{"id":36254,"date":"2026-02-02T10:05:02","date_gmt":"2026-02-02T09:05:02","guid":{"rendered":"https:\/\/ordoiuris.pl\/informacje-prasowe\/compensa-zycie-nie-chciala-placic-za-smierc-dziecka-przed-22-tygodniem-ciazy-sad-po-stronie-matki\/"},"modified":"2026-02-02T14:03:58","modified_gmt":"2026-02-02T13:03:58","slug":"polish-court-rules-insurer-must-pay-compensation-for-children-who-died-in-the-womb-at-19-weeks","status":"publish","type":"informacje","link":"https:\/\/ordoiuris.pl\/en\/press-newsdesk\/polish-court-rules-insurer-must-pay-compensation-for-children-who-died-in-the-womb-at-19-weeks\/","title":{"rendered":"Polish court rules insurer must pay compensation for children who died in the womb at 19 weeks"},"content":{"rendered":"<style>.kb-row-layout-id36254_6f76aa-1b > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id36254_6f76aa-1b > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id36254_6f76aa-1b > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1350px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id36254_6f76aa-1b > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id36254_6f76aa-1b > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id36254_6f76aa-1b > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id36254_6f76aa-1b alignfull wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column36254_87422f-10 > .kt-inside-inner-col,.kadence-column36254_87422f-10 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column36254_87422f-10 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column36254_87422f-10 > .kt-inside-inner-col{flex-direction:column;}.kadence-column36254_87422f-10 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column36254_87422f-10 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column36254_87422f-10{position:relative;}@media all and (max-width: 1024px){.kadence-column36254_87422f-10 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column36254_87422f-10 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column36254_87422f-10\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading36254_ae8407-03, .wp-block-kadence-advancedheading.kt-adv-heading36254_ae8407-03[data-kb-block=\"kb-adv-heading36254_ae8407-03\"]{font-weight:700;font-style:normal;font-family:'DrukWide Bold';}.wp-block-kadence-advancedheading.kt-adv-heading36254_ae8407-03 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading36254_ae8407-03[data-kb-block=\"kb-adv-heading36254_ae8407-03\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading36254_ae8407-03 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading36254_ae8407-03[data-kb-block=\"kb-adv-heading36254_ae8407-03\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading36254_ae8407-03 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading36254_ae8407-03\">main points<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading36254_e59575-4b, .wp-block-kadence-advancedheading.kt-adv-heading36254_e59575-4b[data-kb-block=\"kb-adv-heading36254_e59575-4b\"]{max-width:50px;margin-right:auto;margin-left:auto;text-align:center;font-size:50px;font-weight:700;font-style:normal;font-family:'DrukWide Bold';}.wp-block-kadence-advancedheading.kt-adv-heading36254_e59575-4b mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading36254_e59575-4b[data-kb-block=\"kb-adv-heading36254_e59575-4b\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading36254_e59575-4b img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading36254_e59575-4b[data-kb-block=\"kb-adv-heading36254_e59575-4b\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading36254_e59575-4b wp360-single-one wp-block-kadence-advancedheading has-theme-palette-2-color has-text-color\" data-kb-block=\"kb-adv-heading36254_e59575-4b\">1<\/h3>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading36254_836976-8d, .wp-block-kadence-advancedheading.kt-adv-heading36254_836976-8d[data-kb-block=\"kb-adv-heading36254_836976-8d\"]{max-width:1200px;margin-right:auto;margin-left:auto;text-align:center;font-size:23px;line-height:1.3em;font-style:normal;font-family:var( --global-heading-font-family, inherit );}.wp-block-kadence-advancedheading.kt-adv-heading36254_836976-8d mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading36254_836976-8d[data-kb-block=\"kb-adv-heading36254_836976-8d\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading36254_836976-8d img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading36254_836976-8d[data-kb-block=\"kb-adv-heading36254_836976-8d\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading36254_836976-8d, .wp-block-kadence-advancedheading.kt-adv-heading36254_836976-8d[data-kb-block=\"kb-adv-heading36254_836976-8d\"]{font-size:26px;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading36254_836976-8d, .wp-block-kadence-advancedheading.kt-adv-heading36254_836976-8d[data-kb-block=\"kb-adv-heading36254_836976-8d\"]{font-size:18px;}}<\/style>\n<h4 class=\"kt-adv-heading36254_836976-8d wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading36254_836976-8d\"><strong><strong>The Regional Court in Szczecin, Poland, dismissed an insurer\u2019s appeal in a case concerning the payment of compensation to the mother of two children who were stillborn at 19 weeks of pregnancy.