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Accident insurance My Health – Accident

The insurance is intended for all those who are exposed to the risk of accident in their everyday life (driving by car or bicycle, working environment, leisure activities, etc.).

Why take out accident insurance?

Covers loss of income due to an accident

Covers loss of income&mitigates financial burden on your closest ones.

Financial means for rehabilitation

Financial means for rehabilitation acquired already during treatment.

Provision of home assistance

It includes home assistance, transportation and escort to check-ups.

What is provided by the accident insurance?

Disability with progression as a result of accident (aged 1–65) – the disbursement of the relevant percentage of the insurance sum matching the percentage of permanent disability in case of partial or total disability resulting from an accident. Permanent disability and percentages are established according to the Permanent Disability Table. If the total percentage of permanent disability amounts to over 50%, the four-fold per cent of the amount is recognised for each per cent of disability exceeding 50% for the calculation of the benefit.

Progression-free disability as a result of accident (aged 66–85) – the disbursement of the relevant percentage of the insurance sum matching the percentage of permanent disability in case of partial or total disability resulting from an accident. Permanent disability and percentages are established according to the Permanent Disability Table.

Accident annuity – the person insured is entitled to an annuity for the agreed period of time in case of established permanent disability exceeding 50% as a result of a single accident. The annuity is subject to inheritance.

Fractures, dislocations, burns – the disbursement of the agreed insurance sum or a part of it, if the person insured has suffered a fracture, dislocation or burn as a result of an accident, according to the Table of Fractures, Dislocations and Burns.

Surgery as a result of accident – the disbursement of the agreed insurance sum or a part of it, if the person insured undergoes surgery as a result of an accident, according to the Table of Surgical Complexity.

Per diem compensation as a result of accident (aged 1–65) – the disbursement of a per diem compensation if the person insured is temporarily incapacitated for work as a result of an accident. The disbursement is made for a period until the date on which the percentage of permanent disability is determined or until the date of death, but for no more than 230 days following a single accident.

Per diem compensation as a result of accident (aged 66–85) – the compensation is disbursed for the days on which the person insured was undergoing treatment as a result of an accident, based on medical documentation. The disbursement is made for a period until the date on which the percentage of permanent disability is determined or until the date of death, but for no more than 100 days of treatment following a single accident, based on medical documentation.

One-off compensation for treatment as a result of accident (aged 66–85) – the disbursement of a one-off compensation for continuous treatment based on medical documentation as a result of an accident:

  • 15–30 days of active treatment – 30% of the sum insured,
  • over 30 days of active treatment – 100% of the sum insured.

Psychological support as a result of accident – Psychological support as a result of accident includes the service of outpatient psychotherapy or clinical psychology for the person insured in case of established disability exceeding 50% according to the Permanent Disability Table as a result of a single accident, which is a component part of these conditions, or for the beneficiary for the event of death if the person insured dies as a result of an accident.

Provisional care as a result of accident – it includes assistance in the performance of basic and supporting everyday tasks, and the transport of the person insured to control check-ups that the person needs as a result of an accident. It is expressed as the number of hours of home assistance and the number of transports to control check-ups (and upon discharge from the hospital) per event insured (100/4).

The accident insurance is recommended for all persons aged 18 to 85 who wish to provide financial security for themselves and their close ones in case of trauma resulting from an accident or in case of death.
 

Packages for the age group 1–65 years

When choosing a package, the price of accident insurance should not be the only criterion. One should take particular note of the sum insured in case of disability. A severe accident that results in permanent impairment profoundly changes family life. The adjustment of living conditions causes high costs.

Covers for the age group 1–65 years

Package A

Package B

Package C

Package D

Package E

Disability, progressing by 4, as a result of accident

20.000 EUR

40.000 EUR

60.000 EUR

80.000 EUR

100.000 EUR

Accident annuity – 25 years

300 EUR

300 EUR

500 EUR

500 EUR

800 EUR

Fractures, dislocations, burns

1.000 EUR

1.000 EUR

2.000 EUR

2.000 EUR

3.000 EUR

Surgery as a result of accident

NO

NO

1.000 EUR

1.000 EUR

1.000 EUR

Psychological support as a result of accident

700 EUR

700 EUR

700 EUR

700 EUR

700 EUR

Provisional care as a result of accident 
(No. of hours of home assistance/No. of transports to control check-ups)


100/4
 

100/4

200/8

300/12

300/12

Packages for the age group 66–85 years

The accident insurance will allow you to cover a loss of income following an injury, provide alternative treatment or appropriately adjust your domestic environment in case of disability.

Covers for seniors aged 66 to 85 Senior A Senior B Senior C Senior D Senior E
Death as a result of accident 5.000 EUR 5.000 EUR 7.000 EUR 15.000 EUR 20.000 EUR
Disability (progression-free) as a result of accident 20.000 EUR 20.000 EUR 30.000 EUR 30.000 EUR 40.000 EUR
Accident annuity (disbursement period of 5 years) 500 EUR 500 EUR 500 EUR 500 EUR 500 EUR
Fractures, dislocations, burns 1.000 EUR 1.000 EUR 1.000 EUR 1.500 EUR 2.000 EUR
One-off compensation for treatment as a result of accident NO 300 EUR 500 EUR 750 EUR 1.000 EUR
Psychological support as a result of accident 700 EUR 700 EUR 700 EUR 700 EUR 700 EUR
Provisional care as a result of accident
(No. of hours of home assistance/No. of transports
to control check-ups)

100/4

 		 100/4 100/4 200/8 200/8

Steps to enforce insurance

What needs to be done to claim the services provided by the insurance?

In case of accident    

  1. The beneficiary completes a request for disbursement when the medical condition permits.

  2. The beneficiary encloses the medical documentation about the type and level of bodily injuries and about any consequences arisen.

  3. If the person insured has died as a result of an accident, the beneficiary needs to enclose the notification or, rather, proof that the death resulted from an accident, and other supporting documents required.

In case of death (disbursement of the bereavement allowance)    

  1. The beneficiary completes a request for disbursement.

  2. The beneficiary encloses the pertaining medical documents from which it is possible to establish all necessary data based on which the insurance company can establish the occurrence of an insured event.

  3. The beneficiary also encloses the documents listed in the terms and conditions: extract from the register of deaths, proof of the cause of death and any other supporting documents.

Provisional care    

  1. The beneficiary or their authorised representative calls the Health Assistance service line at 080 81 10.
    - The Health Assistance service must be informed of the need for home assistance immediately or no later than 15 days after the need arises.
    - The Health Assistance service must be informed about the need for transport to control check-ups/chemotherapy at least 3 days ahead of the appointment.
    - In case of transport and escort following discharge from the hospital, the person insured or their authorised representative must order the transport by way of notification immediately or, rather, as soon as they learn that the insured will be discharged from the hospital.

  2. The insurance company determines the scope of services and the provider. The provider of provisional care will visit the person insured no later than 24 hours after the need is notified.

  3. The person insured allows the provider of provisional care to review their medical documentation and capture the data needed by the insurance company for decision-making regarding eligibility for such services.

  4. The insurance company pays the service directly to the provider of provisional care.

Do you need help?

We are here for you.

Call us 080 13 18 Write to us
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