PERSONAL ACCIDENT INSURANCE

An accident is considered to be any event sudden and unwilling by the beneficiary, which, as an external and sudden impact to the beneficiary’s body results in his death, total or partial invalidity, temporary inability to work or deterioration of health requiring medical assistance

Individual accident insurance

This type of insurance covers the following risks:

  • death caused by accident
  • permanent disability
  • healthcare costs

An individual may agree an extra premium for additional cover of specific risks [taking part in car and motorcycle races, operation of airplanes and other types of aircraft, etc.] and various sports risks.

Employee Collective accident insurance

This type of insurance policy covers all accidents:

  • occurring in the course of performing regular professional activities
  • occurring in the course of performing regular professional activities and outside regular professional activities [0-24h]

This type of insurance may cover the following risks:

  • death caused by accident
  • death caused by illness
  • permanent disability
  • healthcare costs

Individuals may be insured regardless of their health condition, age and general work ability, except for those totally incapable of work, who are excluded from the insurance.
This insurance policy does not cover employees who, at the time of entering the contract, submit a written statement that they do not wish to be insured.
If a collective insurance policy is concluded without the individual names of employees, the insurance policy covers all of policyholder’s permanent and temporary employees.
Various insurance amounts may be negotiated, depending on the risk category for each individual employee [policyholder].
A collective insurance contract for employees may include the policyholders’ family members, provided that the agreed policy also covers risks occurring outside regular professional activities.

Other types of accident insurance

Business travel accident insurance

This type of insurance covers employees during business travel based on the travel expense records.
The insurance covers the employee from the moment of departure from his home or workplace and is valid until the moment of his return to his home or workplace.

Household members personal accident insurance

This type of insurance covers all members of the household: spouses, children and other members of the household, as individually named in the policy or in an enclosed list. Insurance is available for all members of the household, from birth to 70 years of age.

Personal accident insurance for members of sports organizations

The insurance may include:

  • Insurance for members of sports organizations – amateur or professional sports competitors
  • insurance for participants in sports races and competitions
  • Compensation of medical expenses for foreign participants in sports competitions.

Personal accident insurance for members of hunting and fishing organizations

Insurance for hunting or fishing activities may be purchased for individuals or groups.

Personal accident insurance for members of volunteer firefighters organizations and other lifesaving teams

The insurance is available as group insurance for all members of volunteer firefighters organizations and other lifesaving teams.

Personal accident insurance for pilots, cabin crew members and passengers in airplanes and other aircraft

Insurance is available for:

  • professional and sport pilots
  • military pilots
  • passengers

Personal accident insurance for members of cultural associations

This insurance is available for:

  • professional members of cultural associations
  • amateur members of cultural associations

Personal accident insurance for children, pupils and students

This insurance is available for:

  • children
  • pupils and students

Personal accident insurance for students staying abroad

This type of insurance is available for individuals and groups, for university and other higher education students, who travel abroad for work experience through authorised legal entities. Before a policy is issued, students must submit a certificate stating that they are travelling abroad exclusively for the purposes of work experience.

Personal accident insurance for visitors and audiences, including policyholder liability

This type of insurance covers accidents which may occur to audience members in performance halls, in the premises designated for ticket holders, regardless whether the injured person is a ticket holder or not, or on the premises around sports grounds or another place where a performance or sport event is being held, if such a place is designated for spectators.
The insurance also covers those types of accidents which may occur to the visitor while queuing to purchase a ticket at a designated place.
The visitor insurance policy may also include a policyholder liability cover for physical damage or loss of property incurred by the insured visitor up to the amount specified in the policy.

Personal accident insurance for tourists and holidaymakers, including policyholder liability

This insurance policy covers holidaymakers and tourists who go on group excursions to particular places organized by the policyholder specified in the policy.
The insurance covers all accidents which may occur to the holidaymaker while waiting for the excursion at a designated place, and immediately upon return from the excursion, until the moment of departure from the place designated for the dissolution of the tourist group.
The tourists and holidaymakers insurance may also include a policyholder liability cover for physical damage or loss of property incurred by an insured tourist or holidaymaker up to the amount specified in the policy.