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[Informacja ogólna]
<ĂƌƚĂ WƌŽĚƵŬƚƵ ũĞƐƚ ŵĂƚĞƌŝĂųĞŵ ŝŶĨŽƌŵĂĐLJũŶLJŵ ŝ ŶŝĞ ƐƚĂŶŽǁŝ ŝŶƚĞŐƌĂůŶĞũ ĐnjħƑĐŝ ƵŵŽǁLJ ŝ ǁĂƌƵŶŬſǁ ƵďĞnjƉŝĞĐnjĞŶŝĂ͘ <ĂƌƚĂ
WƌŽĚƵŬƚƵnjŽƐƚĂųĂƉƌnjLJŐŽƚŽǁĂŶĂƉƌnjĞnjdŽǁĂƌnjLJƐƚǁŽhďĞnjƉŝĞĐnjĞŷŶÂLJĐŝĞĂƌĚŝĨWŽůƐŬĂ^͘͘ŽƌĂnjĂƌĚŝĨƐƐƵƌĂŶĐĞƐZŝƐƋƵĞƐ
ŝǀĞƌƐ^͘͘KĚĚnjŝĂųǁWŽůƐĐĞǁĞǁƐƉſųƉƌĂĐLJnjsŽůŬƐǁĂŐĞŶĂŶŬWŽůƐŬĂ^͘͘ŶĂƉŽĚƐƚĂǁŝĞZĞŬŽŵĞŶĚĂĐũŝhĚŽƚLJĐnjČĐĞũĚŽďƌLJĐŚ
ƉƌĂŬƚLJŬǁnjĂŬƌĞƐŝĞďĂŶĐĂƐƐƵƌĂŶĐĞǁLJĚĂŶĞũƉƌnjĞnj<ŽŵŝƐũħEĂĚnjŽƌƵ&ŝŶĂŶƐŽǁĞŐŽǁĐnjĞƌǁĐƵϮϬϭϰƌ͘ŝŵĂnjĂnjĂĚĂŶŝĞƉŽŬĂnjĂđ
ŬůƵĐnjŽǁĞŝŶĨŽƌŵĂĐũĞŽƉƌŽĚƵŬĐŝĞŝƉŽŵſĐŬůŝĞŶƚŽǁŝǁnjƌŽnjƵŵŝĞŶŝƵĐĞĐŚƉƌŽĚƵŬƚƵ͘
ĞĐLJnjũħ Ž njĂǁĂƌĐŝƵ hŵŽǁLJ ƵďĞnjƉŝĞĐnjĞŶŝĂ ƉŽĚĞũŵŝũ ƉŽ ǁĐnjĞƑŶŝĞũƐnjLJŵ njĂƉŽnjŶĂŶŝƵ Ɛŝħ nj ĚŽŬƵŵĞŶƚĂĐũČ ƵďĞnjƉŝĞĐnjĞŶŝŽǁČ͕
ǁ ƚLJŵ njǁųĂƐnjĐnjĂ nj Ogólnymi Warunkami Ubezpieczenia (dalej: OWU), ǁ ŬƚſƌLJĐŚ njŶĂũĚƵũČ Ɛŝħ ƐnjĐnjĞŐſųŽǁĞ ŝŶĨŽƌŵĂĐũĞ
Ž ƵďĞnjƉŝĞĐnjĞŶŝƵ͘
:ĞƑůŝ ŶŝĞ ƌŽnjƵŵŝĞƐnj ĐĞĐŚ ƉƌŽĚƵŬƚƵ njĂǁĂƌƚLJĐŚ ǁ ŶŝŶŝĞũƐnjĞũ <ĂƌĐŝĞ ĂůďŽ ŶŝĞ ũĞƐƚĞƑ ƉĞǁŝĞŶ͕ ĐnjLJ ƉƌŽĚƵŬƚ ũĞƐƚ ĚůĂ ŝĞďŝĞ
ŽĚƉŽǁŝĞĚŶŝ͕ƐŬŽŶƐƵůƚƵũƐŝħnjŐĞŶƚĞŵ͕ŬƚſƌLJƵĚnjŝĞůŝŝǁLJĐnjĞƌƉƵũČĐLJĐŚŝŶĨŽƌŵĂĐũŝǁƚLJŵnjĂŬƌĞƐŝĞƉƌnjĞĚƉŽĚƉŝƐĂŶŝĞŵhŵŽǁLJ
hďĞnjƉŝĞĐnjĞŶŝĂ͘
WŽĚƐƚĂǁŽǁĞĚĂŶĞĚŽƚLJĐnjČĐĞhďĞnjƉŝĞĐnjĞŶŝĂ dla Kredytobiorców oznaczone indeksem
VW/CARCPI_3_Ϯ.3/2015
1. Ubezpieczyciel
ϰ͘ hďĞnjƉŝĞĐnjĂũČĐLJ
dŽǁĂƌnjLJƐƚǁŽ hďĞnjƉŝĞĐnjĞŷ ŶĂ ‚LJĐŝĞ ĂƌĚŝĨ WŽůƐŬĂ ^͘͘
ǁ njĂŬƌĞƐŝĞ ƌLJnjLJŬĂ njŐŽŶƵ͕ ŶŝĞnjĚŽůŶŽƑĐŝ ĚŽ ƉƌĂĐLJ͕ ƉŽďLJƚƵ
ǁ ƐnjƉŝƚĂůƵ͕ ƉŽďLJƚƵ ǁ ƐnjƉŝƚĂůƵ ǁƐŬƵƚĞŬ ŶŝĞƐnjĐnjħƑůŝǁĞŐŽ
ǁLJƉĂĚŬƵŽƌĂnjƉŽǁĂǏŶĞŐŽnjĂĐŚŽƌŽǁĂŶŝĂ
<ƌĞĚLJƚŽďŝŽƌĐĂ͕ŬƚſƌLJnjĂǁĂƌųhŵŽǁħƵďĞnjƉŝĞĐnjĞŶŝĂŝ ŬƚſƌLJ
ũĞƐƚnjŽďŽǁŝČnjĂŶLJĚŽŽƉųĂĐĞŶŝĂƐŬųĂĚŬŝƵďĞnjƉŝĞĐnjĞŶŝŽǁĞũ
ůƵď
5. Typ Umowy ubezpieczenia
ĂƌĚŝĨ ƐƐƵƌĂŶĐĞƐ ZŝƐƋƵĞƐ ŝǀĞƌƐ ^͘͘ KĚĚnjŝĂų ǁ WŽůƐĐĞ
ǁ njĂŬƌĞƐŝĞ ƌLJnjLJŬĂ ƵƚƌĂƚLJ ƉƌĂĐLJ ŽƌĂnj njĂƉĞǁŶŝĞŶŝĂ ĚŽƐƚħƉƵ
ĚŽ _ǁŝĂĚĐnjĞŷ ƐƐŝƐƚĂŶĐĞ͕ ŽďŝĞ ƐƉſųŬŝ njǁĂŶĞ ĚĂůĞũ͗
hďĞnjƉŝĞĐnjLJĐŝĞůďČĚǍĂƌĚŝĨ
/ŶĚLJǁŝĚƵĂůŶĂhŵŽǁĂƵďĞnjƉŝĞĐnjĞŶŝĂ
ϲ͘ tĂƌƵŶŬŝnjĂǁĂƌĐŝĂůƵďƉƌnjLJƐƚČƉŝĞŶŝĂĚŽ
Ubezpieczenia
2. Rola Banku
ŐĞŶƚ Ͳ sŽůŬƐǁĂŐĞŶ ĂŶŬ WŽůƐŬĂ ^͘͘ nj ƐŝĞĚnjŝďČ ƉƌnjLJ Ƶů͘
ZŽŶĚŽ KE ϭ͕ ϬϬͲϭϮϰ͕ tĂƌƐnjĂǁĂ Ͳ ǁLJŬŽŶƵũČĐLJ ǁ ŝŵŝĞŶŝƵ
ŝŶĂƌnjĞĐnjhďĞnjƉŝĞĐnjLJĐŝĞůĂĐnjLJŶŶŽƑĐŝĂŐĞŶĐLJũŶĞƉŽůĞŐĂũČĐĞ
ǁƐnjĐnjĞŐſůŶŽƑĐŝŶĂnjĂǁŝĞƌĂŶŝƵŝŽďƐųƵĚnjĞƵďĞnjƉŝĞĐnjĞŷ
3. Ubezpieczony
hďĞnjƉŝĞĐnjŽŶLJŵŵŽǏĞďLJđhďĞnjƉŝĞĐnjĂũČĐLJůƵď<ƌĞĚLJƚŽďŝŽƌĐĂ͕
ĐnjLJůŝ ŽƐŽďĂ ĮnjLJĐnjŶĂ͕ ǁ ƚLJŵ ŽƐŽďĂ ƉƌŽǁĂĚnjČĐĂ ǁųĂƐŶČ
ĚnjŝĂųĂůŶŽƑđ ŐŽƐƉŽĚĂƌĐnjČ͕ ďħĚČĐĂ ƌĞnjLJĚĞŶƚĞŵ ůƵď
ŽďLJǁĂƚĞůĞŵ ZnjĞĐnjLJƉŽƐƉŽůŝƚĞũ WŽůƐŬŝĞũ͕ ŬƚſƌĂ njĂǁĂƌųĂ
njsŽůŬƐǁĂŐĞŶĂŶŬWŽůƐŬĂ^͘hŵŽǁħŬƌĞĚLJƚƵ
KĐŚƌŽŶČ ƵďĞnjƉŝĞĐnjĞŶŝŽǁČ ŵŽǏĞƐnj njŽƐƚĂđ ŽďũħƚLJ ƉŽ
ƵŬŽŷĐnjĞŶŝƵ͕ ŶĂũƉſǍŶŝĞũ ǁ ŶŝƵ njĂǁĂƌĐŝĂ hŵŽǁLJ
hďĞnjƉŝĞĐnjĞŶŝĂ͕ϭϴƌŽŬƵǏLJĐŝĂŝƉƌnjĞĚƵŬŽŷĐnjĞŶŝĞŵ;ůŝĐnjČĐ nj
ŽŬƌĞƐĞŵƚƌǁĂŶŝĂhŵŽǁLJͿϳϮ͘ƌŽŬƵǏLJĐŝĂ͘
ďLJnjĂǁƌnjĞđhŵŽǁħƵďĞnjƉŝĞĐnjĞŶŝĂŵƵƐŝƐnjnjĂǁƌnjĞđhŵŽǁħ
ŬƌĞĚLJƚƵ nj sŽůŬƐǁĂŐĞŶ ĂŶŬ WŽůƐŬĂ ^͘͘ ŵĂŬƐLJŵĂůŶŝĞ ŶĂ
ϮϱϬ ϬϬϬ njų͕ ƉŽĚƉŝƐĂđ tŶŝŽƐŬŽƉŽůŝƐħ͕ Ă ƚĂŬǏĞ ŽƉųĂĐŝđ
ƐŬųĂĚŬħ͘
7. Zakres Ochrony ubezpieczeniowej
Lp.
