Accident insurance

An accident is a health injury or trauma, caused by an external factor. Traumas can occur while at home, engaging in sports, at work and in traffic. The most common traumas are fractures, concussions, stretches, tears, punctures, bites, burns, etc.

An accident means that a person develops health damage as a result of trauma. In accident insurance, you can choose different benefits to help with both moderate and permanent health damage and you can also choose compensation in case a person dies as a result of trauma.
Life insurance covers a person's death and this may be caused by a disease or trauma.

Accident insurance provides protection at critical moments to protect yourself and your loved ones against unexpected expenses and income loss as a result of trauma. As a result of trauma, a person may remain on sick leave, leading to a decrease in income, but bills, loan payments and living expenses need to be paid. It is also necessary to cover medical expenses

Accident insurance is suitable for all people aged 1 to 70 years. However, more attention should be paid to those whose occupation or sporting activities are associated with a higher risk or who are the main providers in the family.

The compensation for accident insurance is as follows:

• Compensation for permanent disability ensures that money problems are alleviated for a longer period of time. The amount of compensation depends on the severity of the health damage caused by an accident and the sum insured chosen in the contract.
• Compensation for medical expenses compensates for reasonable and justified medical expenses incurred as a result of an accident which are not compensated by the Estonian Health Insurance Fund.
• Daily allowance compensates for the loss of income for each day of treatment during sick leave, regardless of whether the treatment is in a hospital or at home.
• Damages for trauma offer one-off compensation for temporary health damage.
• Death benefit is intended to prevent and alleviate the economic concerns of the loved ones of the insured person in the event of his or her death.

When concluding a contract, it is possible to choose the benefits and sums insured that correspond to the needs and possibilities of the person. If a person engages in competitive sports or works in a hazardous occupation, this protection can be added to the contract.

For first aid, call the emergency number 112 or contact the nearest emergency room. After receiving first aid or treatment, you can notify insurance by completing the accident claim notice on the ERGO website.

Compensation is paid to the insured person, medical expenses invoices can be paid directly to the medical institution. Upon death, the compensation is paid to the legal heirs of the insured person or to the person specified in the insurance contract.