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Accident
Claims
You should:
- Consult a qualified doctor as soon as possible (no later than 24 hours).
- Follow medical recommendations.
- Collect and keep all medical documentation.
In urgent situations, call emergency services first.
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You can report a claim: via the Balcia mobile app (click “+”), on the Balcia website under “Report a claim”.
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You must provide: date and time of the accident, place of the incident, description of the event, medical documentation confirming the injury or illness.
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Once all required documents are received, compensation is paid according to statutory deadlines specified in the policy terms.
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You can check your policy status: in the Balcia mobile app under “Policies”, in your insurance contract, by calling +48 22 274 22 22.
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Coverage
NNW insurance covers, among others: injuries resulting from accidents, permanent health damage, death caused by an accident, temporary incapacity for work, critical illnesses, civil liability resulting from accidents.
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Covered injuries include: burns and cuts, concussions, ligament, tendon and soft tissue damage, bone fractures, internal organ damage, injuries caused by sharp objects.
A detailed list is included in the policy terms and conditions.
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Yes. NNW insurance covers injuries sustained during recreational sports activities such as running, cycling or fitness training.
Professional and extreme sports require separate Extreme insurance.
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Yes. NNW insurance covers critical illnesses such as: cancer, heart attack, stroke.
A one‑time benefit is paid and can be used at your discretion.
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Yes. Medical treatment and rehabilitation costs are covered for up to 30 months, depending on the policy terms.
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Yes. NNW includes civil liability coverage for damage unintentionally caused to: other people, their health, their property.
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Yes. Coverage includes: tick‑borne encephalitis, Lyme disease, even if the insured person was not vaccinated.
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Yes. NNW insurance provides worldwide coverage, 24/7.
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General information
NNW (Personal Accident Insurance) is voluntary insurance that provides financial support in the event of injuries, illness or death resulting from an accident in everyday life or during sports activities.
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NNW insurance is intended for: individuals seeking protection in daily life, people practising sports recreationally, employees, families looking for basic accident protection.
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No. NNW insurance is voluntary and can be purchased independently or as additional protection alongside other policies.
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NNW insurance covers everyday risks and recreational sports, while Extreme insurance is designed for high‑risk activities, extreme sports and dangerous professions.
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You can purchase NNW insurance: via the Balcia mobile app, on the Balcia website, by contacting the Balcia sales team, through Balcia partners.
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You can choose one of three variants:
- L – basic protection,
- XL – extended protection,
- XXL – the widest scope of protection.
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Yes. You can choose: a one‑time payment, or up to 12 instalments, with no additional fees.
The price and coverage remain unchanged.
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You can choose the policy period according to your needs, typically up to 12 months, with the option to renew.
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Yes. You can terminate the policy: via the Balcia mobile app, on the Balcia website, by emailing dok@balcia.pl.
Any unused premium will be refunded, with no hidden costs.
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Autocasco
Claims
You can report a claim: via the Balcia mobile app (click “+”), on the Balcia website under “Report a claim”.
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You need to provide: date and time of the incident, location, type of event, a short description of circumstances (text or voice message in the app).
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We recommend reporting the damage immediately after it occurs to allow for the fastest possible processing of the case.
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Once all required information and documents are provided, compensation is paid within 30 days from the claim notification date.
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No, a replacement vehicle is not included in Autocasco.
It may be available as part of Assistance, depending on your selected variant.
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Contact Balcia’s 24/7 assistance at +48 22 274 22 22 immediately.
If medical assistance is required, call emergency services first.
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Coverage
Coverage includes, among others: vehicle damage, theft and robbery, total loss, loss of keys, cracked or broken windows, accidents involving the driver and passengers, collisions with animals.
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Yes. The policy covers damage caused by natural disasters, vandalism and theft, subject to policy terms.
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Yes. Additional equipment is covered up to PLN 10,000, provided its value does not exceed 30% of the vehicle’s value.
Covered items include e.g. tyres, audio systems, roof racks, navigation devices, sensors and protective accessories.
