{"id":2349,"date":"2025-10-21T14:33:45","date_gmt":"2025-10-21T12:33:45","guid":{"rendered":"https:\/\/nazycie.pl\/?post_type=ubezpieczenie&#038;p=2349"},"modified":"2026-03-23T14:38:31","modified_gmt":"2026-03-23T13:38:31","slug":"trong-truong-hop-bi-om","status":"publish","type":"ubezpieczenie","link":"https:\/\/nazycie.pl\/vi\/ubezpieczenia-zdrowotne\/w-razie-choroby\/","title":{"rendered":"Trong tr\u01b0\u1eddng h\u1ee3p b\u1ecb \u1ed1m"},"content":{"rendered":"<style>.kb-row-layout-idwrch_hero_row_001 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-idwrch_hero_row_001 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-idwrch_hero_row_001 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-idwrch_hero_row_001 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-idwrch_hero_row_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-idwrch_hero_row_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-idwrch_hero_row_001 alignnone wp-block-kadence-rowlayout has-theme-palette-8-background-color has-background\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column2349_fbdbd8-6d > .kt-inside-inner-col{display:flex;}.kadence-column2349_fbdbd8-6d > .kt-inside-inner-col{flex-direction:column;}.kadence-column2349_fbdbd8-6d > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2349_fbdbd8-6d > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2349_fbdbd8-6d{position:relative;}@media all and (max-width: 1024px){.kadence-column2349_fbdbd8-6d > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2349_fbdbd8-6d > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2349_fbdbd8-6d\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-headingwrch_hero_heading_001, .wp-block-kadence-advancedheading.kt-adv-headingwrch_hero_heading_001[data-kb-block=\"kb-adv-headingwrch_hero_heading_001\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-headingwrch_hero_heading_001 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-headingwrch_hero_heading_001[data-kb-block=\"kb-adv-headingwrch_hero_heading_001\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-headingwrch_hero_heading_001 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-headingwrch_hero_heading_001[data-kb-block=\"kb-adv-headingwrch_hero_heading_001\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-headingwrch_hero_heading_001 kt-adv-heading wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-headingwrch_hero_heading_001\">Warta \u2013 w razie choroby<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Warta \u2013 w razie choroby to ochrona na wypadek powa\u017cnych problem\u00f3w zdrowotnych i nast\u0119pstw chor\u00f3b. Polisa zapewnia finansowe wsparcie po spe\u0142nieniu warunk\u00f3w okre\u015blonych w OWU \u2013 m.in. po diagnozie okre\u015blonych chor\u00f3b, pobycie w szpitalu czy przeprowadzonym zabiegu. \u015arodki mo\u017cesz przeznaczy\u0107 na leczenie, rehabilitacj\u0119 lub bie\u017c\u0105ce wydatki, aby skupi\u0107 si\u0119 na powrocie do zdrowia. Szczeg\u00f3\u0142owe definicje zdarze\u0144 i \u015bwiadcze\u0144 znajdziesz na stronie produktu Warty.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<p><!-- ZAKRES OCHRONY --><\/p>\n\n<style>#kt-layout-idwrch_scope_row_001 > .kt-row-column-wrap{align-content:start;}:where(#kt-layout-idwrch_scope_row_001 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}#kt-layout-idwrch_scope_row_001 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var( --global-kb-row-default-top, 25px );padding-bottom:var( --global-kb-row-default-bottom, 25px );padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}#kt-layout-idwrch_scope_row_001 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){#kt-layout-idwrch_scope_row_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){#kt-layout-idwrch_scope_row_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style>\n<div class=\"wp-block-kadence-rowlayout alignnone\"><div class=\"kt-row-column-wrap kt-has-1-columns\">\n<style>.kadence-columnwrch_scope_col_001 > .kt-inside-inner-col{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;}.kadence-columnwrch_scope_col_001 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-columnwrch_scope_col_001 > .kt-inside-inner-col{flex-direction:column;}.kadence-columnwrch_scope_col_001 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-columnwrch_scope_col_001 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-columnwrch_scope_col_001{position:relative;}@media all and (max-width: 1024px){.kadence-columnwrch_scope_col_001 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-columnwrch_scope_col_001 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column inner-column-1\"><div class=\"kt-inside-inner-col\">\n<style>.wp-block-kadence-advancedheading.kt-adv-headingwrch_scope_heading_001, .wp-block-kadence-advancedheading.kt-adv-headingwrch_scope_heading_001[data-kb-block=\"kb-adv-headingwrch_scope_heading_001\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-headingwrch_scope_heading_001 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-headingwrch_scope_heading_001[data-kb-block=\"kb-adv-headingwrch_scope_heading_001\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-headingwrch_scope_heading_001 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-headingwrch_scope_heading_001[data-kb-block=\"kb-adv-headingwrch_scope_heading_001\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading wp-block-kadence-advancedheading\">Zakres ochrony<\/h3>\n\n \n\n<p class=\"wp-block-paragraph\">Zakres \u015bwiadcze\u0144 obejmuje wybrane zdarzenia zdrowotne wskazane w OWU oraz w materia\u0142ach produktu. Poni\u017cej przyk\u0142adowe obszary wsparcia charakterystyczne dla ubezpiecze\u0144 w razie choroby \u2013 szczeg\u00f3\u0142owy katalog i warunki nale\u017cy weryfikowa\u0107 w dokumentach Warty.