Accident insurance

Accident insurance 

Brief description of the product

Coverage of the expenses related to treatment, hospitalization, surgical interventions, daily allowances, etc. arising as a result of an event regarded as a sudden (unexpected) external action on the Insured’s organism and accompanied by traumas, lesions, maiming or other health problems leading to disablement, either temporary, or permanent one, or to death of the Insured.

Object insured

Temporary or permanent disablement or death of the Insured as a result of an accident.

Subject insured

Any person able to conclude an contract.

Main risks

• Temporary disablement of the Insured – medical problems as a result of a trauma (contusion, fracture or dislocation of bones or teeth), injury, lesion of organs (either in part, or in full), penetration of a foreign matter into organs and tissues, burns, freeze burns, electrical shock (including a stroke of lightning), asphyxia, drowning, compression, etc.
• Permanent disablement (establishment of disability): the indemnity amount is calculated:
  • 100% of the amount insured – severe disability
  • 80% of the amount insured – apparent disability
  • 60% of the amount insured – medium disability

• Death

Amount insured

To be established upon Parties’ consent, in monetary equivalent.

Insurance premium

0.7% to 1.5% of the amount insured, this being determined by: person’s age, professional occupation, number of persons included in the contract, etc.

Territory

Republic of Moldova

Franchise

Not applicable.

Insurance packages