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To include theft risk, your car must meet security requirements, including at least two anti‑theft protections, such as: two sets of keys, alarm system, immobiliser, hidden cut‑off switch, radio monitoring systems (e.g. Sherlog, Sportguard).
Detailed requirements are shown during policy pricing.
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Yes. You can choose the territorial scope: Poland only, or Europe (with listed exclusions, e.g. Belarus, Moldova, Ukraine, European part of Russia, unless agreed otherwise).
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A deductible is the part of the loss (amount or percentage) covered by the policyholder.
The remaining amount is paid by the insurer.
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General information
Autocasco is voluntary motor insurance that protects your vehicle against financial consequences of damage, theft, robbery or total loss.
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No. Autocasco is optional insurance and complements mandatory MTPL (OC ppm) insurance.
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Autocasco protects your vehicle, while MTPL covers damage you cause to others, their property or health.
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Yes. A safer driving style, longer driving experience and vehicle characteristics may positively affect the premium.
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You can buy an Autocasco policy: in the Balcia mobile app, on the Balcia website, by contacting the sales team.
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Yes. You can choose: a one‑time payment, or up to 12 instalments with no additional fees.
The price and scope of coverage remain unchanged.
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You can choose a policy period of: 1 month, 6 months, 12 months.
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You can choose a policy period of: 1 month, 6 months, 12 months.
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Yes. You can terminate it via the mobile app, website or by emailing dok@balcia.pl.
Any unused premium will be refunded, with no hidden costs.
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Yes, Autocasco remains valid if your car is driven by another person with a valid driving licence.
Please note that the driver’s experience may affect the claim settlement.
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You can check the policy status: in the Balcia mobile app under “Policies”, in your insurance contract, by calling +48 22 274 22 22.
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Citycombo
Claims
You can report a claim: via the Balcia mobile app (click “+”), on the Balcia website under “Report a claim”.
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You need to provide: date and time of the incident, location, type of transport involved, description of the event.
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Yes. Damage caused by family members using the insured means of transport is covered and can be reported under your policy.
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Claims should be reported as soon as possible after the incident to ensure fast and efficient handling.
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Yes. If you accidentally hit a person or an animal, City Combo covers the resulting damage and potential legal claims.
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Coverage
City Combo covers four main risk areas: accidents, damage to the means of transport, theft of the means of transport, damage caused to third parties (civil liability).
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Yes. The policy covers damage resulting from: accidents, falls, collisions with obstacles (e.g. curbs, potholes), actions of family members using the insured transport.
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Yes. Theft is covered, including theft from public places. The transport device should be properly secured when left unattended.
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Yes. City Combo includes civil liability insurance covering damage accidentally caused to third parties, their property, health or life.
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Yes. City Combo covers participation in training sessions and competitions. For professional competitions, Balcia specialists can advise on appropriate insurance.
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Yes. The insurance applies 24 hours a day, 7 days a week, all year round.
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No. City Combo insurance has a PLN 0 deductible, meaning you do not pay anything out of pocket in the event of a claim.
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General info
City Combo is one insurance policy that covers multiple means of transport and your family members. It is designed for everyday mobility and protects you in situations related to movement in the city and beyond.
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City Combo is intended for: individuals and families, people using bicycles, scooters, roller skates, skateboards or similar means of transport, people looking for one policy covering multiple transport devices and family members.
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City Combo covers various micromobility devices, including: bicycles, electric and non‑electric scooters, roller skates, skateboards and longboards.
In winter, City Combo automatically becomes Winter Combo, covering: skis, snowboards, sledges and saucers.
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Yes. The policy covers you and your family members, including: spouse or partner living in the same household, children and grandchildren, parents, grandparents and siblings.
Children under 18 are also included.
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You can purchase City Combo insurance: via the Balcia mobile app, on the Balcia website, by contacting the Balcia sales team, through Balcia partners.
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You can choose one of three variants:
- L – basic coverage,
- XL – extended coverage,
- XXL – the widest scope of protection.
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Yes. You can terminate the policy via: the Balcia mobile app, the Balcia website, email at dok@balcia.pl.
If the policy was paid in advance, the unused premium will be refunded or transferred to another Balcia policy.
