{"id":8229,"date":"2025-11-20T18:38:01","date_gmt":"2025-11-20T16:38:01","guid":{"rendered":"https:\/\/manramu.lt\/personal-accidents-insurance\/"},"modified":"2026-03-03T22:04:41","modified_gmt":"2026-03-03T20:04:41","slug":"personal-accidents-insurance","status":"publish","type":"page","link":"https:\/\/manramu.lt\/en\/personal-accidents-insurance\/","title":{"rendered":"Personal accidents insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"8229\" class=\"elementor elementor-8229 elementor-7223\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-999f700 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"999f700\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-df10fda\" data-id=\"df10fda\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b6828c0 elementor-widget__width-auto elementor-absolute e-transform elementor-widget elementor-widget-image\" data-id=\"b6828c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_transform_rotateZ_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-138,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_tablet&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_mobile&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"501\" height=\"477\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/03\/bubble-one.png\" class=\"attachment-large size-large wp-image-1320\" alt=\"\" srcset=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/03\/bubble-one.png 501w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/03\/bubble-one-300x286.png 300w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/03\/bubble-one-13x12.png 13w\" sizes=\"(max-width: 501px) 100vw, 501px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0623804 elementor-widget__width-auto elementor-absolute elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"0623804\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"501\" height=\"477\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/03\/bubble-one.png\" class=\"attachment-large size-large wp-image-1320\" alt=\"\" srcset=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/03\/bubble-one.png 501w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/03\/bubble-one-300x286.png 300w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/03\/bubble-one-13x12.png 13w\" sizes=\"(max-width: 501px) 100vw, 501px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-de1b043 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"de1b043\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-0d400cf\" data-id=\"0d400cf\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f3eaf78 elementor-widget elementor-widget-heading\" data-id=\"f3eaf78\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Personal accident insurance<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e5bd05d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e5bd05d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-a456d07\" data-id=\"a456d07\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5347862 e-flex e-con-boxed e-con e-parent\" data-id=\"5347862\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a29dc2a elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"a29dc2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: left;\">Gyvenimas kupinas netik\u0117tum\u0173 &#8211; nuo ma\u017e\u0173 kasdieni\u0173 incident\u0173 iki rimt\u0173 traum\u0173. Asmens draudimas nuo nelaiming\u0173 atsitikim\u0173 suteikia finansin\u0119 apsaug\u0105 ir ramyb\u0119, kai nutinka tai, ko nesitikime. Pasir\u016bpink, kad netik\u0117tas \u012fvykis nesukelt\u0173 papildom\u0173 finansini\u0173 sunkum\u0173 jums ar j\u016bs\u0173 \u0161eimai.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9be48ad e-flex e-con-boxed e-con e-parent\" data-id=\"9be48ad\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bba8a50 elementor-align-right elementor-widget__width-auto elementor-widget elementor-widget-button\" data-id=\"bba8a50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/app.manramu.lt\/travel\/?lng=en\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Easily calculate how much insurance will cost<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1b7c933 elementor-section-content-space-between elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1b7c933\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wide\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-4f6dd56\" data-id=\"4f6dd56\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f16f4d4 elementor-widget elementor-widget-ucaddon_logo_grid\" data-id=\"f16f4d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_logo_grid.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<!-- start Logo Grid -->\n<style>\/* widget: Logo Grid *\/\n\n#uc_logo_grid_elementor_f16f4d4 {\n  display: grid;\n}\n#uc_logo_grid_elementor_f16f4d4 .ue-logo-title\n{\n  width:100%;\n  position:absolute;\n  bottom:0;\n  text-align:center;\n  left:0;\n}\n\n#uc_logo_grid_elementor_f16f4d4 div.logo-grid-item\n{\ntext-align:center;\ndisplay:flex;\nflex-direction:column;\njustify-content:center;\nalign-items:center;\noverflow:hidden;\n  position:relative;\n  transition:0.3s;\n\n}\n\n#uc_logo_grid_elementor_f16f4d4 div.logo-grid-item img\n{\nwidth:100%;\n  object-fit: contain;\n  display:block;\n  mix-blend-mode: normal;\n  position:absolute;\n  top:0;\n  left:0;\n  right:0;\n  bottom:0;\n  height:100%;\n  transition:0.3s;\n}\n\n\n\n#uc_logo_grid_elementor_f16f4d4 a\n{\n  display:block;\n  position:absolute;\n  top:0;\n  left:0;\n  right:0;\n  bottom:0;\n  cursor:pointer;\n  display:flex;\njustify-content:center;\nalign-items:center;\n}\n\n<\/style>\n\n<div id=\"uc_logo_grid_elementor_f16f4d4\" class=\"ue-logo-grid