PAKIETY
ZAKRES*
A1
A2
A3
ϭ͘
ŐŽŶ
x
x
x
Ϯ͘
EŝĞnjĚŽůŶŽƑđĚŽƉƌĂĐLJ
x
x
ϯ͘
WŽǁĂǏŶĞnjĂĐŚŽƌŽǁĂŶŝĞ
x
ϰ͘
WŽďLJƚǁƐnjƉŝƚĂůƵ
x
x
x
Ύ t ƉƌnjLJƉĂĚŬƵ ŬĂǏĚĞŐŽ nj ǁLJŵŝĞŶŝŽŶLJĐŚ ƉŽǁLJǏĞũ ϯ WĂŬŝĞƚſǁ ǁ njĂůĞǏŶŽƑĐŝ ŽĚ ƐƚĂƚƵƐƵ njĂƚƌƵĚŶŝĞŶŝĂ ĂŬƚƵĂůŶĞŐŽ ŶĂ ĚnjŝĞŷ
njĂǁŝĞƌĂŶŝĂhŵŽǁLJƵďĞnjƉŝĞĐnjĞŶŝĂŽďũħƚLJũĞƐƚĞƑŽĐŚƌŽŶČnjƚLJƚƵųƵ͗
ͻ Utraty pracy Ͳ ǁ ƉƌnjLJƉĂĚŬƵ͕ ŐĚLJ ƉƌŽǁĂĚnjŝƐnj ǁųĂƐŶČ ĚnjŝĂųĂůŶŽƑđ ŐŽƐƉŽĚĂƌĐnjČ ůƵď ŐĚLJ ƵnjLJƐŬƵũĞƐnj ĚŽĐŚſĚ nj ƚLJƚƵųƵ
ƵŵŽǁLJŽƉƌĂĐħ͕ƐƚŽƐƵŶŬƵƐųƵǏďŽǁĞŐŽnjĂǁĂƌƚLJĐŚŶĂĐnjĂƐŶŝĞŽŬƌĞƑůŽŶLJůƵďŽŬƌĞƑůŽŶLJĚųƵǏƐnjLJŶŝǏĐnjĂƐƚƌǁĂŶŝĂhŵŽǁLJ
ŬƌĞĚLJƚƵ ůƵď nj ƚLJƚƵųƵ ŬŽŶƚƌĂŬƚƵ ŵĞŶĂĚǏĞƌƐŬŝĞŐŽ͕ ƵŵŽǁLJ njůĞĐĞŶŝĂ njĂǁĂƌƚLJĐŚ ŶĂ ĐnjĂƐ ǁLJŬŽŶĂŶŝĂ ŽŬƌĞƑůŽŶĞũ ƉƌĂĐLJ
njƚĞƌŵŝŶĞŵǁLJŐĂƑŶŝħĐŝĂƉƌnjLJƉĂĚĂũČĐLJŵƉŽĚĂĐŝĞƐƉųĂƚLJ<ƌĞĚLJƚƵnjŐŽĚŶŝĞnj,ĂƌŵŽŶŽŐƌĂŵĞŵŽƌĂnjnjŽĚƉŽǁŝĞĚŶŝŵŝ
ƉƌnjĞƉŝƐĂŵŝƉƌĂǁĂƉŽůƐŬŝĞŐŽ͕
ͻ WŽďLJƚƵǁƐnjƉŝƚĂůƵǁƐŬƵƚĞŬŶŝĞƐnjĐnjħƑůŝǁĞŐŽǁLJƉĂĚŬƵͲ ǁƉƌnjLJƉĂĚŬƵŽƐſďŶŝĞŬǁĂůŝĮŬƵũČĐLJĐŚƐŝħĚŽnjĂŬƌĞƐƵŽĐŚƌŽŶLJ
njƚLJƚƵųƵhƚƌĂƚLJƉƌĂĐLJ͘
EŝĞnjĂůĞǏŶŝĞŽĚǁLJďƌĂŶĞŐŽWĂŬŝĞƚƵƵƉƌĂǁŶŝŽŶLJũĞƐƚĞƑĚŽŬŽƌnjLJƐƚĂŶŝĂnjĞ_ǁŝĂĚĐnjĞŷAssistance͘
8. _ǁŝĂĚĐnjĞŶŝĞhďĞnjƉŝĞĐnjLJĐŝĞůĂŝnjĂƐĂĚLJƵƐƚĂůĂŶŝĂũĞŐŽǁLJƐŽŬŽƑĐŝ
tƉƌnjLJƉĂĚŬƵǁLJƐƚČƉŝĞŶŝĂĚĂƌnjĞŶŝĂƵďĞnjƉŝĞĐnjĞŶŝŽǁĞŐŽnjŽƐƚĂŶŝĞŝǁLJƉųĂĐŽŶĞ͗
W</dz ZE/hW/E/Kt
ŐŽŶ
ϳϬйƐƵŵLJƵďĞnjƉŝĞĐnjĞŶŝĂʹũĞĚŶŽƌĂnjŽǁŽ
EŝĞnjĚŽůŶŽƑđĚŽƉƌĂĐLJ
ϳϬйƐƵŵLJƵďĞnjƉŝĞĐnjĞŶŝĂʹũĞĚŶŽƌĂnjŽǁŽΎ
WŽǁĂǏŶĞnjĂĐŚŽƌŽǁĂŶŝĞ
:ĞĚŶŽƌĂnjŽǁĞƑǁŝĂĚĐnjĞŶŝĞ͕ŬƚſƌĞŐŽǁLJƐŽŬŽƑđƵƐƚĂůĂŶĂũĞƐƚŶĂĚnjŝĞŷ͕ǁ
ŬƚſƌLJŵƌŽnjƉŽnjŶĂŶŽĐŚŽƌŽďħůƵďƉƌnjĞƉƌŽǁĂĚnjŽŶŽnjĂďŝĞŐ͕ǁnjĂůĞǏŶŽƑĐŝŽĚ
ƌŽĚnjĂũƵWŽǁĂǏŶĞŐŽnjĂĐŚŽƌŽǁĂŶŝĂ͘
ŐŽŶ
ϴϬйƐƵŵLJƵďĞnjƉŝĞĐnjĞŶŝĂͲũĞĚŶŽƌĂnjŽǁŽ
EŝĞnjĚŽůŶŽƑđĚŽƉƌĂĐLJ
ϴϬйƐƵŵLJƵďĞnjƉŝĞĐnjĞŶŝĂʹũĞĚŶŽƌĂnjŽǁŽΎ
ŐŽŶ
ϭϬϬйƐƵŵLJƵďĞnjƉŝĞĐnjĞŶŝĂͲũĞĚŶŽƌĂnjŽǁĞ
ϭ
Ϯ
ϯ
tzWBd_t/E/
:ĞǏĞůŝƐƚƌĂĐŝƐnjƉƌĂĐħ͕ŽƚƌnjLJŵĂƐnjƑǁŝĂĚĐnjĞŶŝĞŵŝĞƐŝħĐnjŶĞ͕ŬƚſƌĞŐŽǁLJƐŽŬŽƑđ
ŽŬƌĞƑůŽŶĂďħĚnjŝĞǁnjĂůĞǏŶŽƑĐŝŽĚƌŽĚnjĂũƵŬƌĞĚLJƚƵ͕ũĞĚŶĂŬŵĂŬƐLJŵĂůŶĂǁLJͲ
ƐŽŬŽƑđƑǁŝĂĚĐnjĞŶŝĂŵŝĞƐŝħĐnjŶĞŐŽǁLJŶŽƐŝϯϬϬϬW>E͘
ƚLJƚƵųƵũĞĚŶĞŐŽnjĚĂƌnjĞŶŝĂhƚƌĂƚLJƉƌĂĐLJhďĞnjƉŝĞĐnjLJĐŝĞůǁLJƉųĂĐŝŝŵĂŬƐLJŵĂůͲ
nie 6 ƑǁŝĂĚĐnjĞŷŵŝĞƐŝħĐnjŶLJĐŚ͘
hƚƌĂƚĂƉƌĂĐLJ
WŽďLJƚǁƐnjƉŝƚĂůƵʹ_ǁŝĂĚĐnjĞŶŝĞŵŝĞƐŝħĐnjŶĞ͕ŬƚſƌĞŐŽǁLJƐŽŬŽƑđŽŬƌĞƑůŽŶĂũĞƐƚ
ǁnjĂůĞǏŶŽƑĐŝŽĚƌŽĚnjĂũƵŬƌĞĚLJƚƵ͕ũĞĚŶĂŬŵĂŬƐLJŵĂůŶĂǁLJƐŽŬŽƑđƑǁŝĂĚĐnjĞŶŝĂ
ŵŝĞƐŝħĐnjŶĞŐŽǁLJŶŽƐŝϯϬϬϬW>E͘
ƚLJƚƵųƵũĞĚŶĞŐŽnjĚĂƌnjĞŶŝĂWŽďLJƚƵǁƐnjƉŝƚĂůƵhďĞnjƉŝĞĐnjLJĐŝĞůǁLJƉųĂĐŝŝŵĂŬͲ
ƐLJŵĂůŶŝĞϲƑǁŝĂĚĐnjĞŷŵŝĞƐŝħĐnjŶLJĐŚ͘
WŽďLJƚǁƐnjƉŝƚĂůƵʹ_ǁŝĂĚĐnjĞŶŝĞŵŝĞƐŝħĐnjŶĞ͕ŬƚſƌĞŐŽǁLJƐŽŬŽƑđŽŬƌĞƑůŽŶĂũĞƐƚ
ǁnjĂůĞǏŶŽƑĐŝŽĚƌŽĚnjĂũƵŬƌĞĚLJƚƵ͕ũĞĚŶĂŬŵĂŬƐLJŵĂůŶĂǁLJƐŽŬŽƑđƑǁŝĂĚĐnjĞŶŝĂ
ŵŝĞƐŝħĐnjŶĞŐŽǁLJŶŽƐŝϯϬϬϬW>E͘
WŽďLJƚǁƐnjƉŝƚĂůƵǁƐŬƵƚĞŬŶŝĞͲ
ƐnjĐnjħƑůŝǁĞŐŽǁLJƉĂĚŬƵ
ƚLJƚƵųƵũĞĚŶĞŐŽnjĚĂƌnjĞŶŝĂWŽďLJƚƵǁƐnjƉŝƚĂůƵhďĞnjƉŝĞĐnjLJĐŝĞůǁLJƉųĂĐŝŝŵĂŬͲ
ƐLJŵĂůŶŝĞϲ_ǁŝĂĚĐnjĞŷŵŝĞƐŝħĐnjŶLJĐŚ͘
WŽďLJƚƵǁƐnjƉŝƚĂůƵǁƐŬƵƚĞŬŶŝĞƐnjĐnjħƑůŝǁĞŐŽǁLJƉĂĚŬƵʹ_ǁŝĂĚĐnjĞŶŝĞŵŝĞͲ
ƐŝħĐnjŶĞ͕ŬƚſƌĞŐŽǁLJƐŽŬŽƑđŽŬƌĞƑůŽŶĂũĞƐƚǁnjĂůĞǏŶŽƑĐŝŽĚƌŽĚnjĂũƵŬƌĞĚLJƚƵ͕
ŶŝĞǁŝħĐĞũŶŝǏϯϬϬϬW>E͘
ΎtLJƐŽŬŽƑđ_ǁŝĂĚĐnjĞŶŝĂnjƚLJƚƵųƵEŝĞnjĚŽůŶŽƑĐŝĚŽƉƌĂĐLJƵƐƚĂůĂŶĂũĞƐƚŶĂĚnjŝĞŷǁƐŬĂnjĂŶLJǁKƌnjĞĐnjĞŶŝƵũĂŬŽĚnjŝĞŷǁLJƐƚČƉŝĞŶŝĂ
ŶŝĞnjĚŽůŶŽƑĐŝĚŽƉƌĂĐLJŝƐĂŵŽĚnjŝĞůŶĞũĞŐnjLJƐƚĞŶĐũŝ͕ĂǁƉƌnjLJƉĂĚŬƵŶŝĞǁƐŬĂnjĂŶŝĂƚĞŐŽĚŶŝĂǁKƌnjĞĐnjĞŶŝƵ͕ǁLJƐŽŬŽƑđ_ǁŝĂĚĐnjĞŶŝĂ
ƵƐƚĂůĂŶĂũĞƐƚŶĂĚnjŝĞŷ͕ǁŬƚſƌLJŵǁLJĚĂŶĞnjŽƐƚĂųŽƉƌnjĞnjůĞŬĂƌnjĂŽƌnjĞĐnjŶŝŬĂh^ůƵďůĞŬĂƌnjĂƌnjĞĐnjŽnjŶĂǁĐħ<Zh^KƌnjĞĐnjĞŶŝĞ
ŽŬƌĞƑůĂũČĐĞƐƚĂŶnjĚƌŽǁŝĂhďĞnjƉŝĞĐnjŽŶĞŐŽũĂŬŽŶŝĞnjĚŽůŶŽƑđĚŽƉƌĂĐLJŝƐĂŵŽĚnjŝĞůŶĞũĞŐnjLJƐƚĞŶĐũŝ͘
ϵ͘ ^ŬųĂĚŬĂƵďĞnjƉŝĞĐnjĞŶŝŽǁĂ
ͻ ^ŬųĂĚŬĂƉųĂƚŶĂũĞƐƚũĞĚŶŽƌĂnjŽǁŽnjĂĐĂųLJKŬƌĞƐƵďĞnjƉŝĞĐnjĞŶŝĂŝnjĂůĞǏLJŽĚǁLJƐŽŬŽƑĐŝƵĚnjŝĞůŽŶĞŐŽ<ƌĞĚLJƚƵ͘
ͻ ^ŬųĂĚŬħŶĂůĞǏLJŽƉųĂĐŝđǁŶŝƵƌŽnjƉŽĐnjħĐŝĂKĐŚƌŽŶLJƵďĞnjƉŝĞĐnjĞŶŝŽǁĞũ͘
ͻ tƉƌnjLJƉĂĚŬƵǁLJŐĂƑŶŝħĐŝĂKĐŚƌŽŶLJƵďĞnjƉŝĞĐnjĞŶŝŽǁĞũƉƌnjĞĚƵƉųLJǁĞŵKŬƌĞƐƵƵďĞnjƉŝĞĐnjĞŶŝĂ͕ďħĚnjŝĞŝƉƌnjLJƐųƵŐŝǁĂų
njǁƌŽƚƐŬųĂĚŬŝnjĂŽŬƌĞƐŶŝĞǁLJŬŽƌnjLJƐƚĂŶĞũKĐŚƌŽŶLJƵďĞnjƉŝĞĐnjĞŶŝŽǁĞũ͘
10. Suma ubezpieczenia
ͻ tƉƌnjLJƉĂĚŬƵ͕ŐĚLJŽĐŚƌŽŶČƵďĞnjƉŝĞĐnjĞŶŝŽǁČnjƚLJƚƵųƵĚĂŶĞũhŵŽǁLJŬƌĞĚLJƚƵŽďũħƚLJĐŚnjŽƐƚĂųŽǁŝħĐĞũ<ƌĞĚLJƚŽďŝŽƌĐſǁ
ŶŝǏũĞĚĞŶ͕ƐƵŵĂƵďĞnjƉŝĞĐnjĞŶŝĂƵůĞŐĂƉŽĚnjŝĂųŽǁŝƉƌŽƉŽƌĐũŽŶĂůŶŝĞĚŽůŝĐnjďLJŽƐſďŽďũħƚLJĐŚŽĐŚƌŽŶČƵďĞnjƉŝĞĐnjĞŶŝŽǁČ͘
ͻ ^ƵŵĂ ƵďĞnjƉŝĞĐnjĞŶŝĂ ƵƐƚĂůĂŶĂ ũĞƐƚ ŽĚƌħďŶŝĞ ǁ ŽĚŶŝĞƐŝĞŶŝƵ ĚŽ ŬĂǏĚĞŐŽ njĚĂƌnjĞŶŝĂ ƵďĞnjƉŝĞĐnjĞŶŝŽǁĞŐŽ͘ tLJŶŽƐŝ ŽŶĂ
ŵĂŬƐLJŵĂůŶŝĞ͗
Lp.