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Civil liability
General information
Private civil liability insurance protects you against the financial consequences of accidental damage caused to other people, their health or their property in everyday life.
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This insurance is intended for: individuals and families, people living in apartments or houses, property owners and tenants, people who want protection against everyday accidental incidents.
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Typical situations include: accidentally damaging property belonging to others, flooding neighbours due to a burst pipe, damage caused by children or pets, accidental damage during leisure activities or holidays.
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Balcia offers: Private individual civil liability – covering everyday personal activities. Both options can be purchased separately or together.
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You can purchase the policy: via the Balcia mobile app, on the Balcia website, by phone (573 504 904), by email (sprzedaz@balcia.pl), through Balcia agents or brokers.
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Yes. You can choose: one‑time payment, or up to 12 instalments, with no additional fees.
The price and scope of coverage remain unchanged.
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Yes. You can terminate the policy: via the Balcia mobile app, on the website, by emailing dok@balcia.pl.
Any unused premium will be refunded or transferred to another Balcia policy.
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Coverage
Coverage includes, among others: damage caused to third parties, damage caused by children, damage caused by pets, damage during everyday activities, damage caused during holidays, damage related to property ownership.
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Yes. The insurance covers all household members living with you at the same address.
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Yes. If your pet causes damage to another person or their property, the policy covers the resulting losses.
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Yes. The policy covers accidental damage caused during holidays, including damage to rented cars or accommodation.
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Yes. Civil liability arising from the use of drones (unmanned aerial vehicles) is covered within the policy scope.
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Yes. Depending on the selected territorial scope, coverage applies: in Poland, in Europe, worldwide.
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Yes. A deductible is the portion of damage (amount or percentage) that you cover yourself. The remaining amount is covered by the insurer.
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No. Private civil liability insurance does not replace MTPL (motor insurance). It covers only non‑motor, everyday life situations.
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Claims
You can report a claim: via the Balcia mobile app, on the Balcia website under “Report a claim”.
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You need to provide: date and time of the incident, place of the incident, description of what happened, information about third parties involved.
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Claims should be reported as soon as possible after the incident to ensure smooth processing.
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You can check your policy status: in the Balcia mobile app under “Policies”.
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Extreme
Claims
You should:
- Consult a qualified doctor as soon as possible (no later than 24 hours).
- Follow medical recommendations.
- Keep all medical documentation and receipts.
In serious situations, call emergency services first.
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You can report a claim: via the Balcia mobile app (click “+”), on the Balcia website under “Report a claim”.
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You need to provide: date and time of the incident, place of the incident, description of the activity being performed, medical documentation confirming the injury.
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Claims should be reported as soon as possible after the accident to ensure smooth and fast handling.
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You can check your policy status: in the Balcia mobile app under “Policies”, in the insurance contract, by calling +48 22 274 22 22.
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Coverage
Extreme insurance covers, among others: injuries sustained during extreme sports, injuries sustained while performing dangerous work, permanent disability, death, hospitalisation and daily hospital allowance, medical treatment costs.
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Yes. Extreme insurance covers injuries sustained while practising extreme sports, including those involving: high speed, height, physical risk, specialised equipment.
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Yes. The policy covers injuries sustained during: professional training sessions, competitions and tournaments, professional sports practice worldwide.
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Yes. Extreme insurance includes coverage for high‑risk professions such as: work at heights, service in armed forces, other dangerous occupations.
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Yes. Extreme insurance provides worldwide coverage, 24/7, regardless of where the accident occurs.
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Coverage includes a wide range of injuries, from: sprains and cuts, bone fractures, animal bites, to: serious injuries causing permanent health damage, tick‑borne encephalitis.
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General information
Balcia Extreme is personal accident insurance designed for people engaging in extreme sports, high‑risk activities or dangerous professions. It provides financial protection in the event of injury, permanent disability, hospitalisation or death.
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Extreme insurance is intended for: people practising extreme or high‑risk sports, professional athletes, people performing dangerous work (e.g. working at heights, armed forces), anyone whose activities involve increased risk.
