We always rejoice to nice surprises, which happen occasionally, but we are absolutely not ready to any accidents that may take place any time: at work, while doing professional or amateur sport. Insurance, of course, will not save from harm, but will help to cope with financial difficulties that is very significant reason to have an insurance policy.

In case of accident insurance minimal cover includes compensations in case of death and permanent disability:

Indemnity in case of death resulted from an accident is paid within one or three years from the insured event.

Permanent disability is constant physical harm caused by an accident.

Additionally to the above risks the following can be included into cover:

Compensation for pain and suffering is a one-time payment per each accident and it is calculated according to Terms of Insurance Company

Daily allowance helps to cover loss of income for every day out of work due to an accident. The treatment is to last at least 7-8 days

Treatment costs indemnity compensates treatment expenses resulting from an accident that are not paid for by the Estonian Health Insurance Fund.

Level of risk, limits of liability and insurance premium depend on:

• occupation
• sport (professional or amateur)
• chronic diseases or previous accidents
• coverage: round-the-clock or during work hours
• salary

In order to get an offer please fill in the questionnaire or contact our specialists.

Employee health insurance (VHI) is one of the most important components of a social package. Employee health insurance allows to provide the employee of the qualified outpatient, hospital and dental care in the best medical centers.

As a rule, the insured employee will be able to use the services of the 24-hour control room receiving a consultation, to make an appointment with the required specialist in the desired medical facility at a convenient time or to call a non-governmental/specialized ambulance team.

The working process can be fraught with the risk of injury and accident. Minimal protection for accident insurance is payments for death and disability.

The full package includes risk coverage:

Accidental injuries:

• Death of the insured person;
  
• Determination of the disability of the insured person;
  
• Temporary disability of the insured person;
  
• Traumatic injuries of the insured person;
  
• Hospitalization of the insured person.
  

The insurance coverage is 24 hours a day; the insurance territory is - the whole world.

Programs offered by different insurance companies can be very different from each other in terms of coverage, cost, the convenience of receiving services, etc. In order not to make a mistake in choosing, even after spending a few days comparing different offers, it is reasonable to turn to a professional independent insurance broker.

Our experts will consult you on the insurance products offered on the market and will help you to choose the best insurance option for your individual requirements.