Personal accident insurance
Trauma, disability, or loss can cost you not only your health but also your income. This insurance pays out a lump sum when the unexpected happens, helping you until you get back to your normal routine.
Who is this relevant to?
For those doing physical work
When your income depends on your ability to work, even a few weeks of incapacity are felt immediately.
For those who exercise
Organized training sessions and competitions are a common cause of injuries, yet coverage typically extends only to specifically designated sports risks.
For Parents
Injuries among children occur at school, during sports training, or in the yard. Insurers typically offer specific terms for children and students up to the age of 25.
For the self-employed
There is no employer to compensate for the downtime. The payment helps cover what the sickness benefit does not.
How the benefit works
This type of insurance works differently than the reimbursement of medical expenses. You do not need to collect invoices or prove how much you spent. The payout is calculated as a percentage of the selected sum insured, with the specific percentage determined by the nature of the injury according to the insurer’s injury schedule.
In the event of death, the full sum selected for this risk is typically paid out, whereas in the event of disability or loss of working capacity, a portion of that sum is paid based on the established level.
Example
If the injury insurance coverage amount is €10,000 and the schedule specifies a rate of 3% for a rib fracture, the payout will be €300. If multiple different injuries are sustained, the payouts are usually aggregated.
Why the sum insured is important
The amount is not a limit up to which someone will reimburse the bills. This is the number from which the percentage is calculated, so the higher the amount, the bigger each payout.
Basic protection and additional options
Basic protection
- Accidental death
- Disability or loss of working capacity
- Injuries
- Minor injuries: sprains, bruises, finger dislocations, soft tissue injuries, acute poisoning
Optional
- Medical expenses following an accident
- Extended disability with double benefit
- Protection against infections following a tick, snake, or animal bite
- Additional illness insurance
- Critical Illness Extension
- Personal civil liability
- The expansion of passive warfare and terrorism
- Expansion of sports
The options and terminology vary by insurer. Please note that medical expenses are handled differently than other risks, as they reimburse treatment costs substantiated by financial documentation rather than a percentage of the sum insured.
Profession and main occupation
The size of the premium is determined not by age, but by daily activities. Insurers divide activities into groups, and the premium depends on the group. Grouping varies by insurer; below is one of the divisions used in the market to make the principle clear.
Non-physical work
Administrative, scientific, or research work; educators; medical personnel; managers; employees in retail and food service establishments; beauty salon and personal service workers; entrepreneurs and self-employed individuals; cultural and arts professionals.
Light physical work
Drivers—including long-haul drivers—agricultural and gas station workers, light industry and manufacturing specialists, security personnel, watchmen, veterinary staff, interior repair specialists, and warehouse workers. Non-working individuals and pensioners are also often included in this group.
Children and students
For children and students up to 25 years of age, insurers usually apply separate conditions and variants of their insurance amounts.
A working student. If you are employed, your group is usually determined by your employment rather than your studies.
Homemaker, person temporarily out of work, pensioner. That is exactly what you should indicate. This does not automatically mean the lowest premium, but it is the correct answer that allows the insurer to select the appropriate option.
Work at heights or with heavy machinery is typically assessed separately and does not fall into the light physical work category.
As with sports, some professions or activities are not covered by insurers or have individual terms and conditions. Specifying the activity accurately is not important for the premium, but for the benefit: if the event is related to an undeclared activity, the insurer has a reason to dispute it.
Sport: what counts as sport and what doesn't
In the context of insurance, “sport” refers not to the physical exertion involved, but to the organizational framework. Engaging in sport is typically understood as participating in activities, training sessions, or competitions organized by a sports organization. Sports organizations are generally considered to be legal entities such as sports clubs, centers, schools, federations, associations, and societies.
It is generally considered a sport.
Training sessions and competitions at a sports club, school, or federation, including amateur leagues and children’s sports groups.
It is usually not considered a sport.
Activities for health-improvement purposes, activities that are part of an educational curriculum, and leisure activities—provided they do not involve participation in competitions or marathons and do not constitute high-risk leisure activities.
Sports are usually grouped according to the risk they pose to health. The grouping varies by insurer, but the logic is similar: activities such as running, swimming or racquet sports are considered the least risky; moderate, such as bicycle racing, equestrian sports or rowing; team sports and gymnastics are usually considered more risky, and combat and contact sports are considered the highest risk.
What does this mean in practice? If you engage in organized sports, you must declare this. Coverage is then extended, and a surcharge is added to the premium; the insurer determines the amount based on the type of sport and its risk category. If the sport is not declared, coverage typically does not apply during training sessions or competitions.
Insurers do not cover certain activities. This applies to certain sports, professions, and leisure activities. Professional athletes are not excluded by this restriction. The insurer determines whether a specific activity is acceptable, so it is best to specify it immediately when submitting an inquiry.
Sum insured and price
For adults
Insurance amounts: from 7,000 to 30,000 €
Annual premium without additional options: from €50 to €108
For children and students under 25.
Insurance amounts: from €5,000 to €10,000
Annual premium without additional options: from €30 to €81
These are sample options from one of our partners’ 2026 offers. Coverage limits, terms, and premiums vary among other insurers. The final premium depends on the business category, the chosen coverage limit, and additional options; therefore, it is calculated on an individual basis.
When insurance does not apply
Conditions vary by insurer, but the following cases are the most common:
- the incident occurred while under the influence of alcohol, narcotic, or psychotropic substances;
- intentional self-harm;
- professional sports, competitions, and training, where the sports risk is not excluded;
- high-risk activity that was not specified at the time the contract was concluded;
- high-risk activity that was not specified at the time the contract was concluded;
Some insurers also reduce the payout if degenerative changes are identified or if a medical facility was not visited in a timely manner following the incident.
How to get a quote
1. Write
Please specify the age of the person to be insured, their main activity or profession, whether they engage in organized sports, and the desired sum insured.
2. Get options
We will prepare proposals from several insurers featuring basic coverage and, if relevant, additional options.
3. Select and pay
The contract enters into force on the date specified in the certificate, upon payment of the premium. The premium is paid directly to the insurer.
What to do in the event of an accident
- Ensure your safety and seek medical attention. It is important to do this immediately, as medical records confirm the date and circumstances of the incident.
- Obtain the medical records regarding your diagnosis and treatment from the healthcare facility.
- Notify the insurer of the incident using the method specified by them and submit the documents.
- If you have any questions, write to us and we’ll help you find your way.
Important documents
The specific insurer’s terms and the insurance product information document are provided along with the quote. Below are the insurers’ websites where the current versions are published.
Frequently Asked Questions
Kas gali būti apdraustas?
Where is the insurance valid?
How does this insurance differ from the reimbursement of medical expenses?
Is the insurance valid while playing sports?
How do you choose the sum insured?
Is it possible to insure several family members?
What do minor injuries mean?
How long is the contract valid?
How do I get a quote?
Ensure protection
Please let us know what kind of coverage you are interested in, and we will prepare offers from several insurers.
Prepared by the Man ramu insurance broker team · Updated on October 1, 2026