<\/p>\n\n \n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsiconlist_wrch_scope_001:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsiconlist_wrch_scope_001 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsiconlist_wrch_scope_001 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsiconlist_wrch_scope_001 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsiconlist_wrch_scope_001 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items_iconlist_wrch_scope_001 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\">\n<style>.kt-svg-icon-list-item-listitem_wrch_scope_001 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-listitem_wrch_scope_001\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"><\/path><polyline points=\"22 4 12 14.01 9 11.01\"><\/polyline><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Powa\u017cne zachorowania:<\/strong> jednorazowa wyp\u0142ata po rozpoznaniu chor\u00f3b z listy w OWU.<\/span><\/li>\n\n<style>.kt-svg-icon-list-item-listitem_wrch_scope_002 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-listitem_wrch_scope_002\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"><\/path><polyline points=\"22 4 12 14.01 9 11.01\"><\/polyline><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Pobyt w szpitalu:<\/strong> \u015bwiadczenie za hospitalizacj\u0119 spowodowan\u0105 chorob\u0105, zgodnie z limitem dni\/zdarze\u0144.<\/span><\/li>\n\n<style>.kt-svg-icon-list-item-listitem_wrch_scope_003 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-listitem_wrch_scope_003\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"><\/path><polyline points=\"22 4 12 14.01 9 11.01\"><\/polyline><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Operacje i zabiegi:<\/strong> wyp\u0142ata za wykonanie procedur medycznych uj\u0119tych w tabelach \u015bwiadcze\u0144.<\/span><\/li>\n\n<style>.kt-svg-icon-list-item-listitem_wrch_scope_004 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-listitem_wrch_scope_004\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"><\/path><polyline points=\"22 4 12 14.01 9 11.01\"><\/polyline><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Tymczasowa niezdolno\u015b\u0107:<\/strong> wsparcie finansowe przy czasowej niezdolno\u015bci do pracy wskutek choroby.<\/span><\/li>\n\n<style>.kt-svg-icon-list-item-listitem_wrch_scope_005 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-listitem_wrch_scope_005\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"><\/path><polyline points=\"22 4 12 14.01 9 11.01\"><\/polyline><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Rehabilitacja i rekonwalescencja:<\/strong> mo\u017cliwo\u015b\u0107 dofinansowania koszt\u00f3w powrotu do zdrowia, je\u015bli przewiduje to OWU.<\/span><\/li>\n\n<\/ul><\/div>\n\n \n<style>#kt-layout-idwrch_scope_infobox_row_001 > .kt-row-column-wrap{align-content:start;}:where(#kt-layout-idwrch_scope_infobox_row_001 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}#kt-layout-idwrch_scope_infobox_row_001 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var( --global-kb-row-default-top, 25px );padding-bottom:var( --global-kb-row-default-bottom, 25px );padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}#kt-layout-idwrch_scope_infobox_row_001 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){#kt-layout-idwrch_scope_infobox_row_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){#kt-layout-idwrch_scope_infobox_row_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style>\n<div class=\"wp-block-kadence-rowlayout alignnone\"><div class=\"kt-row-column-wrap kt-has-1-columns\">\n<style>.kadence-columnwrch_scope_infobox_col_001 > .kt-inside-inner-col{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;}.kadence-columnwrch_scope_infobox_col_001 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-columnwrch_scope_infobox_col_001 > .kt-inside-inner-col{flex-direction:column;}.kadence-columnwrch_scope_infobox_col_001 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-columnwrch_scope_infobox_col_001 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-columnwrch_scope_infobox_col_001{position:relative;}@media all and (max-width: 1024px){.kadence-columnwrch_scope_infobox_col_001 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-columnwrch_scope_infobox_col_001 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column inner-column-1\"><div class=\"kt-inside-inner-col\">\n<style>.