Accident insurance for corporate clients

Accident insurance for your employees
Due to an accident, the ability to work may decrease or disappear, which leads to financial worries, as income decreases sharply. If this happens to the family’s primary earner, the whole family will suffer. Accident insurance helps alleviate this financial concern.
Indemnification of medical treatment expenses
We will indemnify the medical treatment expenses incurred as a result of an accident, which are not indemnified by the Estonian Health Insurance Fund. For example, if the employee falls and chips their tooth, requires rehabilitation or technical aids (such as crutches, joint braces, etc.).Maintain your income
We will cover the part of the daily salary that is not paid by the Estonian Health Insurance Fund or your employer. In this way, the employee maintains their usual income.Cover against permanent damage to health
Permanent disability indemnity helps if large expenses have to be incurred due to permanent damage to health as a result of an accident, such as home redevelopment.Unique insurance solution
You can choose the insurance covers necessary for the employees of your company and insure all employees with one contract. When concluding a contract, it is possible to choose whether the insurance contract is valid 24/7 or only during working hours.What does corporate accident insurance cover?
Permanent disability indemnity
We will pay indemnity if the injury does not heal within one year. The severity and character of the disability is taken into account, not one’s profession, hobbies, or lifestyle.
Death indemnity
The indemnity is paid if the insured person dies within three years as a result of an insured event.
Medical treatment expenses
The indemnity covers reasonable and justified medical treatment expenses incurred as a result of an accident, which are not reimbursed by the Estonian Health Insurance Fund.
Daily allowance
The daily allowance indemnifies you for the loss of income for each day of treatment while the certificate of incapacity for work applies, regardless of whether it is treatment in a hospital or at home. To be eligible, treatment must last for more than seven (7) days.
Indemnity for pain and suffering
We offer indemnity for pain and suffering in the case of one-off temporary damage to health lasting at least seven (7) days.
What does corporate accident insurance cover?
What additional covers do we offer?
Competitive sports insurance
The goal of competitive sports is to compete in public competition in series, cup, and league competitions, Estonian championships, and international competitions. Competitive sports insurance is also helpful in preparing for these competitions.