.
Grace period of 90 days - serious medical condition in the first 90 days (unless due to NW).

Frequently asked questions about „Treatment abroad”

What is „Treatment Abroad” insurance?

An add-on contract to Generali's „For Life PLUS” policy. Provides organization and coverage for treatment of serious medical conditions (cancer, cardiac surgery, neurosurgery, transplants) in the best hospitals in the world. The benefit limit is €2,000,000.

What diseases does the insurance cover?

Insurance covers 4 modules: oncology (malignant tumors, carcinoma in situ, severe dysplasia), cardiac surgery (by-pass, valves), neurosurgery (brain surgery, spinal tumors), transplantation (organs and bone marrow).

What does precision medicine include?

Molecular profiling of the tumor, expert report with personalized treatment recommendations, testing for inherited (genetic) mutations, access to clinical trials and off-label therapies. A team of oncologists, geneticists and pathologists develops a personalized treatment plan, including CAR-T therapy.

Does the insurance also cover children?

Yes - in the variants „for the insured and his children”, own and adopted children up to the age of 21 are covered. In the case of treatment of a child abroad, it is possible to designate two accompanying persons.

What is the treatment process like abroad?

After filing a claim, Generali prepares a second medical opinion, then proposes 3 foreign facilities to choose from. Once the hospital is selected, it arranges travel, accommodation (hotel 3-4★, €100/day) and the entire treatment process. Upon return, it covers the cost of medicines (up to EUR 50,000) and health checks.

What is the grace period?

90 days from the start of coverage. During this period, the insurer is only liable for serious medical conditions resulting from an accident. The grace period does not apply to automatic renewal of the contract for subsequent years.

How to make a claim?

By phone: 913.913.913 (Generali Call Center), in writing to the registered office address or online: szkodyzycie.generali.pl. Polisarium advisor (325 325 325) will help prepare the documentation.

Why choose „Treatment Abroad” from Generali?

Insurance „Treatment Abroad” means access to the best hospitals in the world with a limit of EUR 2,000,000. The four modules include oncology, cardiac surgery, neurosurgery and transplantation. In variants with Precision Medicine, you gain molecular profiling and a personalized treatment plan. Generali arranges travel, lodging and an interpreter, and covers medical expenses up to €50,000 upon return.

Call a Polisarium advisor: 325 325 325 - We will help you select an insurance variant tailored to your needs.

Treatment abroad