ERGO 4 - individual life and health insurance from ERGO Hestia

ERGO 4 is a modular life insurance offered by Sopot-based life insurance company ERGO Hestia S.A. You decide for yourself what you want to protect - your life, your health, your ability to work, as well as the health of your children. You can choose 10 insurance for adults i 6 for children, which you combine according to your needs.

In Variant III, coverage extends as far as 50 serious illnesses with multiple payouts, assistance services and treatment abroad by Global Doctors. Premiums start as low as 12 zł per month.

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Modular protection

You choose your own coverage: life, NW, illness, hospital, surgery, children

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From £12/month.

Flexible premiums to fit your budget and needs

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Up to 50 diseases

Serious illnesses with multiple payments in 5 groups

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Children from 3 months.

Child health care: NW, disease, hospital, surgery, Global Doctors

ERGO 4 insurance coverage - what can you protect?

Insurance for adults

Choose one or more insurances and determine the sums insured yourself. It is mandatory to include Life Insurance - you select the other modules according to your needs.

Life insurance (Vari. II/III) - 100% SU in case of death, protection until age 100, min. period of 6 years
NW Life Insurance (var. I/III) - 100% SU at death due to accident, up to 70 years of age
Serious illness (Var. I/II/III) - from 4 to 50 diseases, payment of 10-100% SU, multiple benefits
NW injury (Var. I/III) - % SU for fracture, dislocation, scarring, loss of limb; limit 200% SU
NW health injury - % SU according to the table of damages + assistance services; limit 200% SU
Inability to work NW - 100% SU on total disability from accident, up to 65 years of age
Inability to work / loss of independence - Incapacity pension (NW or illness), up to 65/85 years of age
Surgical operations - % SU per surgery or postoperative complication; limit 600% SU
Inpatient treatment - % SU for each day of hospital stay; limit 600% SU
Global Doctors - Organization and financing of treatment of serious diseases abroad, up to 85 years of age

Insurance for children (from the age of 3 months)

Serious illness of a child (var. II/III) - up to 20 illnesses, multiple payments in 6 groups
Injury to child NW - fractures, dislocations; limit 200% SU
Injury to child NW - according to table of injuries + assistance
Surgical operations on a child - % SU; limit 600% SU
Hospital treatment of a child - % SU per stay; limit 600% SU.
Global Doctors - treatment abroad for a child, up to 25 years old

Insurance options Serious illness

The higher the variant, the more diseases covered and additional services. In variant III, you are protected against as many as 50 serious illnesses.

Feature	Variant I	Variant II	Variant III
Protection period	3 years (+ extension)	6 years (+ extension)	6 years (+ extension)
Max age	70 years	70 years	70 years
Benefit 10% SU	Cancer in situ, T1 prostate cancer, T1 thyroid cancer	Likewise	Likewise
Benefit 100% SU	Malignant neoplasm (1 disease)	12 diseases (+ heart attack, stroke, multiple sclerosis, paralysis, burns, kidney failure...).	50 diseases (see T&C for full list)
Multiple payments	Not	Yes - 5 groups	Yes - 5 groups
Assistance services	Not	Not	Yes

Examples of diseases in variant III: Malignant neoplasm, heart attack, stroke, multiple sclerosis, paralysis, type I diabetes, Parkinson's disease, coma, sepsis, burns, cardiomyopathy, neuroborreliosis, Crohn's disease, organ transplantation, benign brain tumor, aplastic anemia and many others.

Periods of protection and age limits

Insurance	Min. period	Max age
Life insurance (var. II/III)	6 years	100 years
NW Life Insurance	3 or 6 years	70 years
Injury NW / Injury NW	3 or 6 years	70 years
Serious illness	3 or 6 years	70 years
Inability to work NW	6 years	65 years
Incapacity / loss of independence	6 years	65 / 85 years
Surgical operations / Hospital treatment	6 years	70 years
Global Doctors	1 year	85 years (adults) / 25 years (children)
Children's insurance	3-6 years	25 years

Multiple benefit payments

In variants II and III, serious illnesses are divided into 5 groups. You can receive the full benefit of each group independently - for example, if you first get cancer (group 1) and then a heart attack occurs (group 2), you will receive payment for both events. Malignant tumors are further divided into 3 categories (A, B, C), which allows multiple payouts even within the same group.

