If you need to insure yourself specifically against accidents, for example, at work or during leisure time, Accident Insurance may suit you. This applies, for instance, to those who participate in competitive sports or various leisure activities that involve particular risks, such as skydiving.
Others generally have good coverage in accident insurance during leisure time, which is included in Family Protection 2 and 3.
Accident insurance covers temporary and permanent consequences of accidents. The insurance is combined and you can choose the combination that suits you and your situation.
What is covered? | What is not covered? |
|---|---|
| The insurance pays benefits for: | The insurance does not cover: |
Death caused by an accident. | Accidents caused by participating in a physical fight or a criminal act. |
Temporary incapacity for work caused by an accident. | Accidents caused by consuming addictive and narcotic substances. |
Permanent medical disability caused by an accident. |
The accident insurance does not cover accidents directly or indirectly caused by diseases.
The insurance policy is valid anywhere in the world.
You must report any damage as soon as possible and no later than one year from the date of the damage.
You must ensure that all the information in the insurance policy is accurate.
You must inform us of any changes in your address, telephone number, and email address.
You must follow all the precautions in the terms of the insurance policy.
The premium must be paid on the due date. When the insurance policy is issued or renewed an electronic claim is created in your online bank. You have the option to distribute the premium payments by:
Credit card payment, where the premium is charged monthly to a credit or debit card.
Direct payment, where your bank account is debited monthly.
Corporate distribution, where the premium can be paid in monthly payments..
The insurance policy takes effect upon receipt of a written and complete application from you, provided it is approved. A written application also refers to an electronic application.
Individuals and companies with fewer than five full-time positions can cancel the insurance at any time and it will expire at the end of the following month after the cancellation is received. Other companies can cancel their insurance one month in advance before the end of the insurance period.
The cancellation must be in writing, for example with an electronic signature.