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Understanding the exclusions will help you avoid unpleasant surprises. An insurance policy is not an unlimited subscription to free medical care — it has clearly defined limitations. There is a standard list of situations in which an insurance company may deny coverage: Alcohol or drug intoxication — the most common reason for claim denials (read […]

Panic is a traveler’s worst enemy when dealing with illness or injury abroad. Taking the wrong steps can result in a legitimate denial of an insurance claim. To prevent this from happening, follow the clear procedure developed by Polis24 experts. Step 1. Contact the assistance service. This should be your first action (the exception is […]

A deductible is a fixed amount that the insured person pays out of pocket when an insured event occurs. Any expenses exceeding this amount are covered by the insurance company within the established coverage limit. Polis24 offers both policies with a deductible (for example, EUR 30, 50, or 100) and policies without one (EUR 0). […]

The insurance coverage amount is the maximum limit that the insurance company will pay for your medical treatment abroad. When purchasing a policy through Polis24, you can choose from various coverage options, most commonly EUR 30,000, EUR 50,000, or USD 50,000–100,000 (for the USA, Canada, and Japan). How to choose the coverage limit: EUR 30,000 […]

A basic policy is designed to cover sudden, unforeseen situations that pose a threat to your life or health. It is a standard package for obtaining a visa or crossing a border. It includes emergency outpatient and inpatient medical care, basic dental care (in cases of acute pain, within the coverage limit), transportation to a […]

When purchasing insurance through Polis24, you will see two names: the insurance company brand (which pays the claim) and the name of the assistance company. The assistance service is your helper abroad — a support service that organizes all the necessary assistance 24/7/365, without days off or breaks. When you develop a fever, have a […]

Many travelers mistakenly believe that if a country has a visa-free regime or border guards rarely ask for an insurance policy, they can save money by going without one. This is one of the most dangerous misconceptions. Insurance is not a formality “just for the sake of it” — it is a financial safety net […]

(Львів) 16.07.26