Compensa NNW

Compensa NNW - personal accident insurance

Personal accident insurance from Compensa protects you from the financial consequences of accidents. You can tailor the scope of protection to your needs thanks to numerous additional clauses - from medical assistance to hospital benefits to Onkopensa oncology protection.

Compensa NNW insurance coverage

Personal accident insurance from Compensa is available in basic and additional variants. In addition, you can extend coverage with numerous clauses - from medical assistance to baggage insurance.

Basic variant

Permanent impairment: A benefit commensurate with the degree of damage suffered as a result of the accident.
Serious injuries: A one-time benefit in the event of suffering a serious personal injury.
Death due to NW: Beneficiary benefit in the event of death of the insured due to an accident.

Additional option

Consequences of heart attack and stroke: Extension of coverage for permanent impairment resulting from a heart attack or stroke.
Professional sports practice: Protection in case of events during professional sports.
Extreme sports: Extension of coverage to include accidents in extreme sports.

Extensions of NNW coverage

Compensa NNW insurance coverage can be expanded with additional clauses tailored to individual needs:

Medical Assistance: Medical hotline, doctor's visit, delivery of medicines, medical transportation.
Reimbursement of medical expenses: Coverage of medical expenses incurred as a result of an accident.
Daily hospital benefit: benefit for each day of hospitalization resulting from NW.
Reimbursement of rehabilitation costs: Financing rehabilitation after an unfortunate accident.
Special Measures: reimbursement of the cost of repair, rental or purchase of orthopedic and auxiliary equipment.
Vocational retraining: The cost of retraining a disabled person injured in an NW.
Plastic surgery: Covering the cost of plastic surgery resulting from NW.
Daily Allowance: benefit for short-term incapacity for work or study.
Serious Illness: Benefit payment in case of illness from one of the diseases listed in the T&Cs.
Housing Adjustment: reimbursement of the cost of adapting the apartment of a disabled person after NW.
Baggage Insurance: Protecting luggage from theft and damage while traveling.
Liability in private life: Civil liability for damage to third parties.
Liability of educators and caregivers: Civil liability of educators, supervisors and instructors.
Crusade/Funeral: reimbursement of layette costs for the birth of a child or funeral expenses of a family member.
Special conditions for firefighters: Special insurance conditions for TSO firefighters and youth fire teams.

Main advantages of Compensa NNW

- Insurance coverage created according to customer needs and preferences
- Insurance coverage in Poland and abroad
- Benefit paid as additional financial support for the recovery period
- 15 additional clauses - from assistance to liability in private life
- Possibility to extend Onkopens oncology protection
- Special insurance conditions for TSO and MDP firefighters

Onkopensa - protection against cancer

Onkopensa - individual insurance

Coverage for malignant cancer in the invasive stage, dedicated exclusively to customers who purchase individual NNW coverage from Compensa.

Sums insured: PLN 50,000, PLN 100,000 or PLN 150,000.
Age of coverage: 18-60 years
Continued protection: Up to 65 years of age
Period of insurance: One year with automatic renewal

The joining process is quick and easy - just answer one short question. We do not require you to fill out health questionnaires or additional tests.

Premium - how much does Compensa NNW cost?

The NNW insurance premium from Compensa depends on the selected variant of protection, the sum insured, the number of selected additional clauses and the individual risk assessment. The premium is adequate to the scope of protection - the broader the package, the higher the premium, but also the more complete the protection. Contact a Polisarium advisor for an exact price tailored to your needs.

How to buy accident insurance from Compensa

Determine your needs - what NNW coverage is most important to you.
Choose a variant (basic or additional) and extension clauses.
Contact a Polisarium advisor or apply online.
Pay the premium - coverage will begin on the selected date.
In the event of an incident, report the damage online or by phone and attach documentation.

Key exclusions of liability

Below are selected examples from the T&Cs. A full list of exclusions is available in the Compensa NNW General Insurance Terms and Conditions.

Events caused intentionally by the insured or resulting from attempted suicide.
Consequences of being under the influence of alcohol, drugs or other intoxicants above acceptable standards.
Events resulting from active participation in acts of terrorism, riots or hostilities.
Engaging in extreme or professional sports without purchasing the appropriate extension.
A detailed catalog of exclusions and limitations can be found in the General Terms and Conditions of Compensa NNW Insurance.

Frequently asked questions about Compensa NNW

The basic variant of Compensa NNW insurance covers three benefits: permanent impairment, serious injury and death due to an accident. The additional variant extends coverage to include the consequences of heart attack and stroke (with permanent impairment), and also covers events during professional sports and extreme sports.

Compensa NNW offers 15 additional clauses, including: medical assistance (helpline, doctor's visit, transportation), reimbursement of medical treatment and rehabilitation costs, daily hospital benefit, incapacity benefit, serious illness, third-party liability in private life, baggage insurance and special conditions for TSO firefighters.

Onkopensa is a supplemental insurance policy for the treatment of malignant cancer at an invasive stage. Available only to customers who have individual NNW with Compensa. Sums insured: PLN 50,000, 100,000 or 150,000. Joining age: 18-60 years of age, with the option to continue until age 65.

Yes. Compensa NNW insurance provides protection both in Poland and abroad. In the event of an accident while traveling abroad, the insured can count on the benefits provided in the policy, including medical assistance (if purchased).

Yes. Compensa has prepared special NNW insurance conditions for firefighters of volunteer fire departments (TSO) and youth fire teams (MDP). The special conditions take into account the specifics of the service and the risks involved.

Why choose NNW insurance from Compensa?

Compensa NNW is flexible accident insurance that you can tailor to your needs. The basic variant protects you from the most important consequences of NW, while 15 additional clauses allow you to expand your protection with medical assistance, hospital benefits, rehabilitation, third party liability or even luggage insurance. A unique differentiator is Onkopensa, an additional oncology protection available to NW policyholders. The whole is supported by special conditions for TSO firefighters and coverage applicable in Poland and abroad.