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > #kt-info-boxwrch_scope_infobox_001 .kt-blocks-info-box-link-wrap{max-width:unset;}#kt-info-boxwrch_scope_infobox_001 .kt-blocks-info-box-link-wrap{padding-top:var(--global-kb-spacing-xs, 1rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);padding-left:var(--global-kb-spacing-xs, 1rem);}#kt-info-boxwrch_scope_infobox_001 .kadence-info-box-icon-container .kt-info-svg-icon, #kt-info-boxwrch_scope_infobox_001 .kt-info-svg-icon-flip, #kt-info-boxwrch_scope_infobox_001 .kt-blocks-info-box-number{font-size:50px;}#kt-info-boxwrch_scope_infobox_001 .kt-blocks-info-box-media{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}#kt-info-boxwrch_scope_infobox_001 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:15px;margin-bottom:0px;margin-left:15px;}#kt-info-boxwrch_scope_infobox_001 .kt-blocks-info-box-learnmore{background:transparent;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}<\/style>\n<div class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\"><div class=\"kt-blocks-info-box-link-wrap\"><div class=\"kt-infobox-textcontent\"><h4 class=\"kt-adv-heading kt-blocks-info-box-title\">\ud83d\udca1 Warto wiedzie\u0107<\/h4><p class=\"kt-blocks-info-box-text\">Zakres, definicje chor\u00f3b, okresy karencji i limity \u015bwiadcze\u0144 s\u0105 okre\u015blone w OWU. Przed zawarciem umowy zapoznaj si\u0119 z dokumentacj\u0105 na stronie Warty: <a href=\"https:\/\/www.warta.pl\/ubezpieczenie-na-zycie\/w-razie-choroby\/\" target=\"_blank\" rel=\"nofollow noopener\">produkt i OWU<\/a>.<\/p><\/div><\/div><\/div>\n\n<\/div><\/div>\n\n<\/div><\/div>\n\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<p><!-- SK\u0141ADKA I KOSZTY --><\/p>\n\n<style>.kb-row-layout-idwrch_cost_row_001 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-idwrch_cost_row_001 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-idwrch_cost_row_001 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-idwrch_cost_row_001 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-idwrch_cost_row_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-idwrch_cost_row_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-idwrch_cost_row_001 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column2349_ad86a8-12 > .kt-inside-inner-col{display:flex;}.kadence-column2349_ad86a8-12 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2349_ad86a8-12 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2349_ad86a8-12 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2349_ad86a8-12{position:relative;}@media all and (max-width: 1024px){.kadence-column2349_ad86a8-12 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2349_ad86a8-12 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2349_ad86a8-12\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-headingwrch_cost_heading_001, .wp-block-kadence-advancedheading.kt-adv-headingwrch_cost_heading_001[data-kb-block=\"kb-adv-headingwrch_cost_heading_001\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-headingwrch_cost_heading_001 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-headingwrch_cost_heading_001[data-kb-block=\"kb-adv-headingwrch_cost_heading_001\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-headingwrch_cost_heading_001 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-headingwrch_cost_heading_001[data-kb-block=\"kb-adv-headingwrch_cost_heading_001\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-headingwrch_cost_heading_001 kt-adv-heading wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-headingwrch_cost_heading_001\">Sk\u0142adka i koszty<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Wysoko\u015b\u0107 sk\u0142adki zale\u017cy m.in. od wieku, wybranego zakresu i sum ubezpieczenia, okresu ochrony oraz stanu zdrowia i historii medycznej. W niekt\u00f3rych wariantach mog\u0105 obowi\u0105zywa\u0107 limity oraz franszyzy. Dok\u0142adn\u0105 wycen\u0119 i dost\u0119pne warianty polisowe przedstawi doradca Warty po analizie Twoich potrzeb.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<p><!-- PROCES ZAKUPU --><\/p>\n\n<style>.kb-row-layout-idwrch_process_row_001 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-idwrch_process_row_001 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-idwrch_process_row_001 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-idwrch_process_row_001 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-idwrch_process_row_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-idwrch_process_row_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-idwrch_process_row_001 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column2349_098bdd-68 > .kt-inside-inner-col{display:flex;}.kadence-column2349_098bdd-68 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2349_098bdd-68 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2349_098bdd-68 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2349_098bdd-68{position:relative;}@media all and (max-width: 1024px){.kadence-column2349_098bdd-68 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2349_098bdd-68 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2349_098bdd-68\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-headingwrch_process_heading_001, .wp-block-kadence-advancedheading.kt-adv-headingwrch_process_heading_001[data-kb-block=\"kb-adv-headingwrch_process_heading_001\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-headingwrch_process_heading_001 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-headingwrch_process_heading_001[data-kb-block=\"kb-adv-headingwrch_process_heading_001\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-headingwrch_process_heading_001 