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Personal Insurance
Why it is useful to insure with us?
Protected leisure
The insurance cover is valid while partaking in individual sports activities at a gym (other than in preparation for competitions and participation in marathons), when activities are a form of leisure, when activities are performed for health purposes, or when activities are part of an educational program.
Protection against bullying
Insurance against bullying STOP the Hate ensures access to 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 natural environments, with the benefit paid in cases of tick-borne encephalitis, Lyme disease, rabies, tetanus, animal bites, snake bites, or insect bites. The insurance cover is also valid in cases of food poisoning.
Sick pay
We provide sick leave compensation from the first day of hospitalization, regardless of the duration of the treatment.
Plastic surgery
We offer one of the highest limits on the market for facial plastic surgery due to trauma, with no additional payments or conditions.
Serious injuries
In cases of severe injuries (when hand control function is impaired), we increase the calculated insurance payment by an additional 10% for injuries of the right in right-handed individuals hand or in the left hand in left-handed individuals.
Minor injuries and their recurrence
The insurance benefit is paid for partial and recurrent ligament sprains, repeated fractures, and repeated dislocations of the shoulder joint that occur during the validity of the same insurance contract.
Termination of 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?
What do we
cover with
Personal
Insurance?
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 Illness
The insurance benefit is paid upon the first diagnosis of the following illnesses:
- Heart attack;
- Stroke;
- Multiple sclerosis;
- Cancer cases;
- Other complex illnesses specified in the insurance policy condition.
Other Illnesses and Surgeries
The insurance benefit is paid for:
- Suffering from dangerous infectious diseases such as legionellosis, trichinellosis, Ebola virus, meningococcal infection.
- Surgeries for conditions such as ruptured stomach or duodenal ulcers, acute appendicitis, diphtheria, or post-traumatic osteomyelitis.
Medical Expenses
In the event of an injury, we will cover additional expenses if necessary for:
- Medications registered with the State Medicines Control Agency;
- Medical aid and orthopedic supplies: bandages, splints, canes, crutches;
- Rental or purchase of wheelchairs and their delivery;
- Diagnostic tests;
- Wound dressings, injections, infusions.
Assistance Insurance
By choosing the Assistance Insurance risk, the following additional expenses are covered:
In case of injury:
- Emergency transportation costs (taxi services);
- Childcare services.
In case of disability/incapacity for work:
- Adapting the insured person's living space to accommodate their disability.
In case of death:
- Funeral/cremation or body transportation costs;
- Psychological consultations for children, parents, or spouse.
Hospital Benefit
In the event of an injury, a sickness benefit is paid for each day spent in the hospital (up to 180 days for the entire period).
The sickness benefit is paid from the first day of hospitalization.
Temporary disability (daily allowance)
In the event of an injury, a daily allowance is paid for each day of disability (up to 180 days for the entire period).
The disability certificate must be issued for a period longer than 3 days.
Job Loss
If, due to an injury, you can no longer perform the job you held prior to the injury and the employment contract is terminated at the employer's initiative, a one-time insurance payment, as specified in the insurance policy, will be made.
Personal liability
Liability is insured for damages caused by everyday activities not related to work duties, as well as raising animals, engaging in active leisure activities, and sports activities.
Cancellation of planned activities
If a planned activity is cancelled due to an insured event, such as an injury, expenses incurred for tickets, travel tickets, or advance reservations for a trip, children's camp, etc., are covered, provided these expenses are non-refundable and the insured submits documentation to support the cancellation of the planned activity.
Bullying
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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