ZDARZENIE UBEZPIECZENIOWE
SUMA UBEZPIECZENIA
ĂͿ
ϭ͘
ŐŽŶ
Ϯ͘
EŝĞnjĚŽůŶŽƑđĚŽƉƌĂĐLJ
ZſǁŶŽǁĂƌƚŽƑđŬǁŽƚLJŬĂƉŝƚĂųƵŬƌĞĚLJƚƵƵĚnjŝĞůŽŶĞŐŽhďĞnjƉŝĞĐnjŽŶĞͲ
ŵƵ͕ǁƌĂnjnjĞƐŬƌĞĚLJƚŽǁĂŶČƉƌŽǁŝnjũČďĂŶŬŽǁČ͕ŽĚƐĞƚŬĂŵŝǁLJŶŝŬĂͲ
ũČĐLJŵŝ nj ,ĂƌŵŽŶŽŐƌĂŵƵ͕ nj ŬĂƉŝƚĂųĞŵ ƐŬƌĞĚLJƚŽǁĂŶĞũ ^ŬųĂĚŬŝ ŽƌĂnj
ųČĐnjŶŝĞnjŝŶŶLJŵŝŬŽƐnjƚĂŵŝnjǁŝČnjĂŶLJŵŝnjƵĚnjŝĞůĞŶŝĞŵŬƌĞĚLJƚƵʹƉŽͲ
njŽƐƚĂũČĐĞŵƵĚŽƐƉųĂƚLJǁŶŝƵnjĂũƑĐŝĂnjĚĂƌnjĞŶŝĂ͕njŐŽĚŶŝĞnj,ĂƌŵŽͲ
ŶŽŐƌĂŵĞŵ ʹ ǁ ƉƌnjLJƉĂĚŬƵ ŬƌĞĚLJƚƵ;ſǁͿ Ž ųČĐnjŶĞũ ŬǁŽĐŝĞ ŬĂƉŝƚĂųƵ
ŶŝĞƉƌnjĞŬƌĂĐnjĂũČĐĞũ ǁ ŶŝƵ njĂǁĂƌĐŝĂ hŵŽǁLJ ƵďĞnjƉŝĞĐnjĞŶŝĂ ŬǁŽƚLJ
ϮϱϬϬϬϬW>E;ĚůĂũĞĚŶĞũŽƐŽďLJͿ͖
ďͿ ƉƌŽĐĞŶƚ ^ƵŵLJ ƵďĞnjƉŝĞĐnjĞŶŝĂ͕ ŽŬƌĞƑůŽŶĞũ ƉŽǁLJǏĞũ ƌſǁŶĞŵƵ
ƐƚŽƐƵŶŬŽǁŝ ŬǁŽƚLJ ϮϱϬ ϬϬϬ W>E ĚŽ ųČĐnjŶĞũ ŬǁŽƚLJ ŬĂƉŝƚĂųƵ ʹ ǁ
ƉƌnjLJƉĂĚŬƵ ŬƌĞĚLJƚƵ;ſǁͿ Ž ųČĐnjŶĞũ ŬǁŽĐŝĞ ŬĂƉŝƚĂųƵ ƉƌnjĞŬƌĂĐnjĂũČĐĞũ
ǁ ŶŝƵ njĂǁĂƌĐŝĂ hŵŽǁLJ ƵďĞnjƉŝĞĐnjĞŶŝĂ ŬǁŽƚLJ ϮϱϬ ϬϬϬ W>E ;ĚůĂ
ũĞĚŶĞũŽƐŽďLJͿ͘
ĂͿ
ϯ͘
WŽǁĂǏŶĞ
njĂĐŚŽƌŽǁĂŶŝĞ
ǁ ƉƌnjLJƉĂĚŬƵ ŬƌĞĚLJƚſǁ ƐƚĂŶĚĂƌĚŽǁLJĐŚ ʹ ϲͲŬƌŽƚŶŽƑĐŝ ZĂƚLJ ŬƌĞĚLJͲ
ƚƵnjŐŽĚŶŝĞnj,ĂƌŵŽŶŽŐƌĂŵĞŵ͕ũĞĚŶĂŬŶŝĞǁŝħĐĞũŶŝǏƉŽnjŽƐƚĂųĞĚŽ
ƐƉųĂƚLJ njĂĚųƵǏĞŶŝĞ njŐŽĚŶŝĞ nj ƚLJŵ ,ĂƌŵŽŶŽŐƌĂŵĞŵ͕ ůŝĐnjČĐ ŽĚ ĚŶŝĂ
njĂũƑĐŝĂWŽǁĂǏŶĞŐŽnjĂĐŚŽƌŽǁĂŶŝĂ͕
ŬƌĞĚLJƚ;LJͿŽųČĐnjŶĞũ
ďͿ ǁƉƌnjLJƉĂĚŬƵŬƌĞĚLJƚſǁnjƌĂƚČďĂůŽŶŽǁČʹϲͲŬƌŽƚŶŽƑĐŝZĂƚLJŬƌĞĚLJƚƵ͕
ŬǁŽĐŝĞŬĂƉŝƚĂųƵŶŝĞͲ
ƉƌnjLJƉĂĚĂũČĐĞũ ĚŽ njĂƉųĂƚLJ ďĞnjƉŽƑƌĞĚŶŝŽ ƉŽ ŶŝƵ njĂũƑĐŝĂ njĚĂƌnjĞŶŝĂ͕
ƉƌnjĞŬƌĂĐnjĂũČĐĞũǁ
njŐŽĚŶŝĞ nj ,ĂƌŵŽŶŽŐƌĂŵĞŵ͕ ũĞĚŶĂŬ ŶŝĞ ǁŝħĐĞũ ŶŝǏ ƉŽnjŽƐƚĂųĞ ĚŽ
ŶŝƵnjĂǁĂƌĐŝĂhŵŽǁLJ
ƐƉųĂƚLJnjĂĚųƵǏĞŶŝĞ͘tƉƌnjLJƉĂĚŬƵ͕ŐĚLJǁ,ĂƌŵŽŶŽŐƌĂŵŝĞǁLJƐƚħƉƵũĞ
ƵďĞnjƉŝĞĐnjĞŶŝĂŬǁŽƚLJ
ƌĂƚĂďĂůŽŶŽǁĂ͕ũĞũŬǁŽƚĂŶŝĞũĞƐƚƉŽĚƐƚĂǁČĚŽƵƐƚĂůĞŶŝĂǁLJƐŽŬŽƑĐŝ
ϮϱϬϬϬϬW>E;ĚůĂũĞĚͲ
ƐƵŵLJƵďĞnjƉŝĞĐnjĞŶŝĂ͕
ŶĞũŽƐŽďLJͿ
ĐͿ ǁƉƌnjLJƉĂĚŬƵŬƌĞĚLJƚſǁnjƌŽĐnjŶLJŵŝƌĂƚĂŵŝʹϲͲŬƌŽƚŶŽƑĐŝŬǁŽƚLJǁLJͲ
ŶŝŬĂũČĐĞũnjŝůŽƌĂnjƵƐƵŵLJŬǁŽƚLJŬƌĞĚLJƚƵǁƌĂnjnjŽĚƐĞƚŬĂŵŝnjŐŽĚŶŝĞnj
,ĂƌŵŽŶŽŐƌĂŵĞŵŽƌĂnjůŝĐnjďLJŵŝĞƐŝħĐLJƚƌǁĂŶŝĂŬƌĞĚLJƚƵ͘
ŬƌĞĚLJƚ;LJͿŽųČĐnjŶĞũ
ŬǁŽĐŝĞŬĂƉŝƚĂųƵƉƌnjĞͲ
ŬƌĂĐnjĂũČĐĞũǁŶŝƵ
njĂǁĂƌĐŝĂhŵŽǁLJ
ƵďĞnjƉŝĞĐnjĞŶŝĂŬǁŽƚħ
ϮϱϬϬϬϬW>E;ĚůĂũĞĚͲ
ŶĞũŽƐŽďLJͿ
ϰ͘
hƚƌĂƚĂƉƌĂĐLJŝWŽďLJƚǁƐnjƉŝƚĂůƵ
ϱ͘
WŽďLJƚǁƐnjƉŝƚĂůƵŝWŽďLJƚǁƐnjƉŝƚĂůƵ
ǁƐŬƵƚĞŬŶŝĞƐnjĐnjħƑůŝǁĞŐŽǁLJƉĂĚŬƵ
WƌŽĐĞŶƚƐƵŵLJƵďĞnjƉŝĞĐnjĞŶŝĂ͕ŽŬƌĞƑůŽŶĞũǁƉŽǁLJǏƐnjLJŵŽŬŶŝĞ͕ƌſǁŶLJ
ƐƚŽƐƵŶŬŽǁŝŬǁŽƚLJϮϱϬϬϬϬW>EĚŽųČĐnjŶĞũŬǁŽƚLJŬĂƉŝƚĂųƵ͘
ĂͿ
ƌſǁŶŽǁĂƌƚŽƑđϲͲĐŝƵ_ǁŝĂĚĐnjĞŷŵŝĞƐŝħĐnjŶLJĐŚǁŽŬƌĞƐŝĞϭϮŵŝĞƐŝħĐLJ
ƚƌǁĂŶŝĂKĐŚƌŽŶLJƵďĞnjƉŝĞĐnjĞŶŝĂ͕ũĞĚŶĂŬŶŝĞŵŽǏĞƉƌnjĞŬƌŽĐnjLJđŬǁŽͲ
ƚLJϭϴϬϬϬW>E͕
ďͿ ƌſǁŶŽǁĂƌƚŽƑđ ϭϮͲƐƚƵ _ǁŝĂĚĐnjĞŷ ŵŝĞƐŝħĐnjŶLJĐŚ ǁ ĐĂųLJŵ ŽŬƌĞƐŝĞ
ƚƌǁĂŶŝĂKĐŚƌŽŶLJƵďĞnjƉŝĞĐnjĞŶŝĂ͕ũĞĚŶĂŬŶŝĞŵŽǏĞƉƌnjĞŬƌŽĐnjLJđŬǁŽͲ
ƚLJϯϲϬϬϬW>E͘
11. Okres ochrony ubezpieczeniowej
ͻ KĐŚƌŽŶĂƵďĞnjƉŝĞĐnjĞŶŝŽǁĂƌŽnjƉŽĐnjLJŶĂƐŝħǁŶŝƵ
ƵƌƵĐŚŽŵŝĞŶŝĂŬƌĞĚLJƚƵ͘
ͻ KĐŚƌŽŶĂƵďĞnjƉŝĞĐnjĞŶŝŽǁĂŬŽŷĐnjLJƐŝħ͗
А ǁŽƐƚĂƚŶŝŵĚŶŝƵŵŝĞƐŝČĐĂ͕ǁŬƚſƌLJŵŬŽŷĐnjLJƐŝħKŬƌĞƐ
ƵďĞnjƉŝĞĐnjĞŶŝĂƚƌǁĂũČĐLJŵĂŬƐLJŵĂůŶŝĞϴϰŵŝĞƐŝČĐĞ͖
А ǁĚŶŝƵnjŐŽŶƵhďĞnjƉŝĞĐnjŽŶĞŐŽ͖
А ǁ ĚŶŝƵ ǁLJƉųĂƚLJ ƑǁŝĂĚĐnjĞŶŝĂ ƵďĞnjƉŝĞĐnjĞŶŝŽǁĞŐŽ
