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ACCIDENT INSURANCE

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Personal Line

Accident Insurance

An insurable object as regard to the present type of insurance is both life and health of an insured person.

Among the scope of corresponding insurable risks are the accidents which, if happened to an insured person, may cause his death, disability, bodily injury or any decline in health.

There are 4 plans under which “Krayina” IC can write accident insurance, namely :

If writing insurance under the 1 st  plan, the corresponding coverage implies the following risks:

death of an insured person caused by an accident

assessment of primary disability of an insured person (incl. changing from the primary degree of disability to more severe degree of disability) as a result of an accident

temporary disability (lay-up) of an insured person as a result of an accident
If writing insurance under the 2 nd  plan, the corresponding coverage implies the following risks:

  • death of an insured person caused by an accident
  • bodily injury (trauma) or any other decline in health of an insured person as a result of an accident

If writing insurance under the 3 rd  plan, the corresponding coverage implies the following risks:

  • death of an insured person caused by an accident
  • severe bodily injury of an insured person as a result of an accident

And, if writing insurance under the 4 th  plan, the corresponding coverage implies death of an insured person as a result of an accident.

Depending on the terms of the insurance policy validity, one may also select 4 variants by terms of cover:

  • during 24 hours, at that the current location of an insured person is not limited by any conditions;
  • in the course of duty, during the high school study hours, during stay of a child in the kindergarten, including one’s being on his/her way to the place of employment (to school, kindergarten), as well as – from the place of employment (from school, kindergarten);
  • in the course of duty (irrespective of the current location as regard to the location of the permanent place of employment), during the high school study hours, or stay of a child in the kindergarten;
  • during 24 hours, except for the time interval intended for fulfilling duties at the place of employment.

An insurance contract concluded with “Krayina” IC may provide for insurance coverage both for one accident occurrence and several accident occurrences.

The cost of insurance depends on:

  • the selected plan of insurance
  • the kind of activity of an insured person
  • territories of insurance
  • term of insurance cover

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