Accidents Insurance

For who is
Accidents Insurance?

Safe workers and their well-being - productive work every day. We strive to make your company's employees feel at ease about their health. Financial support in the event of an accident or injury resulting in an accident will help to reduce the loss of income due to incapacity for work.

Why it is useful to insure with us?

Validity of insurance cover
You can choose the validity of the insurance cover: protection that is valid for 24 hours. per day or protection valid only during work and on the way to / from work.
Staff turnover
If the number of employees changes during the insurance contract (up to 15%), the insurance cover is valid for all employees and additional notifications are not necessary.
Violations of work safety
Violations of work safety are not a reason to reduce or refuse to pay the insurance benefit.
Protected leisure
The insurance cover is valid during individual sports activities, when sports are performed in a sports club (except for preparations for competitions and participation in marathons), when activities are a form of leisure time, when activities are performed for health purposes, when activities are part of the curriculum.
Plastic surgery
We offer one of the largest limit on the market for facial plastic surgery due to the effects of trauma, with no additional payments or conditions.
The insurance benefit is paid even if the insured was driving without wearing a seat belt at the time of the traffic accident.
Minor injuries and their recurrence
The insurance indemnity is paid for partial and repeated ligament sprains, for repeated fractures that occurred during the validity of the same insurance contract, for repeated dislocations of the shoulder joint.
Serious injuries
In case of severe injuries (when the hand control function is impaired), we increase the additionally calculated insurance payment by 10%, when right-handed people injure their right hand or left-handed people - their left hand.
Protection against infectious diseases
Insurance cover is valid in nature - the benefit is paid in case of tick-borne encephalitis, lyme disease, rabies, tetanus, animal bites, snakes or insect bites.
Sick Pay
We pay sick leave from the first day in the hospital, regardless of how long the treatment lasts.

Why it is useful to insure with us?

You can choose additional insurance services

The insurance benefit is paid upon the first diagnosis of these diseases:

Kritinės ligos
The insurance benefit is paid upon the first diagnosis of these diseases:
  • heart attack;
  • stroke;
  • multiple sclerosis;
  • cases of cancer;
  • other complex diseases provided in the Rules.

Other diseases and operations

The insurance benefit is paid:

  • in case of dangerous infectious diseases - legionellosis, trichinosis, Ebola virus, meningococcal infection
  • for operations - ruptured stomach or duodenal ulcer, acute appendicitis, diphtheria, post-traumatic osteomyelitis
Medical expenses
In case of injury, we will reimburse additional costs if necessary:
  • medicines registered by the State Medicines Control Agency
  • medical aids and orthopedic appliances: bandages, splints, sticks, crutches
  • rental or purchase of trolleys and their delivery
  • diagnostic researches
  • wound dressings and bandages, injections, infusions
Aid insurance
If you choose the Aid insurance risk, these costs are additionally reimbursed

In case of injury:

  • emergency transport costs (taxi services)
  • babysitting services for children

In case of disability / incapacity for work:

  • adaptation of the place of residence for the insured person with a disability

In case of death:

  • funeral / cremation or body transport costs
  • psychologist consultations for children, parents, spouse
Sick pay
In the event of an injury, sick pay is paid for each day spent in hospital (up to 180 days for the entire period).
Sick pay is paid from the first day in the hospital.
Temporary incapacity for work (daily allowance)

In case of injury, per diem is paid for each day of incapacity (up to 180 days for the entire period).
The certificate of incapacity for work must be issued for a period longer than 3 days.

Job loss
If you are no longer able to work before the injury due to injuries and the employment contract is terminated at the initiative of the employer, the lump sum insurance amount specified in the insurance contract shall be paid.
Crisis managment
The insurance is paid in the event of the Insured's death or disability during work.
Expenses incurred are reimbursed for:

• for lawyers (representing the employer or the insured before state institutions); 
• for additional work safety consultations;
• for communication;
• for the funeral expenses of the insured;
• psychologist, social, medical assistance for the Insured's family members for up to 2 months. after the insured event;
• for the search and training of a new employee.

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