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Extreme insurance covers activities and professions excluded from standard personal accident insurance, such as: extreme sports, high‑speed activities, professional sports, hazardous occupations.
Standard personal accident insurance is intended for everyday risks only.
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No. No protective equipment guarantees full safety. Extreme insurance is designed to provide financial protection when an accident happens despite taking precautions.
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You can purchase Extreme insurance: via the Balcia mobile app, on the Balcia website, by contacting the Balcia sales team, through Balcia partners.
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You can choose one of three variants:
- L – basic protection,
- XL – extended protection,
- XXL – the widest scope of protection.
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Yes. You may choose: a one‑time payment, or up to 12 instalments, with no additional fees.
The price and coverage do not change.
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The recommended insurance period is 12 months. It is also possible to purchase the policy for 6 months.
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Yes. The policy can be terminated: via the Balcia mobile app, on the website, by calling +48 22 274 22 22, by emailing dok@balcia.pl.
Any unused premium will be refunded, with no hidden costs.
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Junior
Claims
You should:
- Visit a qualified doctor as soon as possible (no later than 24 hours).
- Follow medical recommendations.
- Keep all medical documentation and bills.
If needed, contact Balcia at +48 22 274 22 22.
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You can report a claim: via the Balcia mobile app (click “+”), on the Balcia website under “Report a claim”.
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You must provide: date and time of the incident, place of the event, type of incident, a short description of circumstances (text or voice message in the app).
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Claims should be reported as soon as possible after the incident to ensure smooth processing.
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You can check the policy status: in the Balcia mobile app under “Policies”, in the insurance contract, by calling +48 22 274 22 22.
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Coverage
Junior insurance covers, among others: injuries during everyday activities, sports injuries, injuries during training sessions and competitions, injuries during camps, unintentional damage caused by a child to third parties.
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Yes. Junior insurance provides worldwide coverage, 24/7 — both in Poland and abroad.
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Yes. Medical treatment costs abroad are covered. In the event of an accident abroad, you should contact Balcia’s 24/7 assistance centre as soon as possible.
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Yes. Junior insurance covers: sports activities, competitions, camps and tournaments worldwide.
There are no restrictions on the type of sport chosen by the child.
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Yes. Junior insurance covers: tick‑borne encephalitis, Lyme disease, even if the child was not vaccinated.
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Yes. Junior insurance includes civil liability coverage, protecting parents if a child unintentionally causes damage to another person, their health or their property.
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Medical treatment costs are covered for up to 30 months, including treatment, hospitalisation and rehabilitation.
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General information
Balcia Junior is personal accident insurance designed specifically for children. It provides financial protection in the event of injuries, accidents or unexpected situations in everyday life and during sports activities.
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Junior insurance is intended for: children up to 17 years of age (inclusive), children participating in sports, camps and competitions, families looking for year‑round protection for their children.
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No. Junior insurance covers both: everyday activities and free time, sports training, competitions and camps.
Statistics show that children most often suffer injuries outside organised training — and those situations are also covered.
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One Junior policy can cover up to six children, regardless of their age (preschool or school‑age). This makes it a convenient solution for families.
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You can purchase Junior insurance: via the Balcia mobile app, on the Balcia website, by contacting the Balcia sales team, through Balcia partners.
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You can choose one of three variants:
- L – basic coverage,
- XL – extended coverage,
- XXL – comfort option with the widest scope of protection.
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Yes. You can choose: a one‑time payment, or up to 12 instalments, with no additional fees.
The price and scope of coverage do not change.
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You can choose an insurance period from 1 to 12 months, depending on your needs.
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Yes. You can terminate the policy: via the Balcia mobile app, on the Balcia website, by calling +48 22 274 22 22, by emailing dok@balcia.pl.
Any unused premium will be refunded, with no hidden costs.
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MTPL
Claims
- Assess the situation.
- If there are injured persons or serious damage, call 112 immediately.
- Document the incident (photos, witnesses).
- Contact Balcia at +48 22 274 22 22 for further guidance.
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If: no one is injured, no third‑party property was damaged, only two vehicles were involved,
you can complete a joint accident statement or report the incident via the mObywatel (mStłuczka) application.
