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My Family

Interrisk

My Family from InterRisk - family accident and health insurance.

My Family from InterRisk is a comprehensive insurance that combines accidental death protection with elements of health insurance - designed specifically for families. In the basic coverage, it protects against the consequences of death as a result of NW and pays benefits for health damage. In the extended coverage, you can add death of spouse/partner and child, hospital stay, serious illness, surgery, medical care, assistance and medical expenses abroad (up to €10,000), among others. 2 variants, 24/7 worldwide coverage, individual or family, up to age 67.

👨‍👩‍👧‍👦 For the family

Protection for the insured, spouse/partner and children in one policy

🌍 24/7 worldwide

Round-the-clock worldwide coverage + travel medical treatment

💰 Up to PLN 100,000

SU for NW death, injury, death of spouse and child

✈️ EUR 10,000

Medical expenses and travel assistance abroad

My Family Insurance Coverage

My Family Insurance offers 11 types of benefits. Basic (mandatory) coverage includes NW death and personal injury. Other benefits are optional (extended coverage) - you choose only what you need. For an additional premium, you can cover the aftermath of a heart attack and stroke.

  • Death following NW: 100% SU (up to PLN 100,000). +50% additional at traffic accident. Myocardial infarction/stroke: 50% SU (for an additional charge).
  • NW Injury: Benefit proportional to % of damage (up to PLN 100,000). Proportional payment system according to the Table of Standards.
  • Death of spouse/partner NW: 100% SU (up to PLN 100,000). +50% in a traffic accident. Myocardial infarction/stroke: 50% SU. Option II: mandatory.
  • Death of a child NW: 100% SU (up to PLN 100,000). +50% in the event of a traffic accident. Option II: mandatory.
  • Short-term disability: 0.2% SU/day (up to PLN 20,000), from day 30, max 90 days.
  • NW hospital stay: Up to £200/day, from day 3 (subsequent stays from day 1), max 60 days. +50% for traffic accident (14 days).
  • Hospital stay illness: Up to £200/day, from day 5, max 60 days. Insured up to age 55.
  • Serious illnesses: Up to PLN 10,000 - 16 diseases (cancer, paralysis, coma, multiple sclerosis, transplantation, etc.). Two options: I (100% SU) and II (% SU according to the table).
  • NW Operations: Up to PLN 5,000 according to the table (from 5% to 100% SU). Operational Disease: Up to PLN 5,000 according to the table.
  • Travel medical expenses: Up to EUR 10,000 outside the Republic - hospital, surgery, outpatient, fees, transport of the patient/dead, stay of the family (EUR 1,000). One-time stay of up to 30 days.
  • Medical care: Up to PLN 5,000 - reimbursement of the costs of medical visits, examinations, treatments according to Table No. 2 (within the territory of Poland).
  • Medical Assistance: Up to £5,000 - doctor's visit (£500), nurse (7 visits/48h), medications, medical transportation, home care, child care.

2 insurance options - comparison

Type of insuranceVariant IVariant IIMax SU
NW death of the insuredobligatoryobligatoryPLN 100,000
NW health injuryobligatoryobligatoryPLN 100,000
Death of spouse/partner NWoptionalobligatoryPLN 100,000
Death of a child NWoptionalobligatoryPLN 100,000
Short-term inability to workoptionaloptionalPLN 20,000
NW hospital stayoptionaloptional200 zloty/day
Hospital stay illnessoptionaloptional200 zloty/day
Serious illnessesoptionaloptionalPLN 10,000
NW operationsoptionaloptionalPLN 5,000
Surgeries diseaseoptionaloptionalPLN 5,000
Travel medical expensesoptionaloptionalEUR 10,000
Medical careoptionaloptionalPLN 5,000
Medical assistanceoptionaloptionalPLN 5,000

Option II differs from Option I in that the death of a spouse/partner and child are included in the basic (mandatory) coverage. The exact premium will be determined by your policy advisor - call 325.325.325.

