WARTA Ochrona (Protection) WARTA Ochrona (Protection)

WARTA Ochrona (Protection)

Safety of your loved ones above anything else



Medical treatment of the insured person/child abroad under an additional agreemen

Amount of the additional sum insured (the maximum limit of liability under an additional insurance agreement) EUR 2,000,000
Type of benefit Limits for individual benefits
Medical Second Opinion One opinion for a given type of a serious health condition
Medical Aid Abroad within the additional sum insured
Arrangement and cost coverage of travel or medical transport within the additional sum insured
Arrangement and cost coverage of accommodation within the additional sum insured
Arrangement and cost coverage of medical expenses abroad within the additional sum insured
Daily hospital benefit EUR 100 for each day of hospitalization, up to EUR 6,000 for each serious medical condition treated abroad under the additional insurance agreement concluded for a given insured person
Reimbursement for the medical expenses incurred after the return from treatment abroad – reimbursement for prescription drugs purchased up to EUR 50,000 under an additional insurance agreement concluded for a given insured person (regardless of the number of serious health conditions treated abroad)
Arrangement and coverage of the costs related to repatriation of the body to the place of the person’s funeral within the additional sum insured
Medical monitoring after treatment abroad within the additional sum insured

Important Information

WARTA Ochrona is an individual life insurance from Towarzystwo Ubezpieczeń na Życie Warta S.A. (hereinafter: Warta TUnŻ S.A.).

Insurance coverage under WARTA Ochrona insurance is provided by Warta TUnŻ S.A.

Details of insurance, such as rules of benefit payments as well as limitations and exclusions of Insurer's liability, can be found in the General Terms and Conditions for the Individual Life Insurance WARTA Ochrona (hereinafter: GIT&C), available at Citi Handlowy branches.

The insurance coverage may be enhanced to include additional insurance policies listed in the GIT&C. The sum insured and additional insurance premium are determined on an individual basis.

The Insurer may refuse to provide a benefit in cases described in the General Terms and Conditions of the Individual Term Life Insurance “WARTA Ochrona”, for example if suicide is committed within 2 years after the agreement was signed.

The WARTA Ochrona insurance contract is concluded between the Client and the insurer through the Bank.

The Bank Handlowy w Warszawie S.A. with its registered office in Warsaw at 16 Senatorska Street acts as an insurance agent performing agency activities for the following insurance companies:

  • MetLife Europe Insurance Designated Activity Company,
  • Warta S.A. Insurance and Reinsurance Company,
  • Warta S.A. Insurance and Reinsurance Company,
  • Europ Assistance SA - branch in Ireland,
  • Nationale-Nederlanden Towarzystwo Ubezpieczeń na Życie Spółka Akcyjna,
  • Aegon Towarzystwo Ubezpieczeń na Życie Spółka Akcyjna.

The bank is entered under the number 11120807/A in the register of insurance agents maintained by the Polish Financial Supervision Authority.

The Client may check the Bank’s entry in the above register via the website: https://rpu.knf.gov.pl.

In the sales and service processes of protective insurance, the Bank applies the principles set out in the "Recommendation of good practices on the Polish bancassurance market in the field of protective insurance related to banking products" issued by the Polish Bank Association.

This material is of advertising/marketing nature and does not constitute an offer within the meaning of Art. 66 of the Civil Code.

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Your personal data will be administered by Bank Handlowy w Warszawie S.A. with its registered office in Warsaw, ul. Senatorska 16. The Bank carries out the processing of your personal data first of all to initiate activities to enter into an agreement between you and the Bank, including marketing involving the Bank’s products and services and similar products and services offered by the Bank’s partners, and presentation of an offer, i.e. in the Bank’s or Bank’s partners’ legitimate interest (Article 6(1)(f) of GDPR). You are entitled to: access your personal data, rectify them, erase them, restrict their processing, transfer your data and object to their processing. More detailed information is available at the website of Bank Handlowy w Warszawie S.A. in the “GDPR” section, see clause no. 29.


Additional information

  • Withdrawal and Termination

    The Client may rescind the insurance agreement within 30 days from the conclusion of the agreement, and may terminate the insurance agreement during its entire term.

  • Enquiries and complaints

    Claims and grievances, including complaints, may be submitted by the policyholder, the insured person or the beneficiary under the insurance contract to TUnŻ „WARTA” S.A.:

    • in writing to the following address: PO box 1013, 00-950 Warsaw 1;
    • electronically via a form on www.warta.pl/reklamacje;
    • by telephone at 502 308 308;
    • at every TUnŻ “WARTA” S.A. branch, with a letter delivered in person or orally for the record;
    • to the agent in the following forms:
    • in writing – when submitted in person at a Branch of the Bank during the Branch’s business hours, or sent to the following address: Citi Handlowy, Departament Obsługi Reklamacji i Zapytań Klientów (Complaint and Customers’ Enquiries Service Unit), ul. Goleszowska 6, 01-249 Warszawa (Warsaw);
    • orally – by telephone or in person for the record during the Client’s visit to a Branch of the Bank,
    • electronically – to the Bank’s email address, via Citibank Online after logging in, in the tab “Contact us”. Current contact details for submitting complaints are available on the Bank’s website (www.citibank.pl).

    The details how to file claims, grievances and complaints, and how they are examined, are available at the website at www.warta.pl.

    TUnŻ „WARTA” S.A. is subject to supervision exercised by the Polish Financial Supervision Authority. Notwithstanding the provisions of GAIPT&C, the Insurer will comply with its disclosure obligations as provided for in the currently applicable legislation.

  • Benefit payment

    If there has occurred an event covered by the insurance policy, the beneficiary shall submit an application for benefit payment directly to the Insurer. To that end, the beneficiary will fill up the form provided by the consultant of the Bank’s branch or the insurer – at any branch or online at www.warta.pl.

    An application for payment of the benefit will be deemed filed on the date the application is received by the insurer. For detailed rules on submitting a claim for benefit payment and on benefit payment to be made by the Policyholder go to the GIT&C or to the website www.warta.pl.

  • Limitations and exclusions of Insurer's liability

    For limitations and exclusions of the Insurer's liability please read the GIT&C of a given insurance