Accident insurance

Wide coverage and simple damage compensation

• Disability assessment is very objective, clear and simple. It’s easy to accurately assess the size of the benefit in the event of total incapacitation. Disability benefits are issued if the policyholder loses more than 1% working capability. 
• The range of protection for light traumas is the broadest and most comprehensive possible, i.e. there is an option to be covered for even the most minor of injuries: torn ligaments, bruises, nail injuries, stitching complications, dislocated fingers/toes and injuries to nerve endings. 
• Alcohol, toxic and other intoxication is not classified as an uninsurable characteristic of an accident if there is no proof of correlation between intoxication and the incident. Insurance coverage with this additional option considers an accident to be an insurable incident when the policyholder’s blood alcohol level is less than 0.6, without the need to prove correlation.
• We issue insurance benefits for plastic surgery. 
• Standard risks can be supplemented with daily and/or hospitalisation allowance options. 
• Insurance protection is applicable in cases when the policyholder gets food poisoning or experiences toxic symptoms from pharmaceuticals, chemicals, gas, steam, poisonous plants or mushrooms. 
• Insurance coverage is valid all over the world – there is no need to provide additional information to the insurer. 
• A period of 10 business days (20 in the event of loss of life) from the day of the event or beginning/assessment of its effects is given within which the incident must be reported. An advance payment may be issued if analysis of the claim is prolonged. 
• The insurance premium may be paid in instalments.