Accidents do happen
Accident insurance is here to help if you are injured, become permanently disabled or lose your capacity for work as a result of an accident. Accidents can happen to anyone anywhere.
Most accidents happen in the home and mainly involve people falling and hitting themselves.
If you work in a dangerous working environment every day, your risk of accident is high.
During time off
Active sports can result in various injuries.
Accidents do not discriminate
According to the National Institute for Health Development, more than 40% of accidents occur at home.
Accident insurance for subsistence support
Indemnification for temporary incapacity for work
Paid for treatment days spent on sick leave after the accident to retain monthly income.
A one-off indemnity in the event of a temporary injury.
Indemnification for treatment costs
Indemnifies post-accident treatment cost not covered by the Estonian Medical Insurance Fund.
Indemnification for permanent disability
Makes sure you can cope if an accident leaves you with permanent health damage.
Indemnification for critical illnesses
A one-off indemnity upon being diagnosed with a severe illness.
Indemnification for death
Helps loved ones cope financially and relieve some financial obligations.
Keep the children safe
Insure your children who suffer from accidents at home, school and sports practice. 44% of children’s injuries are from falls.
Security for you and your family
You can take out accident insurance for you and your children.
Ensure financial stability if you end up incapacitated for work either temporarily or permanently.
Insure yourself if you are the main income earner in the family.
Look out for your children who are bound to get into accidents when playing.
Collision on a cycle track ends with knee surgery
A cyclist on a cycle track collided with a rollerskater and took a fall, which resulted in a concussion and a knee injury. Insurance indemnified both the knee operation in a private clinic and the rehabilitation costs.
Unfortunate fall ruins child’s smile
A child had an unfortunate fall in physical education class at school, causing one of their front teeth to break and it had to be replaced with an implant. Luckily, the child had accident insurance and the cost of the implant was indemnified under medical expenses cover, plus the boy received a one-off indemnity.
Fun while sledging ends in surgery and rehabilitation
For one client, a sledging trip with the children ended in a multiple ankle fracture. The injury required surgery, after which the client was instructed to keep off his foot for 12 weeks and had to undergo a long rehabilitation period. Fortunately, the client had accident insurance, which paid indemnification for the daily allowance for the time spent on sick leave so they could retain their income. In addition, the insurance paid guilt money and indemnified the cost of medical products, rehabilitation and aids.
Accidents cannot be planned in advance. Choose the best coverage!