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-headingwrch_process_heading_001[data-kb-block=\"kb-adv-headingwrch_process_heading_001\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-headingwrch_process_heading_001 kt-adv-heading wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-headingwrch_process_heading_001\">Jak kupi\u0107 ubezpieczenie \u2013 krok po kroku<\/h3>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsiconlist_wrch_process_001:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsiconlist_wrch_process_001 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsiconlist_wrch_process_001 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsiconlist_wrch_process_001 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsiconlist_wrch_process_001 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-itemsiconlist_wrch_process_001 kt-svg-icon-list-columns-1 alignnone kt-svg-icon-list-items_iconlist_wrch_process_001\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-listitem_wrch_process_001 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-listitem_wrch_process_001\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Kontakt z doradc\u0105:<\/strong> zg\u0142o\u015b si\u0119 do agenta Warty lub wype\u0142nij formularz online.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-listitem_wrch_process_002 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-listitem_wrch_process_002\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Analiza potrzeb:<\/strong> dob\u00f3r wariantu, sum ubezpieczenia i \u015bwiadcze\u0144 adekwatnych do Twojej sytuacji.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-listitem_wrch_process_003 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-listitem_wrch_process_003\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Ocena ryzyka:<\/strong> mo\u017cliwe pytania medyczne lub ankieta zdrowotna zgodnie z procedur\u0105 Warty.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-listitem_wrch_process_004 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-listitem_wrch_process_004\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Decyzja i polisa:<\/strong> po akceptacji warunk\u00f3w otrzymasz polis\u0119 i harmonogram sk\u0142adek.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-listitem_wrch_process_005 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-listitem_wrch_process_005\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>P\u0142atno\u015b\u0107 i start ochrony:<\/strong> op\u0142a\u0107 sk\u0142adk\u0119 zgodnie z polis\u0105 \u2013 ochrona rusza na ustalonych zasadach.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-idwrch_exclusions_row_001 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-idwrch_exclusions_row_001 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-idwrch_exclusions_row_001 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-idwrch_exclusions_row_001 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-idwrch_exclusions_row_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-idwrch_exclusions_row_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-idwrch_exclusions_row_001 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column2349_6b596b-53 > .kt-inside-inner-col{display:flex;}.kadence-column2349_6b596b-53 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2349_6b596b-53 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2349_6b596b-53 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2349_6b596b-53{position:relative;}@media all and (max-width: 1024px){.kadence-column2349_6b596b-53 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2349_6b596b-53 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2349_6b596b-53\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-headingwrch_exclusions_heading_001, .wp-block-kadence-advancedheading.kt-adv-headingwrch_exclusions_heading_001[data-kb-block=\"kb-adv-headingwrch_exclusions_heading_001\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-headingwrch_exclusions_heading_001 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-headingwrch_exclusions_heading_001[data-kb-block=\"kb-adv-headingwrch_exclusions_heading_001\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-headingwrch_exclusions_heading_001 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-headingwrch_exclusions_heading_001[data-kb-block=\"kb-adv-headingwrch_exclusions_heading_001\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-headingwrch_exclusions_heading_001 kt-adv-heading wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-headingwrch_exclusions_heading_001\">Wy\u0142\u0105czenia \u2013 na co zwr\u00f3ci\u0107 uwag\u0119<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Zakres odpowiedzialno\u015bci i ograniczenia s\u0105 wskazane w OWU. Poni\u017cej typowe przyk\u0142ady ogranicze\u0144 spotykanych w ubezpieczeniach chorobowych \u2013 dok\u0142adny wykaz i warunki sprawdzisz w dokumentach Warty.