nj ƚLJƚƵųƵ EŝĞnjĚŽůŶŽƑĐŝ ĚŽ ƉƌĂĐLJ ůƵď WŽǁĂǏŶĞŐŽ
njĂĐŚŽƌŽǁĂŶŝĂǁǁLJƐŽŬŽƑĐŝ^ƵŵLJƵďĞnjƉŝĞĐnjĞŶŝĂ͖
А ǁ ĚŶŝƵ ǁLJƉųĂƚLJ ųČĐnjŶŝĞ ϭϮͲŶĂƐƚƵ _ǁŝĂĚĐnjĞŷ
ŵŝĞƐŝħĐnjŶĞŐŽ ;ųČĐnjŶŝĞͿ nj ƚLJƚƵųƵ hƚƌĂƚLJ ƉƌĂĐLJ ůƵď
WŽďLJƚƵǁ^njƉŝƚĂůƵʹǁŽĚŶŝĞƐŝĞŶŝƵĚŽƵďĞnjƉŝĞĐnjĞŶŝĂ
ŶĂǁLJƉĂĚĞŬhƚƌĂƚLJƉƌĂĐLJŽƌĂnjWŽďLJƚƵǁ^njƉŝƚĂůƵ͖
А ǁ ĚŶŝƵ ǁLJƉųĂƚLJ ųČĐnjŶŝĞ ϭϮͲƐƚƵ _ǁŝĂĚĐnjĞŷ
ŵŝĞƐŝħĐnjŶLJĐŚ;ųČĐnjŶŝĞͿnjƚLJƚƵųƵWŽďLJƚƵǁ^njƉŝƚĂůƵůƵď
WŽďLJƚƵǁƐnjƉŝƚĂůƵǁƐŬƵƚĞŬŶŝĞƐnjĐnjħƑůŝǁĞŐŽǁLJƉĂĚŬƵ
ʹ ǁ ŽĚŶŝĞƐŝĞŶŝƵ ĚŽ ƵďĞnjƉŝĞĐnjĞŶŝĂ ŶĂ ǁLJƉĂĚĞŬ
WŽďLJƚƵ ǁ ^njƉŝƚĂůƵ ŽƌĂnj WŽďLJƚƵ ǁ ƐnjƉŝƚĂůƵ ǁƐŬƵƚĞŬ
ŶŝĞƐnjĐnjħƑůŝǁĞŐŽǁLJƉĂĚŬƵ͖
А ǁ ŽƐƚĂƚŶŝŵ ĚŶŝƵ ŵŝĞƐŝČĐĂ͕ ǁ ŬƚſƌLJŵ hďĞnjƉŝĞĐnjŽŶLJ
ƵŬŽŷĐnjLJųϳϮůĂƚĂ͖
А
А
А
А
А
А
А
ǁ ŽƐƚĂƚŶŝŵ ĚŶŝƵ ŵŝĞƐŝČĐĂ͕ ǁ ŬƚſƌLJŵ hďĞnjƉŝĞĐnjŽŶLJ
ƵŬŽŷĐnjLJųϲϱůĂƚʹǁŽĚŶŝĞƐŝĞŶŝƵĚŽŽĐŚƌŽŶLJnjƌLJnjLJŬĂ
hƚƌĂƚLJƉƌĂĐLJ͖
ǁĚŶŝƵ͕ǁŬƚſƌLJŵƐŬųĂĚŬĂďLJųĂǁLJŵĂŐĂůŶĂĚŽnjĂƉųĂƚLJ
ƉƌnjĞnjhďĞnjƉŝĞĐnjĂũČĐĞŐŽnjŐŽĚŶŝĞnjƉŽƐƚĂŶŽǁŝĞŶŝĂŵŝ
hŵŽǁLJ hďĞnjƉŝĞĐnjĞŶŝĂ ŽƌĂnj ŶŝĞ njŽƐƚĂųĂ ƉƌnjĞnj ŶŝĞŐŽ
ǁƉųĂĐŽŶĂ͖
nj ĚŶŝĞŵ ƵƉųLJǁƵ ŽŬƌĞƐƵ ǁLJƉŽǁŝĞĚnjĞŶŝĂ hŵŽǁLJ
hďĞnjƉŝĞĐnjĞŶŝĂnjųŽǏŽŶLJŵƉƌnjĞnjhďĞnjƉŝĞĐnjĂũČĐĞŐŽ͖
nj ĚŶŝĞŵ ƐŬƵƚĞĐnjŶĞŐŽ ŽĚƐƚČƉŝĞŶŝĂ ŽĚ hŵŽǁLJ
ƵďĞnjƉŝĞĐnjĞŶŝĂ͖
ǁĚŶŝƵŽĚƐƚČƉŝĞŶŝĂŽĚhŵŽǁLJŬƌĞĚLJƚƵ͖
ŽŐŽĚnj͘Ϯϰ͘ϬϬǁĚŶŝƵŽŬƌĞƑůŽŶLJŵǁ,ĂƌŵŽŶŽŐƌĂŵŝĞ
ũĂŬŽĚnjŝĞŷƐƉųĂƚLJŽƐƚĂƚŶŝĞũZĂƚLJŬƌĞĚLJƚƵ͖
ǁnjĂůĞǏŶŽƑĐŝ͕ŬƚſƌĞnjĞnjĚĂƌnjĞŷŶĂƐƚČƉŝƉŝĞƌǁƐnjĞ͘
ϭϮ͘
tLJųČĐnjĞŶŝĂŽĚƉŽǁŝĞĚnjŝĂůŶŽƑĐŝhďĞnjƉŝĞĐnjLJĐŝĞůĂ
ϭ͘
ŶĂƐƚħƉƐƚǁŝŬŽŶƐĞŬǁĞŶĐũŝǁLJƉĂĚŬſǁůƵďĐŚŽƌſďƐƚǁŝĞƌĚnjŽŶLJĐŚƉƌnjĞnjůĞͲ
ŬĂƌnjĂůƵďůĞĐnjŽŶLJĐŚǁŽŬƌĞƐŝĞϭϮŵŝĞƐŝħĐLJƉƌnjĞĚĚŶŝĞŵƌŽnjƉŽĐnjħĐŝĂŽĚƉŽͲ
ǁŝĞĚnjŝĂůŶŽƑĐŝhďĞnjƉŝĞĐnjLJĐŝĞůĂǁƉƌnjLJƉĂĚŬƵ͕ŐĚLJnjĚĂƌnjĞŶŝĞŽďũħƚĞŽĐŚƌŽŶČ x
ǁLJƐƚČƉŝǁĐŝČŐƵƉŝĞƌǁƐnjLJĐŚϮϰŵŝĞƐŝħĐLJŽĚĚĂƚLJŽďũħĐŝĂŽĐŚƌŽŶČƵďĞnjƉŝĞͲ
ĐnjĞŶŝŽǁČ
Ϯ͘
ƐĂŵŽďſũƐƚǁĂ͕ŬƚſƌĞŵŝĂųŽŵŝĞũƐĐĞǁĐŝČŐƵĚǁſĐŚƉŝĞƌǁƐnjLJĐŚůĂƚŽĚŽďũħͲ
ĐŝĂhďĞnjƉŝĞĐnjŽŶĞŐŽŽĐŚƌŽŶČƵďĞnjƉŝĞĐnjĞŶŝŽǁČ
ϯ͘
ĐnjLJŶŶĞŐŽƵĚnjŝĂųƵǁĚnjŝĂųĂŶŝĂĐŚǁŽũĞŶŶLJĐŚ͕ĚnjŝĂųĂŶŝĂĐŚnjďƌŽũŶLJĐŚ͕ĂŬƚLJǁͲ
ŶĞŐŽƵĚnjŝĂųƵǁnjĂŵŝĞƐnjŬĂĐŚ͕ƑǁŝĂĚŽŵĞŐŽŝĚŽďƌŽǁŽůŶĞŐŽƵĐnjĞƐƚŶŝĐƚǁĂ
x
ǁĂŬƚĂĐŚƉƌnjĞŵŽĐLJ͕ĐŚLJďĂǏĞƵĚnjŝĂųǁĂŬƚĂĐŚƉƌnjĞŵŽĐLJǁLJŶŝŬĂųnjĞƐƚĂŶƵ
ǁLJǏƐnjĞũŬŽŶŝĞĐnjŶŽƑĐŝůƵďŽďƌŽŶLJŬŽŶŝĞĐnjŶĞũ
x
ϰ͘
ƵƐŝųŽǁĂŶŝĂůƵďƉŽƉĞųŶŝĞŶŝĂƉƌnjĞƐƚħƉƐƚǁĂ
x
x
x
x
x
ϱ͘
ƉŽnjŽƐƚĂǁĂŶŝĂ hďĞnjƉŝĞĐnjŽŶĞŐŽ ƉŽĚ ǁƉųLJǁĞŵ ĂůŬŽŚŽůƵ͕ ŶĂƌŬŽƚLJŬſǁ ůƵď
ŝŶŶLJĐŚƑƌŽĚŬſǁƚŽŬƐLJĐnjŶLJĐŚůƵďƑƌŽĚŬſǁƉƐLJĐŚŽĂŬƚLJǁŶLJĐŚ;ƚnjǁ͘ĚŽƉĂůĂͲ
x
ĐnjLJͿnjĂǁLJũČƚŬŝĞŵůĞŬſǁnjĂǏLJǁĂŶLJĐŚŶĂnjůĞĐĞŶŝĞůĞŬĂƌnjĂŝǁƐƉŽƐſďƉƌnjĞnj
ŶŝĞŐŽnjůĞĐŽŶLJ
x
x
x
x
ϲ͘
njĚĂƌnjĞŶŝĂ njǁŝČnjĂŶĞŐŽ ďĞnjƉŽƑƌĞĚŶŝŽ njĞ ƐŬĂǏĞŶŝĞŵ ĐŚĞŵŝĐnjŶLJŵ ůƵď ƌĂͲ
ĚŝŽĂŬƚLJǁŶLJŵ ŶĂ ƐŬĂůħ ŵĂƐŽǁČ͕ ƐƉŽǁŽĚŽǁĂŶLJŵ ĚnjŝĂųĂŶŝĞŵ ďƌŽŶŝ ůƵď
x
ƵƌnjČĚnjĞŶŝĂ ǁLJŬŽƌnjLJƐƚƵũČĐĞŐŽ ĞŶĞƌŐŝħ ƌŽnjƐnjĐnjĞƉŝĞŶŝĂ ũČĚƌŽǁĞŐŽ ůƵď ƉƌŽͲ
ŵŝĞŶŝŽƚǁſƌĐnjŽƑđ
x
ϳ͘
ƵƉƌĂǁŝĂŶŝĂ ƉƌnjĞnj hďĞnjƉŝĞĐnjŽŶĞŐŽ ŶŝĞďĞnjƉŝĞĐnjŶLJĐŚ ƐƉŽƌƚſǁ͕ ĚŽ ŬƚſƌLJĐŚ
ŶĂůĞǏČ͗ ƐƉŽƌƚLJ ŵŽƚŽƌŽǁĞ ŽƌĂnj ŵŽƚŽƌŽǁŽĚŶĞ͕ ůŽƚŶŝĐnjĞ͕ ǁƐƉŝŶĂĐnjŬĂ ǁLJͲ
