Personal accident insurance
Gyvenimas kupinas netikėtumų – nuo mažų kasdienių incidentų iki rimtų traumų. Asmens draudimas nuo nelaimingų atsitikimų suteikia finansinę apsaugą ir ramybę, kai nutinka tai, ko nesitikime. Pasirūpink, kad netikėtas įvykis nesukeltų papildomų finansinių sunkumų jums ar jūsų šeimai.
Who is personal accident insurance for?
This insurance is intended for individuals who want to protect themselves or their loved ones from the financial consequences of an accident.
It is especially relevant for those who:
- works in a physically demanding or more risky job;
- actively spends leisure time or does sports;
- want additional protection when traveling and in everyday life;
- seeks to ensure the family’s financial stability in the event of an unexpected disaster.
Main risks covered by personal insurance
Personal accident insurance covers several main risks. Each of them can be selected according to individual needs or a selected package.
1. Death due to an accident.
The insurance benefit is paid when the insured person dies as a result of an accident.
2. Bodily injuries (traumas)
The benefit is awarded when bone fractures, joint dislocations, bruises or other bodily injuries, determined medically, are suffered during the event.
3. Loss of working capacity (permanent or temporary)
If the insured loses his working capacity or ability to work due to an accident, a proportional part of the insurance amount is paid.
4. Medical Expenses Compensation
Coverage of treatment, rehabilitation or medication expenses incurred due to an accident (if this risk is included in the insurance).
5. Sickness benefit or daily allowance
If the insured person is undergoing treatment or is unable to work due to an accident, a fixed benefit is paid for each day of incapacity for work.
6. Additional risks at the client’s discretion. These may include:
Risks of sports or active leisure activities (e.g. skiing, cycling, etc.)
Protecting children from accidents;
Protection against accidents while traveling abroad.
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How to purchase insurance
To conclude a personal accident insurance contract, a few steps are enough:
Submit an application – provide basic data (name, personal identification number, contacts, selected protection).
Get a quote and choose the option that meets your needs.
Pay the installment – the contract enters into force after the first installment payment date, but not earlier than the date specified in the contract.
Receive an insurance certificate – the document is sent by email or submitted to your electronic account.
What to do in case of damage
If an accident occurs:
1. Seek medical attention immediately and stay safe.
2. Inform the insurance company as soon as possible (by phone or online).
3. Fill out the damage declaration and submit treatment documents or certificates.
4. The insurer will assess the event and transfer the benefit according to the terms of the contract.
General conditions and restrictions
Insurance coverage only applies to accidents that occur during the contract period.
Events that occur due to:
1. alcohol or drug use;
2. intentional self-harm or suicide;
3. dangerous activities for which the risk has not been declared (e.g. professional sports, extreme work) are not insured.
It is also important to accurately specify the nature of the activity, working conditions and sports activities before concluding a contract.
Important documents
F.A.Q.
Purchasing insurance on the “Man ramu” Insurance platform is easy, but we understand that you may still have various questions.
Who can be insured?
What risks are included?
Where is the insurance valid?
Is it valid for sports?
Is it valid if the incident occurred while under the influence of alcohol?
When does the ban take effect?
How long is the contract valid?
Is it possible to insure family members with one policy?
How to submit a claim for damages?
Through the insurer’s website, by email or by directly filling out the form.
How long does it take for an insurance claim to be paid?
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