uc-items-wrapper \" >\n\t\t   <div class=\"logo-grid-item elementor-animation-float\" >\n   \n\t<a href=\"https:\/\/manramu.lt\/en\/balcia-insurance\/\" > \n\t\n  \n    <img decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/Balcia-logo.svg\" title=\"Balcia\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/Balcia-logo.svg\" alt=\"Balcia logo\">\n      \t\n      \n  <\/a>\n  \t\n<\/div>\n<div class=\"logo-grid-item elementor-animation-float\" >\n   \n\t<a href=\"https:\/\/manramu.lt\/en\/bta-insurance\/\" > \n\t\n  \n    <img decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/06\/BTA-logo.svg\" title=\"BTA\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/06\/BTA-logo.svg\" alt=\"BTA logo\" width=\"150\" height=\"150\">\n      \t\n      \n  <\/a>\n  \t\n<\/div>\n<div class=\"logo-grid-item elementor-animation-float\" >\n   \n\t<a href=\"https:\/\/manramu.lt\/en\/compensa-insurance\/\" > \n\t\n  \n    <img decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/04\/Compensa-logo.svg\" title=\"Compensa\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/04\/Compensa-logo.svg\" alt=\"Compensa-logo\" width=\"142\" height=\"38\">\n      \t\n      \n  <\/a>\n  \t\n<\/div>\n<div class=\"logo-grid-item elementor-animation-float\" >\n   \n\t<a href=\"https:\/\/manramu.lt\/en\/ergo-insurance\/\" > \n\t\n  \n    <img decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/ERGO-logo.svg\" title=\"Ergo\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/ERGO-logo.svg\" alt=\"ERGO logo\">\n      \t\n      \n  <\/a>\n  \t\n<\/div>\n<div class=\"logo-grid-item elementor-animation-float\" >\n   \n\t<a href=\"https:\/\/manramu.lt\/en\/gjensidige-insurance\/\" > \n\t\n  \n    <img decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/Gjensidige-logo-.svg\" title=\"Gjensidige\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/Gjensidige-logo-.svg\" alt=\"Gjensidige draudimas man ramu\">\n      \t\n      \n  <\/a>\n  \t\n<\/div>\n<div class=\"logo-grid-item elementor-animation-float\" >\n   \n\t<a href=\"https:\/\/manramu.lt\/en\/lietuvos-draudimas\/\" > \n\t\n  \n    <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/04\/LietuvosDraudimas-logo.svg\" title=\"Lietuvos draudimas\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/04\/LietuvosDraudimas-logo.svg\" alt=\"LietuvosDraudimas-logo\" width=\"100\" height=\"59\">\n      \t\n      \n  <\/a>\n  \t\n<\/div>\n\n    <\/div>\n<!-- end Logo Grid -->\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1562323 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1562323\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-f589d30\" data-id=\"f589d30\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-107d89f elementor-widget elementor-widget-heading\" data-id=\"107d89f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Who is personal accident insurance for?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68090b7 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-image\" data-id=\"68090b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/11\/asmens-draudimas-nuo-nelaimingu-atsitikimu.webp\" class=\"attachment-full size-full wp-image-7240\" alt=\"asmens draudimas nuo nelaimingu atsitikimu\" srcset=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/11\/asmens-draudimas-nuo-nelaimingu-atsitikimu.webp 1920w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/11\/asmens-draudimas-nuo-nelaimingu-atsitikimu-300x169.webp 300w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/11\/asmens-draudimas-nuo-nelaimingu-atsitikimu-1024x576.webp 1024w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/11\/asmens-draudimas-nuo-nelaimingu-atsitikimu-768x432.webp 768w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/11\/asmens-draudimas-nuo-nelaimingu-atsitikimu-1536x864.webp 1536w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/11\/asmens-draudimas-nuo-nelaimingu-atsitikimu-24x14.webp 24w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/11\/asmens-draudimas-nuo-nelaimingu-atsitikimu-36x20.webp 36w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/11\/asmens-draudimas-nuo-nelaimingu-atsitikimu-48x27.webp 48w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b6205e elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3b6205e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This insurance is intended for individuals who want to protect themselves or their loved ones from the financial consequences of an accident.<br>It is especially relevant for those who:<\/p><p> <\/p><ul><li>works in a physically demanding or more risky job;<\/li><li>actively spends leisure time or does sports;<\/li><li>want additional protection when traveling and in everyday life;<\/li><li>seeks to ensure the family&#8217;s financial stability in the event of an unexpected disaster.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-27692fa elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"27692fa\" data-element_type=\"section\" data-e-type=\"section\" id=\"product\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cecd725\" data-id=\"cecd725\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-becd197 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"becd197\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-19be731\" data-id=\"19be731\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a12bac0 elementor-widget elementor-widget-heading\" data-id=\"a12bac0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Main risks covered by personal insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a851d8 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-image\" data-id=\"7a851d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/11\/asmens-draudimas-internetu-kaina.webp\" class=\"attachment-full