Insurance covers

Accident insurance cover offers compensation for replacing lost income and covering other expenses in case of temporary or permanent incapacity for work as a result of an accident. Insuring your life is of particular importance when your job or hobbies involve significant risks or you are the sole or main provider of the family, who all other family members depend on.

Insurance covers can be chosen and changed according to your needs:

• disability insurance cover ensures insurance protection in case the insured person becomes disabled as a consequence of an accident. Depending on the category of the disability, the insurance company will compensate a certain percentage of the insurance sum;
• daily allowance insurance cover ensures that the insurance undertaking will pay additional daily allowance upon starting a certificate for sick leave due to an accident;
• death insurance cover provides additional protection for close ones in case of the policyholder’s death as a result of an accident. In the case of an insured event, the insurance undertaking pays the sum insured of the extra cover in addition to the sum insured of the main contract.

Treatment and rehabilitation are often long-term commitments and can be costly even with national health insurance. Critical illness insurance cover makes it possible to focus on treatment and rehabilitation when you need it the most. Extra critical illness cover is meant to ensure that the normal quality of life is maintained after a serious illness and to cover the expenses necessary for recovering and coping with the difficult period. The agreed sum insured which is paid out helps to compensate for a decrease in income in case of a serious illness and the related treatment costs. The money can be used according to your own discretion.

Insurance covers myocardial infarction, stroke, malignant tumours, renal failure, etc.

Critical illness insurance cover for children can be added to the child insurance contract. Compensation from the critical illness insurance cover can be used for expenses which are not covered by the national health insurance, but are necessary for the child to recover from a serious illness. Children’s serious illnesses can affect the parents’ ability to work, thereby compromising the family income. Extra critical illness cover for children is meant to make it possible for parents to support their child’s treatment without compromising the family income too much.

Insurance covers paralysis, malignant tumours, renal failure, organ transplants, serious burns, etc.
 

In case of disability income usually decreases while expenses on medical services, drugs, equipment, nursing, remodelling the home, etc. are increasing. Insurance cover for release from payment of insurance premiums covers the insurance premiums of the main contract during the time of disability. In this case the policyholder does not have to suspend the insurance contract as the insurance undertaking will continue with the payments.