x
ƐŽŬŽŐſƌƐŬĂ ŝ ƐŬĂųŬŽǁĂ͕ ŶƵƌŬŽǁĂŶŝĞ nj ǁLJŬŽƌnjLJƐƚĂŶŝĞŵ ƐƉĞĐũĂůŝƐƚLJĐnjŶĞŐŽ
ƐƉƌnjħƚƵ͕ƐŬŽŬŝĚŽǁŽĚLJ͕ƐƉĂĚŽĐŚƌŽŶŽǁĞ͕ŶĂůŝŶŝĞ͕ƐƉŽƌƚLJǁĂůŬŝ
x
ϴ͘
ǁLJƉĂĚŬƵ ůŽƚŶŝĐnjĞŐŽ͕ nj ǁLJũČƚŬŝĞŵ ƉƌnjLJƉĂĚŬſǁ͕ ǁ ŬƚſƌLJĐŚ hďĞnjƉŝĞĐnjŽŶLJ
x
ďLJųƉĂƐĂǏĞƌĞŵůŝĐĞŶĐũŽŶŽǁĂŶLJĐŚůŝŶŝŝůŽƚŶŝĐnjLJĐŚ
ϵ͘
ƐĂŵŽŽŬĂůĞĐnjĞŶŝĂůƵďƵƐnjŬŽĚnjĞŶŝĂĐŝĂųĂŶĂƉƌŽƑďħhďĞnjƉŝĞĐnjŽŶĞŐŽ͕ŶŝĞnjĂͲ
ůĞǏŶŝĞŽĚƐƚĂŶƵũĞŐŽƉŽĐnjLJƚĂůŶŽƑĐŝ
x
ϭϬ͘
ŶĂƐƚħƉƐƚǁŝŬŽŶƐĞŬǁĞŶĐũŝĐŚŽƌſďůƵďǁLJƉĂĚŬſǁ͕ŽĚƉŽǁŝĞĚŶŝŽƌŽnjƉŽnjŶĂͲ
ŶLJĐŚůƵďůĞĐnjŽŶLJĐŚůƵďŵĂũČĐLJĐŚŵŝĞũƐĐĞ͕ƉƌnjĞĚĚŶŝĞŵŽďũħĐŝĂhďĞnjƉŝĞͲ
ĐnjŽŶĞŐŽŽĐŚƌŽŶČƵďĞnjƉŝĞĐnjĞŶŝŽǁČ
x
ϭϭ͘
ƉƌſďLJƐĂŵŽďſũƐƚǁĂ
hƚƌĂƚĂƉƌĂĐLJ
WŽǁĂǏŶĞ
njĂĐŚŽƌŽǁĂŶŝĞ
WŽďLJƚǁƐnjƉŝƚĂůƵ
ǁƐŬƵƚĞŬ
ŶŝĞƐnjĐnjħƑůŝǁĞŐŽ
ǁLJƉĂĚŬƵΎΎ
WZzzEWKt^dE/ZE/
WŽďLJƚǁƐnjƉŝƚĂůƵΎ
>Ɖ͘
EŝĞnjĚŽůŶŽƑđĚŽƉƌĂĐLJ
ZE/hW/E/Kt
ŐŽŶ
ŽĐŚƌŽŶLJƵďĞnjƉŝĞĐnjĞŶŝŽǁĞũǁLJųČĐnjŽŶĞƐČƉƌnjLJƉĂĚŬŝ͕ǁŬƚſƌLJĐŚĚĂƌnjĞŶŝĞnjŽƐƚĂųŽƐƉŽǁŽĚŽǁĂŶĞůƵďnjĂƐnjųŽǁƐŬƵƚĞŬ͗
P
x
K
x
D
x
E
P
x
x
x
K
E
x
I
x
‚
x
J
x
x
x
Ύ _ǁŝĂĚĐnjĞŶŝĞ ƵďĞnjƉŝĞĐnjĞŶŝŽǁĞ nj ƚLJƚƵųƵ WŽďLJƚƵ
hďĞnjƉŝĞĐnjŽŶĞŐŽǁ^njƉŝƚĂůƵŶŝĞnjŽƐƚĂŶŝĞǁLJƉųĂĐŽŶĞ͕ũĞǏĞůŝ
WŽďLJƚnjǁŝČnjĂŶLJďLJųnj͗
ĂͿ ƉƌnjĞďLJǁĂŶŝĞŵ ǁ njĂŬųĂĚnjŝĞ ŽƉŝĞŬƵŷĐnjŽͲůĞĐnjŶŝĐnjLJŵ͕
ŚŽƐƉŝĐũƵŵ͕ ĚŽŵƵ ŽƉŝĞŬŝ ƉŝĞůħŐŶŝĂƌƐŬŝĞũ ůƵď ĚųƵŐŽͲ
ƚĞƌŵŝŶŽǁĞũ͕ KƑƌŽĚŬƵ ĚůĂ ƉƐLJĐŚŝĐnjŶŝĞ ĐŚŽƌLJĐŚ ůƵď
ůĞĐnjĞŶŝĂ ŶĞƌǁŝĐ ůƵď njĂďƵƌnjĞŷ njĂĐŚŽǁĂŶŝĂ͕ KƑƌŽĚŬƵ
ůĞĐnjĞŶŝĂ ƵnjĂůĞǏŶŝĞŷ ůĞŬŽǁLJĐŚ͕ ŶĂƌŬŽƚLJŬŽǁLJĐŚ ůƵď
ĂůŬŽŚŽůŽǁLJĐŚ͕ KƑƌŽĚŬƵ njĂũŵƵũČĐLJŵ Ɛŝħ ƵƐƉƌĂǁŶŝĂͲ
ŶŝĞŵ͕ƌĞŚĂďŝůŝƚĂĐũČůƵďƌĞŬŽŶǁĂůĞƐĐĞŶĐũČ͕ƐĂŶĂƚŽƌŝƵŵ͕
ƵnjĚƌŽǁŝƐŬƵůƵďKƑƌŽĚŬƵǁLJƉŽĐnjLJŶŬŽǁLJŵ͕ŶĂǁĞƚ͕ũĞƑůŝ
ƐƚĂŶŽǁŝČŽƌŐĂŶŝnjĂĐLJũŶČĐnjħƑđ^njƉŝƚĂůĂ͕
ďͿ ƐƚĞƌLJůŝnjĂĐũČ͕ƐnjƚƵĐnjŶLJŵnjĂƉųŽĚŶŝĞŶŝĞŵ͕ůĞĐnjĞŶŝĞŵďĞnjͲ
ƉųŽĚŶŽƑĐŝ͕
ĐͿ ƉŽĚĚĂŶŝĂƐŝħƉƌnjĞnjhďĞnjƉŝĞĐnjŽŶĞŐŽŽƉĞƌĂĐũŝƉůĂƐƚLJĐnjͲ
ŶĞũůƵďŬŽƐŵĞƚLJĐnjŶĞũ͕ĐŚLJďĂǏĞďLJųĂŽŶĂŶŝĞnjďħĚŶĂǁ
ĐĞůƵƵƐƵŶŝħĐŝĂƐŬƵƚŬſǁEŝĞƐnjĐnjħƑůŝǁĞŐŽǁLJƉĂĚŬƵ͕ũĂͲ
ŬŝĞŵƵƵůĞŐųhďĞnjƉŝĞĐnjŽŶLJ͘
ΎΎ _ǁŝĂĚĐnjĞŶŝĞ ƵďĞnjƉŝĞĐnjĞŶŝŽǁĞ nj ƚLJƚƵųƵ WŽďLJƚƵ hďĞnjͲ
ƉŝĞĐnjŽŶĞŐŽ ǁ ^njƉŝƚĂůƵ ǁ ŶĂƐƚħƉƐƚǁŝĞ EŝĞƐnjĐnjħƑůŝǁĞŐŽ
ǁLJƉĂĚŬƵ ŶŝĞ njŽƐƚĂŶŝĞ ǁLJƉųĂĐŽŶĞ͕ ũĞǏĞůŝ WŽďLJƚ njǁŝČnjĂŶLJ
ďLJų nj ƉƌnjĞďLJǁĂŶŝĞŵ ǁ njĂŬųĂĚnjŝĞ ŽƉŝĞŬƵŷĐnjŽͲůĞĐnjŶŝĐnjLJŵ͕
ŚŽƐƉŝĐũƵŵ͕ĚŽŵƵŽƉŝĞŬŝƉŝĞůħŐŶŝĂƌƐŬŝĞũůƵďĚųƵŐŽƚĞƌŵŝŶŽͲ
ǁĞũ͕KƑƌŽĚŬƵĚůĂƉƐLJĐŚŝĐnjŶŝĞĐŚŽƌLJĐŚůƵďůĞĐnjĞŶŝĂŶĞƌǁŝĐ
ůƵď njĂďƵƌnjĞŷ njĂĐŚŽǁĂŶŝĂ͕ KƑƌŽĚŬƵ ůĞĐnjĞŶŝĂ ƵnjĂůĞǏŶŝĞŷ
ůĞŬŽǁLJĐŚ͕ŶĂƌŬŽƚLJŬŽǁLJĐŚůƵďĂůŬŽŚŽůŽǁLJĐŚ͕KƑƌŽĚŬƵnjĂũͲ
ŵƵũČĐLJŵƐŝħƵƐƉƌĂǁŶŝĂŶŝĞŵ͕ƌĞŚĂďŝůŝƚĂĐũČůƵďƌĞŬŽŶǁĂůĞͲ
ƐĐĞŶĐũČ͕ƐĂŶĂƚŽƌŝƵŵ͕ƵnjĚƌŽǁŝƐŬƵůƵďKƑƌŽĚŬƵǁLJƉŽĐnjLJŶͲ
ŬŽǁLJŵ͕ŶĂǁĞƚ͕ũĞƑůŝƐƚĂŶŽǁŝČŽƌŐĂŶŝnjĂĐLJũŶČĐnjħƑđ^njƉŝƚĂůĂ͘
W przypadku Utraty pracy Ubezpieczyciel nie ponosi odpoǁŝĞĚnjŝĂůŶŽƑĐŝ͕ũĞǏĞůŝƵƚƌĂƚĂƉƌĂĐLJŶĂƐƚČƉŝųĂǁƐŬƵƚĞŬ͗
ͲǁŽĚŶŝĞƐŝĞŶŝƵĚŽŽƐſďĮnjLJĐnjŶLJĐŚ͗
ͻ
ͻ
ͻ
ƌŽnjǁŝČnjĂŶŝĂ ƉƌnjĞnj hďĞnjƉŝĞĐnjŽŶĞŐŽ ƐƚŽƐƵŶŬƵ ƐųƵǏďŽͲ
ǁĞŐŽ͕ƵŵŽǁLJŽƉƌĂĐħ͕ŬŽŶƚƌĂŬƚƵŵĞŶĞĚǏĞƌƐŬŝĞŐŽůƵď
ƵŵŽǁLJnjůĞĐĞŶŝĂǁƌŽnjƵŵŝĞŶŝƵƉƌnjĞƉŝƐſǁƉƌĂǁĂƉƌĂĐLJ
