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Home   >  Corporate Client   >  Employee Insurance   >  Personal accident insurance

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Personal accident insurance

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Insuring company's properties and cars is often self-evident. However, one should not forget about the most valuable asset of a company - employees. None of us is protected against accidents, but we can protect ourselves against the troubles related to them.
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  • Ettevõtte õnnetusjuhtumikindlustuse avaldus
  • Terms and conditions of personal accident insurance
  • Table of indemnity of permanent disability
  • Table of indemnity of compensation
  • General contractual terms and conditions
Accident insurance ensures a monetary indemnity if the person needs long-term treatment after an accident, is temporarily incapable for work or is disabled. If the worst happens, the insurance indemnity helps to alleviate the financial problems of those closest to you.

Upon entering into a contract you can combine various indemnities and set suitable sums insured. You can choose whether to enter into full-time (valid throughout the world during working and leisure time) or part-time (valid during working time at the workplace) insurance.

The indemnity for temporary incapacity for work (while on a sick leave) or the daily allowance is paid for each day of treatment recorded by the doctor if the treatment lasts over 7 days, regardless of whether one is being treated in a hospital or at home. In the case of a (permanent) disability the entire sum insured under the contract is paid out or a portion corresponding to the degree of the disability.

In the case of the corporate accident insurance a half of the indemnity is paid to the company and a half to the insured person, if not agreed differently.
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