What is the maximum sum of insurance as to the case of death?
Answer: In the case of death, the maximum sum does not exceed the total earnings of the previous 5 years of the person; however each case is assessed individually. In order to be able to assess the risk, the person must fill in an application form by indicating precise information about him or herself.
I am an insured person. Can I purchase an accident insurance policy that would provide for per diem in the case of illness?
Answer: The accident insurance risk "Per Diem” provides for compensation only in the case if the person has met with an accident and is incapable, which is attested by a medical certificate. In the case of illness, per diem risk is no more valid. The entire sum of per diem is reimbursed after the end of the illness period based on a medical certificate issued and confirmed by the employer.Since a self-employed person has no definite working hours, he is the master of his own time. And, since he or she has no employer that could confirm real period of illness, the self-ensured person should not choose this kind of risk at all because no compensation would be made.
What do “medical expenses” mean in my accident insurance policy paid by my employer?
Answer: In accident insurance, the risk “medical expenses” means that the insurance company would compensate medical expenses underwent by the insured person, provided that the expenses are related with the accident. For instance, if shank is broken in an accident, doctor’s visit, first aid, secondary treatment, X-ray procedures, dressing expenses, physiotherapy etc. are reimbursed if doctor’s appointment is presented.
Why the risk “hospital expenses” are included into accident insurance policies for children/pupils/student?
Answer: The insured risk “Hospital expenses” are related with the time spent in the hospital after the accident. In fact, this is compensation for the inconvenience when in hospital, and this does not depend on the age of the child/pupil/student. The remuneration is received by the legal guardian of the children before the age of 18.
I have a mortgage on my apartment. Can I purchase accident insurance policies?
Answer: Yes, of course, it is possible to insure against accidents at the amount of the mortgage.
Whether it is necessary to pay for the insurance policy for children each month?
Answer: No, we offer 2 programmes with a constant annual payment for accident insurance policies for children/pupil/student.
How to cancel or terminate a policy?
Answer: To cancel or terminate a policy the following documents must be submitted:
1. Completed application for cancellation or termination of an insurance policy.
2. If a bank or leasing company is indicated as a beneficiary or the insured person in the policy, then, together with a written notice or the Policy cancellation application, the policyholder (or his authorized representative) or the vehicle owner (or his authorized representative) shall submit to the insurer an official letter of the bank or the leasing company containing authorisation of the bank or the leasing company to cancel this insurance contract.
3. Power of attorney from the policyholder or the owner of the vehicle, if the refundable premium is refunded to another person.