ůƵď ŝŶŶLJĐŚ ƉƌnjĞƉŝƐſǁ ƉƌĂǁĂ ƌĞŐƵůƵũČĐLJĐŚ ĚĂŶLJ ƐƚŽƐƵͲ
ŶĞŬ͕ nj ǁLJųČĐnjĞŶŝĞŵ ƚƌLJďƵ ƌŽnjǁŝČnjĂŶŝĂ ƵŵŽǁLJ ƉƌnjĞnj
ƉƌĂĐŽǁŶŝŬĂďĞnjǁLJƉŽǁŝĞĚnjĞŶŝĂnjƉƌnjLJĐnjLJŶůĞǏČĐLJĐŚƉŽ
ƐƚƌŽŶŝĞƉƌĂĐŽĚĂǁĐLJǁƚƌLJďŝĞĂƌƚ͘ϱϱΑϭϭ<ŽĚĞŬƐƵWƌĂĐLJ͖
ƌŽnjǁŝČnjĂŶŝĂ ƐƚŽƐƵŶŬƵ ƐųƵǏďŽǁĞŐŽ͕ ƵŵŽǁLJ Ž ƉƌĂĐħ͕
ŬŽŶƚƌĂŬƚƵŵĞŶĞĚǏĞƌƐŬŝĞŐŽůƵďƵŵŽǁLJnjůĞĐĞŶŝĂnjĂƉŽͲ
ƌŽnjƵŵŝĞŶŝĞŵ ƐƚƌŽŶ͕ ǁ ƌŽnjƵŵŝĞŶŝƵ ƉƌnjĞƉŝƐſǁ ƉƌĂǁĂ
ƉƌĂĐLJ ůƵď ŝŶŶLJĐŚ ƉƌnjĞƉŝƐſǁ ƉƌĂǁĂ ƌĞŐƵůƵũČĐLJĐŚ ĚĂŶLJ
ƐƚŽƐƵŶĞŬ͕ĐŚLJďĂǏĞƉŽƌŽnjƵŵŝĞŶŝĞƐƚƌŽŶŶĂƐƚČƉŝųŽnjƉƌnjLJͲ
ĐnjLJŶ ŶŝĞĚŽƚLJĐnjČĐLJĐŚ ƉƌĂĐŽǁŶŝŬĂ nj ƉŽǁŽĚƵ ƵƉĂĚųŽƑĐŝ͕
ůŝŬǁŝĚĂĐũŝ ƉƌĂĐŽĚĂǁĐLJ ůƵď njŵŶŝĞũƐnjĞŶŝĂ njĂƚƌƵĚŶŝĞŶŝĂ
njƉƌnjLJĐnjLJŶĚŽƚLJĐnjČĐLJĐŚnjĂŬųĂĚƵƉƌĂĐLJ͕ĂƉŽƌŽnjƵŵŝĞŶŝĞ
ƐƚƌŽŶŵŝĂųŽŵŝĞũƐĐĞǁŽŬƌĞƐŝĞŽĚƉŽǁŝĞĚnjŝĂůŶŽƑĐŝhďĞnjͲ
ƉŝĞĐnjLJĐŝĞůĂnjƚLJƚƵųƵhƚƌĂƚLJƉƌĂĐLJ͖
ƌŽnjǁŝČnjĂŶŝĂƉƌnjĞnjƉƌĂĐŽĚĂǁĐħƵŵŽǁLJŽƉƌĂĐħnjhďĞnjͲ
ƉŝĞĐnjŽŶLJŵ ďĞnj ǁLJƉŽǁŝĞĚnjĞŶŝĂ͕ Ă ƚĂŬǏĞ ǁ njǁŝČnjŬƵ
nj ƌŽnjǁŝČnjĂŶŝĞŵ ƉƌnjĞnj ƉƌĂĐŽĚĂǁĐħ ůƵď njůĞĐĞŶŝŽĚĂǁĐħ
ŽĚƉŽǁŝĞĚŶŝŽ ƐƚŽƐƵŶŬƵ ƐųƵǏďŽǁĞŐŽ͕ ŬŽŶƚƌĂŬƚƵ ŵĞͲ
ŶĞĚǏĞƌƐŬŝĞŐŽ ůƵď ƵŵŽǁLJ njůĞĐĞŶŝĂ ǁ ǁLJŶŝŬƵ ƉƌnjLJĐnjLJŶ
njĂǁŝŶŝŽŶLJĐŚƉƌnjĞnjhďĞnjƉŝĞĐnjŽŶĞŐŽǁƌŽnjƵŵŝĞŶŝƵŬŽŶͲ
ƚƌĂŬƚƵŵĞŶĞĚǏĞƌƐŬŝĞŐŽ͕ƵŵŽǁLJnjůĞĐĞŶŝĂůƵďƉƌnjĞƉŝƐſǁ
ƉƌĂǁĂƌĞŐƵůƵũČĐLJĐŚĚĂŶLJƐƚŽƐƵŶĞŬƐųƵǏďŽǁLJ͕ĐŚLJďĂǏĞ
ƌŽnjǁŝČnjĂŶŝĞŶĂƐƚČƉŝųŽǁƐŬƵƚĞŬĚųƵŐŽƚƌǁĂųĞũĐŚŽƌŽďLJ͖
ͻ ǁLJŐĂƑŶŝħĐŝĂ ƵŵŽǁLJ Ž ƉƌĂĐħ͕ ƐƚŽƐƵŶŬƵ ƐųƵǏďŽǁĞŐŽ͕
ŬŽŶƚƌĂŬƚƵŵĞŶĞĚǏĞƌƐŬŝĞŐŽůƵďƵŵŽǁLJnjůĞĐĞŶŝĂ͖
ͻ ƌŽnjǁŝČnjĂŶŝĂƵŵŽǁLJŽƉƌĂĐħ͕ƐƚŽƐƵŶŬƵƐųƵǏďŽǁĞŐŽ͕ŬŽŶͲ
ƚƌĂŬƚƵŵĞŶĞĚǏĞƌƐŬŝĞŐŽůƵďƵŵŽǁLJnjůĞĐĞŶŝĂnjƵƉųLJǁĞŵ
okresu͕ŶĂũĂŬŝĞďLJųLJnjĂǁĂƌƚĞ͖
ͻ ƌŽnjǁŝČnjĂŶŝĂ ƐƚŽƐƵŶŬƵ ƐųƵǏďŽǁĞŐŽ͕ ƵŵŽǁLJ Ž ƉƌĂĐħ͕
ŬŽŶƚƌĂŬƚƵ ŵĞŶĞĚǏĞƌƐŬŝĞŐŽ ůƵď ƵŵŽǁLJ njůĞĐĞŶŝĂ͕ ŐĚLJ
hďĞnjƉŝĞĐnjŽŶLJ ŽƚƌnjLJŵĂų ǁLJƉŽǁŝĞĚnjĞŶŝĞ ƉƌnjĞĚ njĂǁĂƌͲ
ĐŝĞŵ hŵŽǁLJ ƵďĞnjƉŝĞĐnjĞŶŝĂ ůƵď ǁ ŽŬƌĞƐŝĞ ƉŝĞƌǁƐnjLJĐŚ
ϵϬĚŶŝŽĚnjĂǁĂƌĐŝĂhŵŽǁLJƵďĞnjƉŝĞĐnjĞŶŝĂ͖
Ͳ ǁ ƉƌnjLJƉĂĚŬƵ ŽƐſď ĮnjLJĐnjŶLJĐŚ ƉƌŽǁĂĚnjČĐLJĐŚ njŝĂųĂůŶŽƑđŐŽƐƉŽĚĂƌĐnjČ͗
ͻ
ͻ
ͻ
ƵƐŝųŽǁĂŶŝĂ ƉŽƉĞųŶŝĞŶŝĂ ůƵď ĚŽŬŽŶĂŶŝĂ ƉƌnjĞƐƚħƉƐƚǁĂ
ƉƌnjĞnjhďĞnjƉŝĞĐnjŽŶĞŐŽ͖
njĂƉƌnjĞƐƚĂŶŝĂ ƉƌŽǁĂĚnjĞŶŝĂ njŝĂųĂůŶŽƑĐŝ ŐŽƐƉŽĚĂƌĐnjĞũ
ƉƌnjĞnj hďĞnjƉŝĞĐnjŽŶĞŐŽ nj ŝŶŶLJĐŚ ƉŽǁŽĚſǁ ŶŝǏ ĞŬŽŶŽͲ
ŵŝĐnjŶĞ͖
njĂŬŽŷĐnjĞŶŝĂ ƉƌŽǁĂĚnjĞŶŝĂ njŝĂųĂůŶŽƑĐŝ ŐŽƐƉŽĚĂƌĐnjĞũ
ǁƐŬƵƚĞŬ ǁŶŝŽƐŬſǁ njųŽǏŽŶLJĐŚ ƉƌnjĞĚ ĚŶŝĞŵ njĂǁĂƌĐŝĂ
hŵŽǁLJ ƵďĞnjƉŝĞĐnjĞŶŝĂ ůƵď ǁ ŽŬƌĞƐŝĞ ƉŝĞƌǁƐnjLJĐŚ ϭϴϬ
ĚŶŝŽĚĚŶŝĂnjĂǁĂƌĐŝĂhŵŽǁLJƵďĞnjƉŝĞĐnjĞŶŝĂ͘
tƉƌnjLJƉĂĚŬƵ_ǁŝĂĚĐnjĞŷƐƐŝƐƚĂŶĐĞĚůĂŽƐſď͕ŬƚſƌĞhƚƌĂĐŝųLJ
ƉƌĂĐħ͕ hďĞnjƉŝĞĐnjLJĐŝĞů ŶŝĞ ƉŽŶŽƐŝ ŽĚƉŽǁŝĞĚnjŝĂůŶŽƑĐŝ͕ ũĞǏĞůŝ
hƚƌĂƚĂƉƌĂĐLJŶĂƐƚČƉŝųĂ͗
ϭ͘ ƉƌnjĞĚ ĚĂƚČ ŽďũħĐŝĂ hďĞnjƉŝĞĐnjŽŶĞŐŽ ŽĐŚƌŽŶČ ƵďĞnjƉŝĞͲ
ĐnjĞŶŝŽǁČ͕
Ϯ͘ ǁ njǁŝČnjŬƵ nj ƉŽƉĞųŶŝĞŶŝĞŵ ƉƌnjĞƐƚħƉƐƚǁĂ ǁ ƌŽnjƵŵŝĞŶŝƵ
<ŽĚĞŬƐƵ<ĂƌŶĞŐŽ͕ƉƌnjĞƐƚħƉƐƚǁĂƐŬĂƌďŽǁĞŐŽůƵďǁLJŬƌŽͲ
ĐnjĞŶŝĂƐŬĂƌďŽǁĞŐŽ͕
ϯ͘ ǁ njǁŝČnjŬƵ nj ƉƌſďČ ƐĂŵŽďſũĐnjČ͕ ƵŵLJƑůŶLJŵ ƐĂŵŽŽŬĂůĞͲ
ĐnjĞŶŝĞŵůƵďƵƐnjŬŽĚnjĞŶŝĞŵĐŝĂųĂŶĂƉƌŽƑďħhďĞnjƉŝĞĐnjŽͲ
ŶĞŐŽ͕
ϰ͘ ǁ njǁŝČnjŬƵ nj ǁLJŐĂƑŶŝħĐŝĞŵ ƵŵŽǁLJ Ž ƉƌĂĐħ͕ ƐƚŽƐƵŶŬƵ
