karta produktu - Volkswagen Bank Polska
Transkrypt
karta produktu - Volkswagen Bank Polska
KARTA PRODUKTU [Informacja ogólna] <ĂƌƚĂ WƌŽĚƵŬƚƵ ũĞƐƚ ŵĂƚĞƌŝĂųĞŵ ŝŶĨŽƌŵĂĐLJũŶLJŵ ŝ ŶŝĞ ƐƚĂŶŽǁŝ ŝŶƚĞŐƌĂůŶĞũ ĐnjħƑĐŝ ƵŵŽǁLJ ŝ ǁĂƌƵŶŬſǁ ƵďĞnjƉŝĞĐnjĞŶŝĂ͘ <ĂƌƚĂ WƌŽĚƵŬƚƵnjŽƐƚĂųĂƉƌnjLJŐŽƚŽǁĂŶĂƉƌnjĞnjdŽǁĂƌnjLJƐƚǁŽhďĞnjƉŝĞĐnjĞŷŶĂLJĐŝĞĂƌĚŝĨWŽůƐŬĂ^͘͘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