Personal Insurance

Why it is useful to insure with us?

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 educational program.
Protection from bullying
Insurance against bullying ‘HateSTOP’ ensures the services of a psychologist and a lawyer if a child is being bullied physically, verbally or online.
Protection against infectious diseases
The 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.
The insurance cover is valid in case of food poisoning.
Sick pay
We pay sick leave from the first day in the hospital, regardless of how long the treatment lasts.
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.
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.
Minor injuries and their recurrence
The insurance benefit is paid for partial and repeated ligament sprains, for repeated fractures, for repeated dislocations of the shoulder joint that occurred during the validity of the same insurance contract.
Discontinued activity
We provide an opportunity to insure the expenses due to the cancellation of the planned activity, which occurred due to an insured event.

Why it is useful to insure with us?

You can choose additional insurance services

If you are interested in additional services, consult our experts and we will help you choose the right.

Critical diseases
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 research
  • 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 being 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.
Personal civil liability
Civil liability for damage caused by daily activities not related to the performance of work functions, as well as by raising pets, engaging in active leisure activities and sports activities is insured.
Canceling a scheduled activity
If a planned activity is canceled due to an insured event, such as an injury, the costs incurred for tickets, travel passes or advance reservations for a trip, children's camp, etc. are covered, if such costs are not refunded and the Insured provides data justifying the cancellation of such a planned activity.
If children under the age of 18 face physical, verbal or virtual bullying, they are given the help of a psychologist and,
if necessary, a lawyer.

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