ƐųƵǏďŽǁĞŐŽ͕ŬŽŶƚƌĂŬƚƵŵĞŶĞĚǏĞƌƐŬŝĞŐŽůƵďƵŵŽǁLJnjůĞͲ
ĐĞŶŝĂ͘
13. Wypowiedzenie Umowy ubezpieczenia
ͻ hďĞnjƉŝĞĐnjĂũČĐLJ ŵŽǏĞ ǁLJƉŽǁŝĞĚnjŝĞđ hŵŽǁħ ƵďĞnjͲ
ƉŝĞĐnjĞŶŝĂ ǁ ŬĂǏĚLJŵ ĐnjĂƐŝĞ KŬƌĞƐƵ ƵďĞnjƉŝĞĐnjĞŶŝĂ
ƐŬųĂĚĂũČĐ hďĞnjƉŝĞĐnjLJĐŝĞůŽǁŝ͕ njĂ ƉŽƑƌĞĚŶŝĐƚǁĞŵ
ŐĞŶƚĂ͕ƉŝƐĞŵŶĞŽƑǁŝĂĚĐnjĞŶŝĞ͘
ͻ tLJƉŽǁŝĞĚnjĞŶŝĞ ƵnjŶĂũĞ Ɛŝħ njĂ ƐŬƵƚĞĐnjŶĞ nj ŽƐƚĂƚŶŝŵ
ĚŶŝĞŵ ŵŝĞƐŝČĐĂ͕ ǁ ŬƚſƌLJŵ hďĞnjƉŝĞĐnjĂũČĐLJ njųŽǏLJų
hďĞnjƉŝĞĐnjLJĐŝĞůŽǁŝƉŝƐĞŵŶĞǁLJƉŽǁŝĞĚnjĞŶŝĞhŵŽǁLJ
ƵďĞnjƉŝĞĐnjĞŶŝĂ͘
ϭϰ͘ ĂƐĂĚLJŝƚƌLJďnjŐųĂƐnjĂŶŝĂĚĂƌnjĞŶŝĂƵďĞnjƉŝĞczeniowego
ͻ t ƉƌnjLJƉĂĚŬƵ njĂũƑĐŝĂ njĚĂƌnjĞŶŝĂ ƵďĞnjƉŝĞĐnjĞŶŝŽǁĞŐŽ
ƉŽǁŝŶŝĞŶĞƑ ŶŝĞnjǁųŽĐnjŶŝĞ njŐųŽƐŝđ ďĞnjƉŽƑƌĞĚŶŝŽ hďĞnjͲ
ƉŝĞĐnjLJĐŝĞůŽǁŝ ůƵď njĂ ƉŽƑƌĞĚŶŝĐƚǁĞŵ ŐĞŶƚĂ njĂũƑĐŝĞ
ƚĞŐŽnjĚĂƌnjĞŶŝĂ͘
ͻ ŐųŽƐnjĞŶŝĂ ŵŽǏĞƐnj ĚŽŬŽŶĂđ ǁ ĨŽƌŵŝĞ ƉŝƐĞŵŶĞũ ŶĂ
ŽĚƉŽǁŝĞĚŶŝŵ &ŽƌŵƵůĂƌnjƵ ŐųŽƐnjĞŶŝĂ ZŽƐnjĐnjĞŶŝĂ ĚŽͲ
ųČĐnjĂũČĐĚŽŶŝĞŐŽĚŽŬƵŵĞŶƚLJǁƐŬĂnjĂŶĞǁĂƌƚ͘ϭϯƵƐƚ͘
ϵKŐſůŶLJĐŚtĂƌƵŶŬſǁhďĞnjƉŝĞĐnjĞŶŝĂ͘
ϭϱ͘ ĂƐĂĚLJŝƚƌLJďnjŐųĂƐnjĂŶŝĂ ^ŬĂƌŐŽƌĂnjich rozͲ
patrywania
ͻ t ĐĞůƵ ŽƐƚĂƚĞĐnjŶĞŐŽ ƌŽnjƐƚƌnjLJŐŶŝħĐŝĂ KƐŽďĂ ƐŬųĂĚĂͲ
ũČĐĂ ^ŬĂƌŐħ ŵŽǏĞ ǁŶŝĞƑđ ^ŬĂƌŐħ ŽĚƉŽǁŝĞĚŶŝŽ ĚŽ
ĂƌnjČĚƵ hďĞnjƉŝĞĐnjLJĐŝĞůĂ ůƵď LJƌĞŬĐũŝ hďĞnjƉŝĞĐnjLJͲ
ĐŝĞůĂ͘
ͻ dŽǁĂƌnjLJƐƚǁŽ hďĞnjƉŝĞĐnjĞŷ ŶĂ ‚LJĐŝĞ ĂƌĚŝĨ WŽůƐŬĂ
^͘͘ƉŽĚůĞŐĂŶĂĚnjŽƌŽǁŝ<ŽŵŝƐũŝEĂĚnjŽƌƵ&ŝŶĂŶƐŽǁĞͲ
ŐŽ͘
ͻ /ŶĨŽƌŵĂĐũĞ ĚŽƚLJĐnjČĐĞ ƚƌLJďƵ ǁŶŽƐnjĞŶŝĂ ŝ ƌŽnjƉĂƚƌLJͲ
ǁĂŶŝĂ ^ŬĂƌŐŝ ƵĚŽƐƚħƉŶŝĂŶĞ ƐČ njĂ ƉŽƑƌĞĚŶŝĐƚǁĞŵ
ƐƚƌŽŶLJŝŶƚĞƌŶĞƚŽǁĞũǁǁǁ͘ĐĂƌĚŝĨ͘ƉůŽƌĂnjǁƐŝĞĚnjŝďŝĞ
hďĞnjƉŝĞĐnjLJĐŝĞůĂ͘
16. Podmiot uprawniony do otrzymania
ƑǁŝĂĚĐnjĞŶŝĂ
ͻ ^ŬĂƌŐħ ŵŽǏĞƐnj njųŽǏLJđ ƉŝƐĞŵŶŝĞ ǁ ƐŝĞĚnjŝďŝĞ
hďĞnjƉŝĞĐnjLJĐŝĞůĂ ƉƌnjLJ Ɖů͘ WŝųƐƵĚƐŬŝĞŐŽ Ϯ͕ ϬϬͲϬϳϯ
KƐŽďLJ ĨŝnjLJĐnjŶĞ ůƵď ƉƌĂǁŶĞ ǁƐŬĂnjĂŶĞ ƉƌnjĞnj hďĞnjͲ
tĂƌƐnjĂǁĂ͕ ƉƌnjĞƐLJųŬČ ƉŽĐnjƚŽǁČ͕ ƚĞůĞĨŽŶŝĐnjŶŝĞ ƉŽĚ
ƉŝĞĐnjŽŶĞŐŽ ǁĞ tŶŝŽƐŬŽƉŽůŝƐŝĞ ƵƉƌĂǁŶŝŽŶĞ ĚŽ ŽƚƌnjLJͲ
ŶƵŵĞƌĞŵ ƚĞůĞĨŽŶƵ ǁƐŬĂnjĂŶLJŵ ŶĂ ƐƚƌŽŶŝĞ ŝŶƚĞƌͲ
ŵĂŶŝĂ ƑǁŝĂĚĐnjĞŶŝĂ ǁ ƉƌnjLJƉĂĚŬƵ njĚĂƌnjĞŷ ŝŶŶLJĐŚ ŶŝǏ
ŶĞƚŽǁĞũ ǁǁǁ͘ĐĂƌĚŝĨ͘Ɖů͕ ĞͲŵĂŝůĞŵ ƉŽĚ ĂĚƌĞƐĞŵ͗
njŐŽŶhďĞnjƉŝĞĐnjŽŶĞŐŽ͘
ƌĞŬůĂŵĂĐũĞΛĐĂƌĚŝĨ͘ƉůůƵďnjĂƉŽƑƌĞĚŶŝĐƚǁĞŵĨŽƌŵƵůĂͲ
t ƉƌnjLJƉĂĚŬƵ͕ ŐĚLJ ŶĂůĞǏŶĞ _ǁŝĂĚĐnjĞŶŝĞ ƵďĞnjƉŝĞͲ
ƌnjĂnjŐųŽƐnjĞŶŝŽǁĞŐŽnjĂŵŝĞƐnjĐnjŽŶĞŐŽŶĂƐƚƌŽŶŝĞŝŶƚĞƌͲ
ĐnjĞŶŝŽǁĞ͕ ƉƌnjĞǁLJǏƐnjĂ ŬǁŽƚħ ^ĂůĚĂ njĂĚųƵǏĞŶŝĂ ĂŬƚƵĂůͲ
ŶĞƚŽǁĞũǁǁǁ͘ĐĂƌĚŝĨ͘Ɖů͘
ŶĞŐŽ ŶĂ njŝĞŷ njĂũƑĐŝĂ njĚĂƌnjĞŶŝĂ͕ ŬǁŽƚĂ ŶĂĚǁLJǏŬŝ
ͻ hďĞnjƉŝĞĐnjLJĐŝĞů ƵĚnjŝĞůĂ ŽĚƉŽǁŝĞĚnjŝ ŶĂ ^ŬĂƌŐħ ǁ
ǁLJƉųĂĐĂŶĂũĞƐƚŶĂƐƚħƉƵũČĐLJŵŽƐŽďŽŵƵƉƌĂǁŶŝŽŶLJŵǁ
ĨŽƌŵŝĞ ƉĂƉŝĞƌŽǁĞũ ůƵď ŶĂ ƚƌǁĂųLJŵ ŶŽƑŶŝŬƵ ŝŶĨŽƌͲ
ŬŽůĞũŶŽƑĐŝ͗
ŵĂĐũŝ͕ǁƌŽnjƵŵŝĞŶŝƵƵƐƚĂǁLJnjĚŶŝĂϭϵƐŝĞƌƉŶŝĂϮϬϭϭƌ͘
ϭ͘ ǁƐƉſųŵĂųǏŽŶĞŬhďĞnjƉŝĞĐnjŽŶĞŐŽ͕
Ž ƵƐųƵŐĂĐŚ ƉųĂƚŶŝĐnjLJĐŚ͕ ǁ ƚĞƌŵŝŶŝĞ ϯϬ ĚŶŝ ŽĚ ĚŶŝĂ
Ϯ͘ ǁ ƌſǁŶLJĐŚ ĐnjħƑĐŝĂĐŚ ĚnjŝĞĐŝ hďĞnjƉŝĞĐnjŽŶĞŐŽ Ͳ ũĞƑůŝ
ŽƚƌnjLJŵĂŶŝĂ ^ŬĂƌŐŝ ǁ ĨŽƌŵŝĞ ŽƌĂnj ǁ ŵŝĞũƐĐƵ ǁƐŬĂͲ
ďƌĂŬǁƐƉſųŵĂųǏŽŶŬĂ͕
njĂŶLJŵǁĂƌƚ͘ϭϲƵƐƚ͘ϮKth͘EĂǏČĚĂŶŝĞKƐŽďLJƐŬųĂͲ
ϯ͘ ǁ ƌſǁŶLJĐŚ ĐnjħƑĐŝĂĐŚ ƌŽĚnjŝĐĞ hďĞnjƉŝĞĐnjŽŶĞŐŽ Ͳ ũĞƑůŝ