<\/strong><\/strong><\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading36254_fb60fe-36, .wp-block-kadence-advancedheading.kt-adv-heading36254_fb60fe-36[data-kb-block=\"kb-adv-heading36254_fb60fe-36\"]{max-width:50px;margin-right:auto;margin-left:auto;text-align:center;font-size:50px;font-weight:700;font-style:normal;font-family:'DrukWide Bold';}.wp-block-kadence-advancedheading.kt-adv-heading36254_fb60fe-36 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading36254_fb60fe-36[data-kb-block=\"kb-adv-heading36254_fb60fe-36\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading36254_fb60fe-36 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading36254_fb60fe-36[data-kb-block=\"kb-adv-heading36254_fb60fe-36\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading36254_fb60fe-36 wp360-single-one wp-block-kadence-advancedheading has-theme-palette-2-color has-text-color\" data-kb-block=\"kb-adv-heading36254_fb60fe-36\">2<\/h3>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading36254_c9796e-ef, .wp-block-kadence-advancedheading.kt-adv-heading36254_c9796e-ef[data-kb-block=\"kb-adv-heading36254_c9796e-ef\"]{max-width:1200px;margin-right:auto;margin-left:auto;text-align:center;font-size:23px;line-height:1.3;font-style:normal;font-family:var( --global-heading-font-family, inherit );}.wp-block-kadence-advancedheading.kt-adv-heading36254_c9796e-ef mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading36254_c9796e-ef[data-kb-block=\"kb-adv-heading36254_c9796e-ef\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading36254_c9796e-ef img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading36254_c9796e-ef[data-kb-block=\"kb-adv-heading36254_c9796e-ef\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading36254_c9796e-ef, .wp-block-kadence-advancedheading.kt-adv-heading36254_c9796e-ef[data-kb-block=\"kb-adv-heading36254_c9796e-ef\"]{font-size:18px;}}<\/style>\n<h4 class=\"kt-adv-heading36254_c9796e-ef wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading36254_c9796e-ef\"><strong><strong>The insurer claimed that the case did not involve a stillbirth but rather a miscarriage, because the delivery occurred before the 22nd week of pregnancy.<\/strong><\/strong><\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading36254_ab5bef-ec, .wp-block-kadence-advancedheading.kt-adv-heading36254_ab5bef-ec[data-kb-block=\"kb-adv-heading36254_ab5bef-ec\"]{max-width:50px;margin-right:auto;margin-left:auto;text-align:center;font-size:50px;font-weight:700;font-style:normal;font-family:'DrukWide Bold';}.wp-block-kadence-advancedheading.kt-adv-heading36254_ab5bef-ec mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading36254_ab5bef-ec[data-kb-block=\"kb-adv-heading36254_ab5bef-ec\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading36254_ab5bef-ec img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading36254_ab5bef-ec[data-kb-block=\"kb-adv-heading36254_ab5bef-ec\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading36254_ab5bef-ec wp360-single-one wp-block-kadence-advancedheading has-theme-palette-2-color has-text-color\" data-kb-block=\"kb-adv-heading36254_ab5bef-ec\">3<\/h3>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading36254_960ef8-a6, .wp-block-kadence-advancedheading.kt-adv-heading36254_960ef8-a6[data-kb-block=\"kb-adv-heading36254_960ef8-a6\"]{max-width:1200px;margin-right:auto;margin-left:auto;text-align:center;font-size:23px;line-height:1.3;font-style:normal;font-family:var( --global-heading-font-family, inherit );}.wp-block-kadence-advancedheading.kt-adv-heading36254_960ef8-a6 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading36254_960ef8-a6[data-kb-block=\"kb-adv-heading36254_960ef8-a6\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading36254_960ef8-a6 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading36254_960ef8-a6[data-kb-block=\"kb-adv-heading36254_960ef8-a6\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading36254_960ef8-a6, .wp-block-kadence-advancedheading.kt-adv-heading36254_960ef8-a6[data-kb-block=\"kb-adv-heading36254_960ef8-a6\"]{font-size:18px;}}<\/style>\n<h4 class=\"kt-adv-heading36254_960ef8-a6 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading36254_960ef8-a6\"><strong><strong>The Ordo Iuris Institute provided legal assistance to the mother.<\/strong><\/strong><\/h4>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id36254_0dac61-2c{margin-bottom:var(--global-kb-spacing-xl, 4rem);}.kb-row-layout-id36254_0dac61-2c > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id36254_0dac61-2c > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id36254_0dac61-2c > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id36254_0dac61-2c > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id36254_0dac61-2c > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id36254_0dac61-2c > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id36254_0dac61-2c alignfull wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column36254_8f48d2-ce > .kt-inside-inner-col,.kadence-column36254_8f48d2-ce > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column36254_8f48d2-ce > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column36254_8f48d2-ce > .kt-inside-inner-col{flex-direction:column;}.kadence-column36254_8f48d2-ce > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column36254_8f48d2-ce > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column36254_8f48d2-ce{position:relative;}@media all and (max-width: 1024px){.kadence-column36254_8f48d2-ce > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column36254_8f48d2-ce > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column36254_8f48d2-ce\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-image.kb-image36254_6b396d-08:not(.kb-specificity-added):not(.kb-extra-specificity-added){margin-bottom:-30px;}.wp-block-kadence-image.kb-image36254_6b396d-08{position:relative;z-index:5;}.kb-image36254_6b396d-08 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<div class=\"wp-block-kadence-image kb-image36254_6b396d-08\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"114\" height=\"54\" src=\"https:\/\/ordoiuris.pl\/wp-content\/uploads\/2024\/01\/wpis-obrazek.png\" alt=\"\" class=\"kb-img wp-image-4085\"\/><\/figure><\/div>\n\n\n<style>.wp-block-kadence-spacer.kt-block-spacer-36254_a0616d-1a .kt-block-spacer{height:6px;}.wp-block-kadence-spacer.kt-block-spacer-36254_a0616d-1a .kt-divider{border-top-width:1px;height:1px;border-top-color:#ced2ea;width:100%;border-top-style:solid;}<\/style>\n<div class=\"wp-block-kadence-spacer aligncenter kt-block-spacer-36254_a0616d-1a\"><div class=\"kt-block-spacer kt-block-spacer-halign-center\"><hr class=\"kt-divider\"\/><\/div><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id36254_01a008-8c > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id36254_01a008-8c > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id36254_01a008-8c > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1350px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id36254_01a008-8c > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id36254_01a008-8c > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id36254_01a008-8c > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id36254_01a008-8c alignfull wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column36254_7eda43-d1 > .kt-inside-inner-col,.kadence-column36254_7eda43-d1 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column36254_7eda43-d1 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column36254_7eda43-d1 > .kt-inside-inner-col{flex-direction:column;}.kadence-column36254_7eda43-d1 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column36254_7eda43-d1 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column36254_7eda43-d1{position:relative;}@media all and (max-width: 1024px){.kadence-column36254_7eda43-d1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column36254_7eda43-d1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column36254_7eda43-d1\"><div class=\"kt-inside-inner-col\">\n<p>Vienna Life Towarzystwo Ubezpiecze\u0144 na \u017bycie S.A. Vienna Insurance Group will have to pay compensation to the mother of two children who were stillborn at 19 weeks of pregnancy. <a href=\"https:\/\/ordoiuris.pl\/en\/press-newsdesk\/polish-court-rules-insurer-must-pay-compensation-for-children-who-died-in-the-womb-at-19-weeks\/\">The case concerned<\/a> a woman who was pregnant with twins. Three years before becoming pregnant, she enrolled in a group insurance plan that covered, among other things, stillbirth. At 19 weeks\u2019 gestation, the woman delivered two stillborn babies. She then applied to the insurer for payment of stillbirth benefits, citing the insurance contract. The company refused to pay compensation, claiming that the definition of &#8220;stillbirth&#8221; had not been met. According to the Company, the fact that the children were stillborn before the end of the 22nd week of pregnancy disqualifies the event from payment of the benefit.<\/p>\n\n\n\n<p>The Ordo Iuris Institute provided legal assistance to the mother. In January 2025, the Szczecin-Prawobrze\u017ce District Court fully agreed with the arguments of the mother\u2019s attorneys, noting that the insurer had not demonstrated that, from the outset, the woman had been provided with all documents enabling a determination that she was aware of the grounds limiting or excluding the insurer\u2019s liability. The company filed an appeal against this judgment with the Regional Court in Szczecin.<\/p>\n\n\n\n<p>In a judgment dated January 13, 2026, the court dismissed the appeal. The insurer was ordered to pay the benefit to the mother and to reimburse the costs of the proceedings before the courts of first and second instance. The judgment is final.<\/p>\n\n\n\n<p>\u201cThe final, binding ruling sends an important message to all parents who, after losing a child before birth, encounter refusals to pay the insurance benefits they are entitled to. \u201cMs. Natalia\u2019s case shows that in such situations it is worth asserting your rights, and that unfair contract terms and abuses by insurers can be effectively challenged in court,\u201d notes attorney Magdalena Leszczy\u0144ska from the Ordo Iuris Litigation Intervention Center.<br>And it is also the confirmation by a court that a human being, regardless of his or her stage of prenatal development, should be considered as his or her mother\u2019s child.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<p><\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading36254_d520ad-ea, 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