<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsiconlist_wrch_exclusions_001:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsiconlist_wrch_exclusions_001 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsiconlist_wrch_exclusions_001 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsiconlist_wrch_exclusions_001 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsiconlist_wrch_exclusions_001 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-itemsiconlist_wrch_exclusions_001 kt-svg-icon-list-columns-1 alignnone kt-svg-icon-list-items_iconlist_wrch_exclusions_001\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-listitem_wrch_exclusions_001 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-listitem_wrch_exclusions_001\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Choroby i dolegliwo\u015bci istniej\u0105ce przed zawarciem umowy, je\u015bli OWU to wy\u0142\u0105cza.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-listitem_wrch_exclusions_002 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-listitem_wrch_exclusions_002\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Skutki samookalecze\u0144, nadu\u017cywania alkoholu, narkotyk\u00f3w lub \u015brodk\u00f3w odurzaj\u0105cych.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-listitem_wrch_exclusions_003 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-listitem_wrch_exclusions_003\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Udzia\u0142 w dzia\u0142aniach wojennych, zamieszkach lub aktach terroru, je\u015bli OWU tak stanowi.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-listitem_wrch_exclusions_004 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-listitem_wrch_exclusions_004\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Zdarzenia wynikaj\u0105ce z ra\u017c\u0105cego niedbalstwa lub naruszenia prawa.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<p><!-- FAQ --><\/p>\n\n<style>.kb-row-layout-idwrch_faq_row_001 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-idwrch_faq_row_001 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-idwrch_faq_row_001 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-idwrch_faq_row_001 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-idwrch_faq_row_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-idwrch_faq_row_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-idwrch_faq_row_001 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column2349_469345-05 > .kt-inside-inner-col{display:flex;}.kadence-column2349_469345-05 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2349_469345-05 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2349_469345-05 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2349_469345-05{position:relative;}@media all and (max-width: 1024px){.kadence-column2349_469345-05 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2349_469345-05 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2349_469345-05\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-headingwrch_faq_heading_001, .wp-block-kadence-advancedheading.kt-adv-headingwrch_faq_heading_001[data-kb-block=\"kb-adv-headingwrch_faq_heading_001\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-headingwrch_faq_heading_001 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-headingwrch_faq_heading_001[data-kb-block=\"kb-adv-headingwrch_faq_heading_001\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-headingwrch_faq_heading_001 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-headingwrch_faq_heading_001[data-kb-block=\"kb-adv-headingwrch_faq_heading_001\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-headingwrch_faq_heading_001 kt-adv-heading wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-headingwrch_faq_heading_001\">Najcz\u0119\u015bciej zadawane pytania<\/h2>\n\n\n<style>.kt-accordion-idaccordion_wrch_001 .kt-accordion-inner-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:8px;}.kt-accordion-idaccordion_wrch_001 .kt-accordion-panel-inner{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kt-accordion-idaccordion_wrch_001 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);}@media all and (max-width: 767px){.kt-accordion-idaccordion_wrch_001 .kt-accordion-inner-wrap{display:block;}.kt-accordion-idaccordion_wrch_001 .kt-accordion-inner-wrap .kt-accordion-pane:not(:first-child){margin-top:8px;}}<\/style>\n<div class=\"wp-block-kadence-accordion alignnone kt-accordion-id_accordion_wrch_001 kt-accordion-has-5-panes kt-accordion-start-collapsed kt-accordion-block kt-pane-header-alignment-left\"><div class=\"kt-accordion-wrap kt-accordion-idaccordion_wrch_001 kt-accordion-has-5-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-basic kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"none\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-1 kt-panepane_wrch_001 kt-pane-header-arrow-style\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title-inner\">Na co mog\u0119 przeznaczy\u0107 wyp\u0142acone \u015bwiadczenie?<\/span><\/span><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">\u015arodki z polisy mo\u017cesz przeznaczy\u0107 dowolnie: na leczenie, rehabilitacj\u0119, leki, dojazdy czy uzupe\u0142nienie domowego bud\u017cetu. Ograniczenia wydatkowania nie obowi\u0105zuj\u0105 \u2013 kluczowe jest spe\u0142nienie warunk\u00f3w wyp\u0142aty okre\u015blonych w OWU.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-2 kt-panepane_wrch_002 kt-pane-header-arrow-style\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title-inner\">Czy obowi\u0105zuje okres karencji?