ĚĂũČĐĞũ ^ŬĂƌŐħ hďĞnjƉŝĞĐnjLJĐŝĞů ŵŽǏĞ ƵĚnjŝĞůŝđ ŽĚƉŽͲ
ďƌĂŬĚnjŝĞĐŝŝǁƐƉſųŵĂųǏŽŶŬĂ͕
ǁŝĞĚnjŝ͕ŽŬƚſƌĞũŵŽǁĂǁnjĚĂŶŝƵƉŽƉƌnjĞĚŶŝŵnjĂƉŽƑͲ
ϰ͘ ǁ ƌſǁŶLJĐŚ ĐnjħƑĐŝĂĐŚ ƌŽĚnjĞŷƐƚǁŽ hďĞnjƉŝĞĐnjŽŶĞŐŽ Ͳ
ƌĞĚŶŝĐƚǁĞŵƉŽĐnjƚLJĞůĞŬƚƌŽŶŝĐnjŶĞũ͘
ũĞƑůŝďƌĂŬƌŽĚnjŝĐſǁ͕ĚnjŝĞĐŝŝǁƐƉſųŵĂųǏŽŶŬĂ͕
ͻ t ƐnjĐnjĞŐſůŶŝĞ ƐŬŽŵƉůŝŬŽǁĂŶLJĐŚ ƉƌnjLJƉĂĚŬĂĐŚ͕ ƵŶŝĞͲ
ϱ͘ ƐƉĂĚŬŽďŝĞƌĐLJhďĞnjƉŝĞĐnjŽŶĞŐŽ͕njǁLJųČĐnjĞŶŝĞŵ^ŬĂƌďƵ
ŵŽǏůŝǁŝĂũČĐLJĐŚ ƌŽnjƉĂƚƌnjĞŶŝĞ ^ŬĂƌŐŝ ŝ ƵĚnjŝĞůĞŶŝĞ ŽĚͲ
WĂŷƐƚǁĂ͕ũĞǏĞůŝďƌĂŬŽƐſďǁLJŵŝĞŶŝŽŶLJĐŚƉŽǁLJǏĞũ͘
ƉŽǁŝĞĚnjŝǁƚĞƌŵŝŶŝĞ͕ŽŬƚſƌLJŵŵŽǁĂǁĂƌƚ͘ϭϲƵƐƚ͘ϲ
Kth͕hďĞnjƉŝĞĐnjLJĐŝĞůǁLJũĂƑŶŝĂƉƌnjLJĐnjLJŶħŽƉſǍŶŝĞŶŝĂ͕ ϭϳ͘ ^ČĚǁųĂƑĐŝǁLJŝƌŽnjƐƚƌnjLJŐĂŶŝĞƐƉŽƌſǁ
ǁƐŬĂnjƵũĞ ŽŬŽůŝĐnjŶŽƑĐŝ ŽĚ ƵƐƚĂůĞŶŝĂ͕ ŬƚſƌLJĐŚ njĂůĞǏLJ
ƌŽnjƉĂƚƌnjĞŶŝĞ ^ŬĂƌŐŝ͕ Ă ƚĂŬǏĞ ŽŬƌĞƑůĂ ƉƌnjĞǁŝĚLJǁĂŶLJ
ͻ t ƐƉƌĂǁĂĐŚ ŶŝĞƵƌĞŐƵůŽǁĂŶLJĐŚ Kth ŵĂũČ njĂƐƚŽƐŽͲ
ƚĞƌŵŝŶ ƌŽnjƉĂƚƌnjĞŶŝĂ ^ŬĂƌŐŝ ŝ ƵĚnjŝĞůĞŶŝĂ ŽĚƉŽǁŝĞĚnjŝ͕
ǁĂŶŝĞŽĚƉŽǁŝĞĚŶŝĞƉƌnjĞƉŝƐLJƉƌĂǁĂƉŽůƐŬŝĞŐŽ͘
ŬƚſƌLJ ŶŝĞ ŵŽǏĞ ƉƌnjĞŬƌŽĐnjLJđ ϲϬ ĚŶŝ ŽĚ ĚŶŝĂ ŽƚƌnjLJͲ
ͻ ^ƉƌĂǁLJ ƐƉŽƌŶĞ͕ ǁLJŶŝŬĂũČĐĞ njĞ ƐƚŽƐƵŶŬƵ ƵďĞnjƉŝĞͲ
ŵĂŶŝĂ^ŬĂƌŐŝ͘
ĐnjĞŶŝĂ͕ ŵŽǏŶĂ ǁLJƚŽĐnjLJđ ĂůďŽ ǁĞĚųƵŐ ƉƌnjĞƉŝƐſǁ
ͻ KƐŽďŝĞ ƐŬųĂĚĂũČĐĞũ ^ŬĂƌŐħ ƉƌnjLJƐųƵŐƵũĞ ƉƌĂǁŽ ĚŽ
Ž ǁųĂƑĐŝǁŽƑĐŝ ŽŐſůŶĞũ ĂůďŽ ƉƌnjĞĚ ƐČĚ ǁųĂƑĐŝǁLJ ĚůĂ
ǁLJƐƚČƉŝĞŶŝĂ nj ǁŶŝŽƐŬŝĞŵ Ž ƌŽnjƉĂƚƌnjĞŶŝĞ ^ŬĂƌŐŝ ĚŽ
ŵŝĞũƐĐĂnjĂŵŝĞƐnjŬĂŶŝĂůƵďƐŝĞĚnjŝďLJhďĞnjƉŝĞĐnjĂũČĐĞŐŽ͕
ZnjĞĐnjŶŝŬĂ &ŝŶĂŶƐŽǁĞŐŽ ůƵď ĚŽ ǁŶŝĞƐŝĞŶŝĂ ^ŬĂƌŐŝ ĚŽ
hďĞnjƉŝĞĐnjŽŶĞŐŽ͕ hƉŽƐĂǏŽŶĞŐŽ ůƵď hƉƌĂǁŶŝŽŶĞŐŽ nj
DŝĞũƐŬŝĐŚ ůƵď WŽǁŝĂƚŽǁLJĐŚ ZnjĞĐnjŶŝŬſǁ <ŽŶƐƵŵĞŶͲ
hŵŽǁLJ ƵďĞnjƉŝĞĐnjĞŶŝĂ ĂůďŽ ƉƌnjĞĚ ƐČĚ ǁųĂƑĐŝǁLJ ĚůĂ
ƚſǁ͘
ŵŝĞũƐĐĂ njĂŵŝĞƐnjŬĂŶŝĂ ƐƉĂĚŬŽďŝĞƌĐLJ hďĞnjƉŝĞĐnjŽŶĞŐŽ
ͻ KƐŽďĂ ƐŬųĂĚĂũČĐĂ ^ŬĂƌŐħ ŵĂ ƉƌĂǁŽ njųŽǏLJđ ^ŬĂƌŐħ
ůƵď ƐƉĂĚŬŽďŝĞƌĐLJ hƉƌĂǁŶŝŽŶĞŐŽ nj hŵŽǁLJ ƵďĞnjƉŝĞͲ
ŽƐŽďŝƑĐŝĞ ůƵď njĂ ƉŽƑƌĞĚŶŝĐƚǁĞŵ ǁLJnjŶĂĐnjŽŶĞŐŽ ƉƌnjĞnj
ĐnjĞŶŝĂ͘
ƐŝĞďŝĞ ƉĞųŶŽŵŽĐŶŝŬĂ͕ ŬƚſƌLJ ĚŽ ^ŬĂƌŐŝ njĂųČĐnjLJ ƉĞųŶŽͲ
ŵŽĐŶŝĐƚǁŽƵĚnjŝĞůŽŶĞǁĨŽƌŵŝĞƉŝƐĞŵŶĞũƉƌnjĞnjKƐŽďħ
ϭϴ͘ KƉŽĚĂƚŬŽǁĂŶŝĞƑǁŝĂĚĐnjĞŷhďĞnjƉŝĞĐnjLJĐŝĞůĂ
ƐŬųĂĚĂũČĐČ^ŬĂƌŐħ͘
ͻ EĂ ǏČĚĂŶŝĞ KƐŽďLJ ƐŬųĂĚĂũČĐĞũ ^ŬĂƌŐħ͕ hďĞnjƉŝĞĐnjLJĐŝĞů
ͻ _ǁŝĂĚĐnjĞŶŝĂ ƵďĞnjƉŝĞĐnjĞŶŝŽǁĞ ŽƉŽĚĂƚŬŽǁĂŶĞ ƐČ ŶĂ
ǁLJƐƚĂǁŝ ƉŽƚǁŝĞƌĚnjĞŶŝĞ ǁƉųLJŶŝħĐŝĂ ^ŬĂƌŐŝ ƉŝƐĞŵŶŝĞ
ƉŽĚƐƚĂǁŝĞŽŐſůŶŝĞŽďŽǁŝČnjƵũČĐLJĐŚƉƌnjĞƉŝƐſǁƉƌĂǁĂ
ĂůďŽǁŝŶŶĞũĨŽƌŵŝĞǁƐŬĂnjĂŶĞũƉƌnjĞnjKƐŽďħƐŬųĂĚĂũČĐČ
ƉŽůƐŬŝĞŐŽ͘
^ŬĂƌŐħ͘
ͻ :ĞǏĞůŝũĞƐƚĞƑŽƐŽďČĮnjLJĐnjŶČ͕ƚŽƑǁŝĂĚĐnjĞŶŝĞƵďĞnjƉŝĞͲ
ͻ tĐĞůƵƐƉƌĂǁŶĞŐŽƉƌnjĞƉƌŽǁĂĚnjĞŶŝĂƉƌŽĐĞƐƵƌŽnjƉĂƚͲ
ĐnjĞŶŝŽǁĞ͕ŬƚſƌĞŽƚƌnjLJŵĂƐnjnjƚLJƚƵųƵhŵŽǁLJƵďĞnjƉŝĞͲ
ƌLJǁĂŶŝĂ ^ŬĂƌŐŝ͕ KƐŽďĂ ƐŬųĂĚĂũČĐĂ ^ŬĂƌŐħ ƉŽǁŝŶŶĂ
ĐnjĞŶŝĂ͕ďħĚnjŝĞnjǁŽůŶŝŽŶĞŽĚƉŽĚĂƚŬƵĚŽĐŚŽĚŽǁĞŐŽ͘
ƉŽĚĂđƐǁŽũĞŝŵŝħ͕ŶĂnjǁŝƐŬŽ͕ĂĚƌĞƐnjĂŵŝĞƐnjŬĂŶŝĂŽƌĂnj
ͻ t ƉƌnjLJƉĂĚŬƵ ŽƐſď ƉƌĂǁŶLJĐŚ ƑǁŝĂĚĐnjĞŶŝĂ ƵďĞnjƉŝĞͲ
ĞǁĞŶƚƵĂůŶŝĞ ŝŶŶĞ ĚĂŶĞ ƉŽnjǁĂůĂũČĐĞ ŶĂ ŬŽŶƚĂŬƚ njĞ
ĐnjĞŶŝŽǁĞ ŽƚƌnjLJŵĂŶĞ nj ƚLJƚƵųƵ hŵŽǁLJ ƵďĞnjƉŝĞĐnjĞŶŝĂ
ƐƚƌŽŶLJhďĞnjƉŝĞĐnjLJĐŝĞůĂ͘
ƐƚĂŶŽǁŝČƉƌnjLJĐŚſĚ͘