Accident insurance - a traditional form of personal insurance, which provides comprehensive protection against the insured economic impact of disability or death occurring as a result of unforeseen and random events. Collective agreement accident insurance are employers for the benefit of its employees. Accident insurance provides for the payment of insurance coverage for the loss of health, or in connection with the death of the insured person from specified events. Insurance coverage for the collective accident insurance may be limited to a period of professional activity or extend the privacy of the insured.The object of insurance is the property interests related to personal injury or the insured person's death.
Insurance protection is provided on the following risks:
The death of the insured person in an accident that occurred within one year from the date of the accident.
Violation of an accident anatomical integrity and / or function of organs and tissues of the body of the Insured Person, resulting establishment Insured disability 1 (first) group within one year from the date of the accident.
Violation of an accident anatomical integrity and / or function of organs and tissues of the body of the Insured Person, resulting disability determination Insured 2 (second) group within one year from the date of the accident.
Violation of an accident anatomical integrity and / or function of organs and tissues of the body of the Insured Person, resulting establishment Insured disability 3 (third) group within one year from the date of the accident.
Violation of an accident anatomical integrity and / or function of organs and tissues of the body of the Insured person, resulting in a period of one year from the date of the accident, hospitalization, during which the insured person operated.
Violation of an accident anatomical integrity and / or function of organs and tissues of the body of the Insured Person, the Insured Person caused hospitalization within one year from the date of the accident.
Violation of an accident anatomical integrity and / or function of organs and tissues of the body of the Insured Person, caused his disability (treatment) within one year from the date of the accident.
Violation of an accident anatomical integrity and / or function of organs and tissues of the body of the Insured Person, which provides the table number 1 "Types of injuries and other health problems."
Violation of an accident anatomical integrity and / or function of organs and tissues of the body of the Insured person who provided the table number 2 "Types of injuries and other health problems (continental scale)."
Diagnosing the insured person an occupational disease that resulted in permanent loss of their professional capacity.
Diagnosing the Insured infectious, parasitic disease or dangerous disease, which provides table № 3 "Types of dangerous disease."
Diagnosis of the disease by the insured, which caused the establishment of the person disability 1 (first) group within one year from the date on which the diagnosis of the disease has occurred.
Diagnosis of the disease by the insured, which caused the establishment of the person disability 2 (second) group within one year from the date on which the diagnosis of the disease has occurred.
Death of the insured person as a result of the disease.
All variety of consequences of an accident can be reduced to three kinds: death, temporary disability, permanent total or partial disability (disability).
The first kind of consequences of an accident is clear and does not require any explanation. Temporary disability means that an accident occurred, such lesions, a violation of the body that do not allow a person to continue working in a relatively short time. After this period, disabled patient can fully recover. Finally, permanent incapacity or disability, takes place only when an accident caused damage to the victim, which remain throughout life, such as loss of vision or any authority. Disability can have different degrees depending on the level of disability rights. Obviously, the loss of a finger or toe work capacity is reduced slightly, while the loss of vision in both eyes, both hands and feet comes complete disability.
Under the contract, all of the consequences of an accident can be included in the insurance cover together or in various combinations. Before the revolution, the Russian insurance companies to conduct insurance options from accidents on the condition of payment upon the occurrence of:
death, disability and temporary disability;
death and disability;
disability and temporary disability;
only disability.
Similar types of contracts of insurance against accidents and concluded prior to the State Insurance in 1942, when they were eliminated all of the earlier contract of personal insurance. In post-war practice of the State Insurance temporary disability has been removed from the list of insurance claims and payment of its occurrence was not provided to the insured. Some deviations from the established order of the work accident insurance have been observed in recent years in a number of former Soviet republics, begins to conduct insurance for temporary disability. In addition, in order to take greater account the interests of policyholders Gosstrakh some types of contracts from accidents including conditions benefit payment cases requiring continuous treatment for a short time (usually one month). This empirical evidence that temporary disability as one of the consequences of an accident becomes the basis for the payment of the contract.
Policy from an accident - a slight on the amount contributed to a significant insurance, however, we prefer to spend a lot more on the often unnecessary "wealth" in the supermarket for just one time, rather than to invest with a real benefit for themselves. Protect yourself and your family from possible disaster or hard to beat working metropolis illness. Remember that the value of purchases - not the joy of owning it, and in the amount of problems it solves.
To restore health are considerable expense. Offset these costs can help insurance policy against accidents: the policy will cover the cost of facilities required for the restoration.
In our arsenal of 30 insurance partners and each company in the presence of several programs of collective and individual accident insurance - you can choose any convenient for you personally, or our staff will help you select the best insurance company and insurance programs accident.
Given your budget and individual requirements, profession and hobbies (eg, extreme sports), we offer a variety of insurance programs for adults and children.