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You can report a claim: via the Balcia mobile app (click “+”), on the Balcia website under “Report a claim”, through your insurance agent or broker.
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You must provide: date and time of the incident, location, type of incident, parties involved, a short description of the circumstances (text or voice message in the app).
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Compensation is paid to the injured third party, not to the policyholder.
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Coverage
MTPL insurance covers damage caused by you or another driver of your vehicle to: third‑party vehicles, third‑party property, health or life of third parties.
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No. Damage to your own vehicle is not covered by MTPL. For this purpose, Autocasco insurance is required.
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Yes. MTPL covers damage caused by any authorized driver using your vehicle.
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Yes. MTPL is valid in all countries of the European Economic Area (EEA).
When entering Russia or Belarus, border insurance must be purchased separately.
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Yes. Along with MTPL, you may purchase additional insurance such as: personal accident insurance, roadside assistance, Autocasco.
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General info
MTPL (mandatory motor third‑party liability insurance) is compulsory insurance for all motor vehicles participating in road traffic. It is required if you own a car, electric vehicle or motorcycle.
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Yes. MTPL insurance is legally required in Poland for all registered motor vehicles used in road traffic.
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MTPL insurance protects your civil liability as a driver. It covers damage you cause to other people, their health or their property.
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MTPL covers damage caused to others, while Autocasco protects your own vehicle against damage, theft or total loss.
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You can buy MTPL insurance: via the Balcia mobile app, on the Balcia website, by contacting Balcia’s sales team under phone number 573504904 or e-mail sprzedaz@balcia.pl, through Balcia partners.
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To calculate the price, you need: the vehicle registration number, personal details or PESEL / REGON number.
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Yes. You can pay: in one lump sum, or in two instalments.
If the payment is split into instalments, the total amount will change.
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MTPL insurance is concluded for 12 months, except for special cases defined by law.
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You can check your policy: in the Balcia mobile app under “Policies”, in your insurance contract, by calling +48 22 274 22 22, on the Insurance Guarantee Fund (UFG) website.
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Property insurance
Claims
You can report a claim: via the Balcia mobile app (click “+”), on the Balcia website under “Report a claim”, through your insurance broker or agent.
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You need to provide: date and time of the incident, address, type of incident, a short description of the circumstances (text or voice message in the app).
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We recommend reporting the claim immediately after the incident to ensure faster processing.
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Once all required information and documents are received, compensation is paid within 5 business days.
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You can check your policy status: in the Balcia mobile app under “Policies”, in your insurance contract, by calling +48 22 274 22 22.
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Coverage
House Combo offers all‑risk protection with very few exclusions and covers, among others: damage to the property, movable property, electrical risks, rain and melting snow damage, rescue and clean‑up costs, increased utility costs, temporary accommodation costs, personal civil liability.
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Yes. The insurance covers damage caused by natural disasters such as storms and heavy rainfall, and provides fast response in such situations.
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Movable property includes personal belongings such as: furniture, electronics, clothing, household appliances, jewellery and other valuables.
Coverage applies both at home and — if selected — outside the home, worldwide.
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Yes. Damage to guests’ property is covered up to PLN 15,000.
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Yes. You can insure additional buildings located on your property, such as: garages, outbuildings, cellars.
These must be selected during policy purchase.
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Yes, provided that: the building is occupied at least 9 months a year, no commercial activity is conducted on the property.
For non‑standard situations, Balcia specialists can advise on the best solution.
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Yes. Long‑term rented apartments based on a tenancy agreement can be insured.
The policy also includes civil liability coverage useful if tenants cause damage to neighbours.
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Yes. Insurance remains valid during renovation or construction works, provided they do not require a building permit under Polish law.
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Yes. A deductible means that part of the loss (amount or percentage) is covered by you, while the remaining amount is covered by the insurer.
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General information
House Combo is comprehensive home insurance designed to protect your apartment or house, your movable property and your civil liability. It combines multiple types of protection in one policy.
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House Combo insurance is suitable for: apartment owners, house owners, landlords renting out property on a long‑term basis, people looking for broad protection with minimal exclusions.
