{"id":3384,"date":"2025-04-05T20:24:16","date_gmt":"2025-04-05T20:24:16","guid":{"rendered":"https:\/\/kominsur.colparad.com\/onnetusjuhtumikindlustus\/"},"modified":"2025-11-21T11:44:43","modified_gmt":"2025-11-21T11:44:43","slug":"onnetusjuhtumikindlustus","status":"publish","type":"page","link":"https:\/\/kominsur.ee\/en\/onnetusjuhtumikindlustus\/","title":{"rendered":"Accident insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3384\" class=\"elementor elementor-3384 elementor-1721\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-25b7d045 ct-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"25b7d045\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-459a500f elementor-hidden-tablet elementor-hidden-phone\" data-id=\"459a500f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-be2bb06 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"be2bb06\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-bbbd296\" data-id=\"bbbd296\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5390f20 elementor-nav-menu__align-start sticky-menu elementor-nav-menu--dropdown-none elementor-widget elementor-widget-nav-menu\" data-id=\"5390f20\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;layout&quot;:&quot;vertical&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;svg aria-hidden=\\&quot;true\\&quot; class=\\&quot;e-font-icon-svg e-fas-caret-down\\&quot; viewBox=\\&quot;0 0 320 512\\&quot; xmlns=\\&quot;http:\\\/\\\/www.w3.org\\\/2000\\\/svg\\&quot;&gt;&lt;path d=\\&quot;M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\\&quot;&gt;&lt;\\\/path&gt;&lt;\\\/svg&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;}}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-vertical e--pointer-background e--animation-sweep-right\">\n\t\t\t\t<ul id=\"menu-1-5390f20\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4579\"><a href=\"https:\/\/kominsur.ee\/en\/eraklient\/\" class=\"elementor-item\">Private client<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4580\"><a href=\"https:\/\/kominsur.ee\/en\/kodukindlustus\/\" class=\"elementor-item\">Home insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4581\"><a href=\"https:\/\/kominsur.ee\/en\/liikluskindlustus\/\" class=\"elementor-item\">Motor Insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4582\"><a href=\"https:\/\/kominsur.ee\/en\/soidukikindlustus\/\" class=\"elementor-item\">Casco insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4583\"><a href=\"https:\/\/kominsur.ee\/en\/reisikindlustus\/\" class=\"elementor-item\">Travel insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4584\"><a href=\"https:\/\/kominsur.ee\/en\/onnetusjuhtumikindlustus\/\" class=\"elementor-item\">Accident insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4585\"><a href=\"https:\/\/kominsur.ee\/en\/tervisekindlustus\/\" class=\"elementor-item\">Health insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4586\"><a href=\"https:\/\/kominsur.ee\/en\/lemmikloomakindlustus\/\" class=\"elementor-item\">Pet insurance<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-5390f20\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4579\"><a href=\"https:\/\/kominsur.ee\/en\/eraklient\/\" class=\"elementor-item\" tabindex=\"-1\">Private client<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4580\"><a href=\"https:\/\/kominsur.ee\/en\/kodukindlustus\/\" class=\"elementor-item\" tabindex=\"-1\">Home insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4581\"><a href=\"https:\/\/kominsur.ee\/en\/liikluskindlustus\/\" class=\"elementor-item\" tabindex=\"-1\">Motor Insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4582\"><a href=\"https:\/\/kominsur.ee\/en\/soidukikindlustus\/\" class=\"elementor-item\" tabindex=\"-1\">Casco insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4583\"><a href=\"https:\/\/kominsur.ee\/en\/reisikindlustus\/\" class=\"elementor-item\" tabindex=\"-1\">Travel insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4584\"><a href=\"https:\/\/kominsur.ee\/en\/onnetusjuhtumikindlustus\/\" class=\"elementor-item\" tabindex=\"-1\">Accident insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4585\"><a href=\"https:\/\/kominsur.ee\/en\/tervisekindlustus\/\" class=\"elementor-item\" tabindex=\"-1\">Health insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4586\"><a href=\"https:\/\/kominsur.ee\/en\/lemmikloomakindlustus\/\" class=\"elementor-item\" tabindex=\"-1\">Pet insurance<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-236ba80\" data-id=\"236ba80\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1550d7f elementor-widget elementor-widget-heading\" data-id=\"1550d7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Accident insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a85abed elementor-widget elementor-widget-text-editor\" data-id=\"a85abed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We always welcome pleasant surprises, but we are never quite prepared for the accidents that can happen at any moment &#8211; whether it&#8217;s at work or when we&#8217;re doing sports and other activities. Of course, an insurance policy cannot prevent an accident, but it can help to alleviate the financial hardship that follows, which is one of the main reasons for taking out insurance. <\/p><p>The most basic protection provided by accident insurance consists of payouts in the event of death or disability:<\/p><p>The <strong>death benefit<\/strong> is paid if the death is caused by an accident and the accident is reported on the same day or within 1-3 years after the accident at the latest.<br> Permanent<strong>disability<\/strong> &#8211; if the accident results in a permanent impairment or disability.<\/p><p>As additional safeguards you can choose from:<\/p><ul><li><strong>Financial compensation for damage to health<\/strong> &#8211; paid as a lump sum, according to the financial compensation table.<\/li><li><strong>Daily allowance<\/strong> &#8211; payout in the event of temporary incapacity for work lasting more than 7-8 days as a result of an accident.<\/li><li><strong>Reimbursement of medical expenses<\/strong> &#8211; covers medical services not reimbursed by the sickness insurance fund (if they are related to an accident).<\/li><\/ul><p>The level of risk, the insurance limits and the size of premiums depend on the following factors:<\/p><ul><li>Nature of work and position<\/li><li>Level of involvement in sport (professional or recreational)<\/li><li>Chronic illnesses or previous accidents<\/li><li>Period of cover: 24 hours a day, during working hours or outside working hours only.<\/li><li>Salary level<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-3a9bc87\" data-id=\"3a9bc87\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Accident insurance We always welcome pleasant surprises, but we are never quite prepared for the accidents that can happen at any moment &#8211; whether it&#8217;s at work or when we&#8217;re doing sports and other activities. Of course, an insurance policy cannot prevent an accident, but it can help to alleviate the financial hardship that follows, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3384","page","type-page","status-publish","hentry"],"blocksy_meta":{"page_title_panel":"","has_hero_section":"disabled","0df2dca53447789c9966a9ee2482ae8e":"","hero_section":"type-1","hero_elements":[{"id":"custom_title","enabled":true,"heading_tag":"h1","title":"Home"},{"id":"custom_description","enabled":true,"description_visibility":{"desktop":true,"tablet":true,"mobile":false}},{"id":"custom_meta","enabled":false,"meta_elements":[{"id":"author","enabled":true,"label":"By","has_author_avatar":"yes","avatar_size":25},{"id":"post_date","enabled":true,"label":"On","date_format_source":"default","date_format":"M j, 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