<\/span><\/span><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">W produktach chorobowych cz\u0119sto stosuje si\u0119 karencje dla cz\u0119\u015bci \u015bwiadcze\u0144. Sprawd\u017a d\u0142ugo\u015b\u0107 i zakres karencji w dokumentach Warty dost\u0119pnych na stronie produktu oraz w OWU przed podpisaniem umowy.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-3 kt-panepane_wrch_003 kt-pane-header-arrow-style\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title-inner\">Jak zg\u0142osi\u0107 roszczenie o wyp\u0142at\u0119?<\/span><\/span><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">Zg\u0142oszenia mo\u017cesz dokona\u0107 online lub przez infolini\u0119 Warty, do\u0142\u0105czaj\u0105c dokumentacj\u0119 potwierdzaj\u0105c\u0105 zdarzenie (np. rozpoznanie, wypis szpitalny). Szczeg\u00f3\u0142ow\u0105 instrukcj\u0119 i formularze znajdziesz na stronie Warty.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-4 kt-panepane_wrch_004 kt-pane-header-arrow-style\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title-inner\">Czy mo\u017cna rozszerzy\u0107 ochron\u0119 o dodatkowe ryzyka?<\/span><\/span><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">Tak, w zale\u017cno\u015bci od oferty mo\u017cliwe s\u0105 rozszerzenia i r\u00f3\u017cne warianty \u015bwiadcze\u0144. Agent Warty przedstawi dost\u0119pne opcje, limity i koszty oraz pomo\u017ce dopasowa\u0107 ochron\u0119 do Twoich potrzeb.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-5 kt-panepane_wrch_005 kt-pane-header-arrow-style\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title-inner\">Czy ochrona dzia\u0142a za granic\u0105?<\/span><\/span><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">Zakres terytorialny i ewentualne ograniczenia (np. leczenie poza Polsk\u0105) s\u0105 opisane w OWU. Przed podr\u00f3\u017c\u0105 upewnij si\u0119, \u017ce Twoja polisa obejmuje zdarzenia, kt\u00f3re mog\u0105 wyst\u0105pi\u0107 poza granicami kraju.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<p><!-- PODSUMOWANIE --><\/p>\n\n<style>.kb-row-layout-idwrch_summary_row_001 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-idwrch_summary_row_001 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-idwrch_summary_row_001 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-idwrch_summary_row_001 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-idwrch_summary_row_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-idwrch_summary_row_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-idwrch_summary_row_001 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column2349_94eeea-2d > .kt-inside-inner-col{display:flex;}.kadence-column2349_94eeea-2d > .kt-inside-inner-col{flex-direction:column;}.kadence-column2349_94eeea-2d > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2349_94eeea-2d > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2349_94eeea-2d{position:relative;}@media all and (max-width: 1024px){.kadence-column2349_94eeea-2d > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2349_94eeea-2d > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2349_94eeea-2d\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-headingwrch_summary_heading_001, .wp-block-kadence-advancedheading.kt-adv-headingwrch_summary_heading_001[data-kb-block=\"kb-adv-headingwrch_summary_heading_001\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-headingwrch_summary_heading_001 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-headingwrch_summary_heading_001[data-kb-block=\"kb-adv-headingwrch_summary_heading_001\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-headingwrch_summary_heading_001 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-headingwrch_summary_heading_001[data-kb-block=\"kb-adv-headingwrch_summary_heading_001\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-headingwrch_summary_heading_001 kt-adv-heading wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-headingwrch_summary_heading_001\">Podsumowanie<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Warta \u2013 w razie choroby to rozwi\u0105zanie dla os\u00f3b, kt\u00f3re chc\u0105 zabezpieczy\u0107 bud\u017cet na wypadek powa\u017cnych zachorowa\u0144 lub d\u0142u\u017cszego leczenia. Ochrona i \u015bwiadczenia zale\u017c\u0105 od wybranego wariantu, sum ubezpieczenia i zapis\u00f3w OWU. Skontaktuj si\u0119 z doradc\u0105 Warty, aby pozna\u0107 szczeg\u00f3\u0142y i otrzyma\u0107 wycen\u0119 dopasowan\u0105 do Twoich potrzeb.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>","protected":false},"featured_media":2350,"template":"","meta":{"_acf_changed":true,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":""},"rodzaj-ubezpieczenia":[18],"class_list":["post-2349","ubezpieczenie","type-ubezpieczenie","status-publish","has-post-thumbnail","hentry","rodzaj-ubezpieczenia-ubezpieczenia-zdrowotne"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>W razie choroby - na\u017bycie.pl<\/title>\n<meta name=\"description\" content=\"Poznaj ubezpieczenie Warta \u2013 w razie choroby: finansowe wsparcie po diagnozie choroby, pobycie w szpitalu lub operacji. 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