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You can purchase House Combo insurance: via the Balcia mobile app, on the Balcia website, by contacting the Balcia sales team, through Balcia partners.
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To calculate the price, you need to provide information such as: whether the property is an apartment or a house, year of construction or major renovation, property type and size, whether additional buildings (e.g. garage) should be insured.
You also choose the insured sums for movable property and civil liability.
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Yes. You can choose one of three variants:
- L – suitable for basic needs,
- XL – suitable for higher expectations,
- XXL – comfort option with the widest scope of protection.
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Yes. You can choose: a one‑time payment, or up to 12 instalments per year, with no additional fees.
The price and coverage remain unchanged.
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The maximum insurance period is 12 months.
After the policy expires, it can be renewed for another year.
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Yes. You can terminate the policy: via the Balcia mobile app, on the Balcia website, by emailing dok@balcia.pl.
Any unused premium will be refunded, with no hidden costs.
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No. Written consent from the other co‑owner is not required. Each co‑owner may independently insure the property.
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Travel
Claims
Contact Balcia’s 24/7 assistance centre at +48 22 274 22 22 to receive instructions. In emergencies, call local emergency services first.
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Always keep: medical reports, invoices, payment confirmations. These are required for claim processing.
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You can report a claim: via the Balcia mobile app (click “+”), on the Balcia website under “Report a claim”.
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You must provide: date and time of the incident, country where the event occurred, description of circumstances, documents confirming incurred expenses.
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Claims should be reported as soon as possible after the incident to ensure smooth handling.
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Coverage
Coverage includes, among others: medical expenses, illness or accidents (including COVID‑19), trip cancellation or interruption, lost, delayed or damaged luggage, flight delays or missed connections, damage caused to third parties.
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Yes. Many activities are included in standard coverage. Additional protection may be selected for activities such as: skiing and snowboarding, motorcycle riding, sailing, kayaking, extreme sports (e.g. off‑piste skiing, deep diving, motorsports).
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Yes. Insurance covers: delayed luggage (after 2 hours), damaged luggage, lost or stolen luggage. Compensation is paid within specified limits.
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Yes. Insurance covers: ticket change or purchase of a new economy‑class ticket, hotel accommodation up to EUR 100 per night, for a maximum of 3 nights, if a connection is missed for insured reasons.
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Yes. Coverage depends on the selected geographical area and applies both within and outside Europe.
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Travel insurance covers risks related specifically to trips (medical care abroad, luggage, delays).
Personal accident insurance provides longer‑term protection against accident consequences, even after returning home.
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General information
Balcia travel insurance provides protection during domestic and international trips. It helps cover unexpected situations such as illness, accidents, trip cancellation, lost luggage or delays during travel.
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Travel insurance is suitable for: tourists, business travellers, people travelling for training or work, individuals and families travelling abroad or within Poland.
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You can purchase travel insurance: via the Balcia mobile app, on the Balcia website, by contacting the Balcia sales team, through Balcia partners.
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To calculate the price, you need to provide: travel dates, destination area, number of travellers, planned activities during the trip.
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You can choose one of three variants:
- L – basic and most affordable,
- XL – most frequently chosen,
- XXL – widest scope of coverage with highest limits.
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Yes. Travel insurance remains valid even if you do not have a European Health Insurance Card (EHIC).
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No. EHIC provides only basic medical assistance within the EU and selected countries. It does not cover many costs such as medical transport, private treatment, trip cancellation, lost luggage or delays. Travel insurance offers much broader protection.
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We recommend buying travel insurance as early as possible. It can be purchased:
- up to one day before departure,
- even at the airport (coverage starts the next day).
For trip cancellation due to illness, insurance must be purchased at least 3 days before departure.
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We recommend buying travel insurance as early as possible. It can be purchased:
- up to one day before departure,
- even at the airport (coverage starts the next day).
For trip cancellation due to illness, insurance must be purchased at least 3 days before departure.
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Yes. You must indicate whether the trip is: tourist, business, training, physical work.
This allows us to adjust coverage accordingly.
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