Example premiums

Profile	Insurance	Sum insured.	Contribution/month.
Male, 30 years old	Life NW, Variant I	PLN 150,000	33 zł
Female, 23 years old	NW personal injury, variant I	PLN 100,000	12 zł
Child, 7 years old	Child Health, Variant II	PLN 200,000	35 zł

The amount of the premium depends on age, selected coverage and sums insured. Payment possible monthly, quarterly, semiannually or annually. Sums insured can be increased through indexation. To find out the exact premium, contact your Polisarium advisor: 325 325 325. Details in OVU ERGO 4 (C-E4-01/26).

How to buy ERGO 4 insurance?

1. Call a Polisarium advisor - tel. 325 325 325
2. Together determine the scope of protection, variants and sums insured
3. If necessary, fill out a medical questionnaire or get tested
4. Accept the offer - the whole process possible remotely, without leaving home
5. Pay your premium and manage your policy through the ERGO Hestia customer portal

Disclaimers

The insurer does not pay the benefit in the case of, among other things:

Active participation in acts of violence or terrorism
Attempted suicide or intentional injury to one's own body
Committing or attempting to commit a crime through willful misconduct
Operating under the influence of alcohol, drugs or narcotics
Damage to the pancreas or liver from alcohol consumption
Driving without a license
Extreme sports and high-risk recreation
Flying on an unlicensed airline plane
Non-compliance with medical recommendations
Nuclear, chemical, biological disasters, warfare
AIDS disease / HIV infection (outside of insurance Serious illness)
Mental disorders (except for advanced dementia in var. III)

Frequently asked questions about ERGO 4

What is ERGO 4?

ERGO 4 is individual life and health insurance from Sopot-based life insurance company ERGO Hestia. The product is modular - you choose for yourself which risks you want to protect: life, accidents, serious illnesses, hospitalization, surgery, inability to work. You can also insure the health of your children.

How much does ERGO 4 insurance cost?

The premium depends on the selected coverage, sums insured and age. For example: life NW coverage for 150,000 PLN for a 30-year-old is about 33 PLN/month, and bodily injury insurance for 100,000 PLN for a 23-year-old is 12 PLN/month. Premiums can be paid monthly, quarterly, semi-annually or annually.

What are the differences between variants I, II and III?

The variants differ mainly in the scope of diseases and the period of protection. Variant I covers 4 diseases (mainly cancer) for 3 years. Variant II - 15 diseases for 6 years with multiple payouts. Variant III - as many as 50 diseases for 6 years, with multiple payouts and assistance services (medical transportation, rehabilitation, nursing care).

Can I insure my child?

Yes. Children can be covered from the age of 3 months to 25 years. There are 6 insurances available: serious illness (up to 20 diseases), bodily injury NW, bodily injury NW, surgical operations, hospital treatment and Global Doctors (treatment abroad).

What do multiple payments mean?

Serious illnesses are divided into 5 groups. If you get sick from different groups, you will receive the full benefit for each group - independently. Malignant tumors are further divided into 3 categories (A, B, C according to the ICD-10 classification), which allows multiple payments even within a cancer group.

What is Global Doctors?

Global Doctors is a module that arranges and finances treatment for serious medical conditions abroad - cancer, heart disease, neurosurgery and transplants. Includes a second medical opinion, arranging treatment at an overseas clinic, travel and accommodation costs. Available for adults (up to 85 years) and children (up to 25 years).

What is the MyHealth program?

MyHealth is a preventive program available with a minimum 6-year contract and premiums starting at PLN 2,000/year. It includes a genetic testing package with a market value of more than PLN 1,000 that helps detect predispositions to diseases early.

Can I cancel my insurance?

Yes, you can terminate the contract at any time. You can withdraw from the contract within 30 days of its conclusion. You can also extend coverage with new modules at any time. You manage your policy - including changing beneficiaries and data - through the customer portal.

Why choose ERGO 4 insurance?

ERGO 4 gives you full control over the scope of coverage - you decide what you pay for. The modular design allows you to protect your life, health and ability to work in one policy, with the ability to expand coverage at any time. Variant III with 50 diseases, multiple payouts and assistance is one of the broadest solutions on the market.

Additional perks: protection for children from the age of 3 months, treatment abroad by Global Doctors, MyHealth preventive program with genetic testing, and indexation of sums insured. Premiums as low as PLN 12/month. To select the optimal coverage, call a Polisarium advisor: 325 325 325.

ERGO Life and Health Insurance 4