Accidents can happen to anyone; the real difference lies in the ability to cope with their consequences.

Accidents of all types may occur at any time – on the road, at home, at work, during sports activities, or while engaging in extreme or recreational activities. Some accidents are minor and do not affect daily routine, while others may result in disability or even death. A person who experiences an accident must deal not only with physical pain and emotional challenges, but also with significant financial loss.

Even with extreme caution, accidents cannot always be prevented. What we can do is insure ourselves as much as possible against its financial damages. This can be achieved by purchasing Personal Accidents Insurance, which, in the unfortunate event of an accident, provides financial protection for you and your family and helps you manage unexpected expenses.

Personal Accidents Insurance provides financial compensation in the following cases, subject to policy terms and benefit percentages:

• Accidental death – 100% of the basic sum insured
• Loss of limbs and/or loss of functional use – up to 100% of the basic sum insured
• Permanent disability exceeding 30% – a proportional benefit based on the basic sum insured
• Assessment of permanent disability – in accordance with National Insurance (Social Security) disability regulations
• Fractures and burns – up to 20% of the sum insured, depending on the severity and extent of the injury
• Long-Term Care condition – a lump-sum benefit of 20% of the basic sum insured

Additional post-accident expense coverages may include:

• Ambulance evacuation expenses
• Private nursing care during hospitalization
• Accommodation expenses for a first-degree relative in a hotel near the hospital during hospitalization
• Physical Therapy treatments

Optional extensions may be added, such as coverage for hazardous activities or hobbies, and coverage for driving and/or riding motorized two-wheeled vehicles, including electric scooters, ATVs, electric bicycles, and similar vehicles.

Caution helps reduce risk, and Personal Accidents Insurance helps prevent financial hardship.