Featured perks My Family from InterRisk

• The whole family in one policy - Insured, spouse/partner and children with separate SUs
• Traffic accident +50% - Additional benefit for death and hospital in a traffic accident
• Treatment abroad - Up to EUR 10,000 for medical expenses, transport of the patient/dead, stay of the family
• 16 serious illnesses - Cancer, paralysis, coma, multiple sclerosis, transplantation
• Heart attack and stroke - possibility of coverage for an additional premium
• Modular design - you pay only for the benefits you need

Insurance premium

The premium for My Family depends on: selected variant (I or II), extended coverage (optional benefits), sums insured requested, age of insured persons and form (individual/family). Premium payable for a 12-month insurance period, with the possibility of installments. Call us at 325 325 325, to get a quote.

How to buy My Family insurance?

  • Contact a Polisarium advisor at. 325 325 325.
  • Select a variant (I or II) and optional benefits from the extended coverage.
  • Determine the sums insured for each type of benefit.
  • Enter the data of insured persons (individually or family, up to 67 years of age).
  • Familiarize yourself with the My Family T&C and the Table of Loss Standards.
  • Pay the premium - coverage begins on the date specified in the contract, 24/7 worldwide.

Key exclusions of liability

For a complete catalog, see §7 of the My Family T&C:

  • Committing or attempting to commit a crime by the insured.
  • Diseases and injuries diagnosed before the date of coverage.
  • Occupational disease, mental illness, chronic disease, birth defects.
  • Fighting, beating (except defending oneself), competitive sports, high-risk sports.
  • Warfare, acts of terror, epidemics, pandemics.
  • Being under the influence of alcohol, drugs or psychotropic substances.
  • Myocardial infarction and stroke (unless an additional premium has been paid for the extension).
  • Gender reassignment, plastic/cosmetic surgery, infertility treatment, AIDS.

Frequently asked questions about My Family insurance

For individuals up to the age of 67 - individually or family (min. 2 relatives). In family insurance, spouse/partner and children can be covered. Insurance for hospital stay due to illness - up to age 55.

W Variant I Only NW death and personal injury are mandatory. Other benefits (including death of spouse and child) are optional. W Variant II The death of a spouse/partner NW and death of a child NW are added to the basic coverage. The remaining benefits are just as optional.

Yes - accident insurance coverage (main benefits) operates 24/7 worldwide. In addition, you can purchase travel medical insurance (up to €10,000) covering hospital, surgery, transport of the sick/cadaver and family stay. One-time stay of up to 30 days. Some benefits (hospital, operations, medical care, assistance) operate only in Poland.

16 diseases: aplastic anemia, Creutzfeldt-Jakob disease, type I diabetes, kidney failure, heart failure, malignant neoplasm, burn, paralysis, poliomyelitis, multiple sclerosis, coma, major organ transplantation, loss of speech, loss of hearing, loss of vision, meningitis. Benefit up to PLN 10,000.

NW stay: daily benefit (up to PLN 200/day) from the 3rd day, max 60 days. Subsequent stays related to the same NW - from day 1. Traffic accident: +50% for 14 days. Stay due to illness: from the 5th day, max 60 days (insured up to age 55). Does not cover sanatorium, rehabilitation or nursing facilities.

Assistance (up to PLN 5,000) provides: a doctor's visit at home (PLN 500), a nurse's visit (7 visits/48h), delivery of medicines, medical transportation, home care after hospitalization, child care and rehabilitation equipment. It operates in Poland.

Yes - for an additional premium. At death due to heart attack/stroke: 50% SU (instead of 100% at NW). Death must occur within 1 year of the event. Also applies to death of spouse/partner and child.

Call a Polisarium advisor at 325 325 325 325. The advisor will help select the variant, coverage and sums insured. Contract for 12 months, single premium with possibility of installments. Cancellation within 30 days of conclusion.

Documents

Full terms and conditions: My Family T&C (PDF) (Resolution No. 05/06/07/2021, effective from 22/08/2021). Contact a Polisarium advisor at. 325 325 325.

Why choose My Family insurance from InterRisk?

My Family from InterRisk is one of the few insurances combining the entire family's accident and health (NNW) protection with elements of health and travel insurance in a single policy. The modular design allows you to pay only for the benefits you actually need - from basic accident insurance protection to a full package with medical care, surgery and treatment abroad.

Unique perks include spouse/partner and children coverage with separate sums insured, +50% for a traffic accident, 16 major illnesses and heart attack/stroke coverage options. Contact a Polisarium advisor at. 325 325 325, in order to select the optimal coverage.