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Conservation Plan

Uniqa

UNIQA Protection Plan - individual life insurance.

The Protection Plan from UNIQA is life insurance with a flexible design that allows you to individually determine the scope of protection and the amount of benefits. The coverage extends to the life of the insured, and can be expanded with additional contracts to include serious illness, hospital stay, accidental death, medical surgery and protection for a spouse or partner.

From PLN 55/month.

Minimum monthly premium. Payment also quarterly, semiannually or annually.

18-70 years

Age of joining. Coverage continues until the insured's 75th birthday.

Care24

Medical assistance: specialists, rehabilitation, equipment up to PLN 6,000.

Flexibility

Individual coverage, change of sums, suspension of premium up to 6 months.

Insurance coverage UNIQA Protection Plan

The basic contract covers the death of the primary insured. You can extend the coverage with additional contracts - you decide which risks you want to cover yourself.

  • Death of the insured - basic agreement, payment of sum insured to beneficiaries
  • Death as a result of an accident - additional benefit for death caused by NW
  • Serious illnesses - Up to 55 diseases and treatments (cancer, myocardial infarction, stroke, transplant and others), grace period of 3 months.
  • Injury to health after NW - payment without waiting for treatment and rehabilitation to be completed
  • Orphaning a child - benefit for the child in the event of the insured's death
  • Hospital stay - Daily benefit from the 1st or 4th day of stay (max 365 days/policy year)
  • Medical operations - benefit for surgical procedures as defined in the T&Cs
  • Spouse/partner protection - the possibility of extending the policy to cover a loved one
Opieka24 and MediPomoc - medical support in the price of the policy

In the event of an accident or diagnosis of a serious illness, you gain access to private visits to specialists (orthopedist, cardiologist, surgeon, neurologist), outpatient procedures, diagnostic tests (ultrasound, X-ray, MRI, EKG, spirometry) and rehabilitation. Coverage of the cost of rehabilitation equipment - up to PLN 6,000.

Contribution and paperwork

FrequencyMin. contributionMin. after taking over the rights
Monthly55 zł45 zł
Quarterly165 zł135 zł
Six months300 zł245 zł
Annual550 zł450 zł

The premium depends on the sum insured, the scope of coverage and the age of the insured. Every year UNIQA offers indexation - valorization of sums insured, which protects the value of benefits from inflation. You can suspend premium payments for a maximum of 6 months (from the 2nd policy anniversary).

For detailed terms and conditions, see T&C Protection Plan (PDF). To find out the premium that fits your needs, contact a Polisarium advisor -. 325 325 325.

How to buy UNIQA Protection Plan insurance

  1. Consultation - You determine the needs, budget and people to be covered.
  2. Range selection - you set additional contracts (serious illness, hospital, accident, surgery) and sums insured.
  3. Premium calculation - Pricing based on coverage, totals and age of the insured.
  4. Submission of an application - You fill out a form with your data and a statement of health.
  5. Risk assessment - UNIQA may request medical records or examinations.
  6. Policy - You receive a document confirming the conclusion of the agreement.

Contact a Polisarium advisor at. 325 325 325 - We will help you compare the Protection Plan with other life insurance policies and select the optimal coverage.

Disclaimers

  • War, military action - events as a result of warfare and conflict
  • Terrorism, riots - knowingly and voluntarily participating in acts of violence
  • Suicide - within the first 2 years of coverage
  • Alcohol and narcotics - Alcohol concentration of 0.2‰ or more or non-recommended drugs/drugs
  • High-risk sports - Among others, air sports, climbing, diving >10 m, downhill
  • Driving without a license - lack of relevant qualifications
  • Grace period 3 months - For serious illnesses not caused by NW

For a full list of exemptions, see T&C Protection Plan (PDF), § 6 i § 23.

Frequently asked questions about UNIQA Protection Plan

This is individual life insurance with a flexible design. The basic contract covers the death of the insured, and additional contracts allow you to extend coverage to include serious illness, hospital stay, accidental death, medical surgery and spouse protection. You set the coverage and sums insured yourself.

The Protection Plan is a product with complete freedom of configuration - you choose each additional contract yourself. Packaged Protection Plan offers ready-made packages (variants) with predefined coverage. The Protection Plan gives you more flexibility, the Package Plan a simpler choice.

The minimum contribution is 55 zł per month (PLN 165 quarterly, PLN 300 semi-annually, PLN 550 annually). The final amount depends on the selected coverage, sums insured and age.

Yes. Extended coverage may include the life and health of the spouse or partner of the primary insured - within the same policy and total premium.

Yes, as of the 2nd policy anniversary, you can suspend premium payments for up to 6 months. Protection is limited during the suspension. Re-suspension possible 5 years after the last renewal.

The grace period is 3 months From the date of coverage. It does not apply to events caused by an accident - in this case, coverage is effective from the first day.

Indexation is the annual adjustment of sums insured to protect the value of benefits from inflation. UNIQA sends a proposal 30 days before the policy anniversary. You can accept it or refuse it (14 days before the anniversary).

Why choose a Protection Plan from UNIQA?

The Protection Plan is distinguished by its full flexibility - you decide for yourself the scope of protection, sums insured and frequency of premiums. You can also cover your spouse or partner. Opieka24 medical assistance, the ability to suspend the premium and annual indexation ensure that the policy adapts to your changing needs. Contact a Polisarium advisor -. 325 325 325 - to compare offers and select coverage.