size-full wp-image-7272\" alt=\"asmens draudimas internetu kaina\" srcset=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/11\/asmens-draudimas-internetu-kaina.webp 1920w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/11\/asmens-draudimas-internetu-kaina-300x169.webp 300w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/11\/asmens-draudimas-internetu-kaina-1024x576.webp 1024w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/11\/asmens-draudimas-internetu-kaina-768x432.webp 768w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/11\/asmens-draudimas-internetu-kaina-1536x864.webp 1536w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/11\/asmens-draudimas-internetu-kaina-24x14.webp 24w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/11\/asmens-draudimas-internetu-kaina-36x20.webp 36w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/11\/asmens-draudimas-internetu-kaina-48x27.webp 48w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9924248 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"9924248\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Personal accident insurance covers several main risks. Each of them can be selected according to individual needs or a selected package. <\/p><p> <\/p><p><strong>1. Death due to an accident.<\/strong><\/p><p>The insurance benefit is paid when the insured person dies as a result of an accident.<\/p><p> <\/p><p><strong>2. Bodily injuries (traumas)<\/strong><br>The benefit is awarded when bone fractures, joint dislocations, bruises or other bodily injuries, determined medically, are suffered during the event.<\/p><p> <\/p><p><strong>3. Loss of working capacity<\/strong> (permanent or temporary)<br>If the insured loses his working capacity or ability to work due to an accident, a proportional part of the insurance amount is paid.<\/p><p> <\/p><p><strong>4. Medical Expenses Compensation<\/strong><br>Coverage of treatment, rehabilitation or medication expenses incurred due to an accident (if this risk is included in the insurance).<\/p><p> <\/p><p><strong>5. Sickness benefit or daily allowance<\/strong><br>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.<\/p><p> <\/p><p><strong>6. Additional risks<\/strong> at the client&#8217;s discretion. These may include: <\/p><p>Risks of sports or active leisure activities (e.g. skiing, cycling, etc.)<\/p><p>Protecting children from accidents;<\/p><p>Protection against accidents while traveling abroad.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-419307d elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"419307d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-222acea\" data-id=\"222acea\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a5c58f8 elementor-widget elementor-widget-text-editor\" data-id=\"a5c58f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Get and compare all personal insurance offers from the 5 largest insurers in Lithuania<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-817eb39 elementor-align-right elementor-widget__width-auto elementor-widget elementor-widget-button\" data-id=\"817eb39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/app.manramu.lt\/travel\/?lng=en\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Compare 5 insurers<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bff1cb5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bff1cb5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-859a6df\" data-id=\"859a6df\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-96d4bd9 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"96d4bd9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-995982f\" data-id=\"995982f\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a562b15 elementor-widget elementor-widget-heading\" data-id=\"a562b15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to purchase insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38687f5 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"38687f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>To conclude a personal accident insurance contract, a few steps are enough:<\/p><p> <\/p><p><strong>Submit an application<\/strong> \u2013 provide basic data (name, personal identification number, contacts, selected protection).<\/p><p><strong>Get a quote and choose the option<\/strong> that meets your needs.<\/p><p><strong>Pay the installment<\/strong> &#8211; the contract enters into force after the first installment payment date, but not earlier than the date specified in the contract.<\/p><p><strong>Receive an insurance certificate<\/strong> \u2013 the document is sent by email or submitted to your electronic account. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e681542 elementor-align-right elementor-widget__width-auto elementor-widget elementor-widget-button\" data-id=\"e681542\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/app.manramu.lt\/travel\/?lng=en\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Go to price calculator<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3342d97 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3342d97\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-67a5d87\" data-id=\"67a5d87\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2fd06cf elementor-widget elementor-widget-heading\" data-id=\"2fd06cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What to do in case of damage<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-988711a elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-image\" data-id=\"988711a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/11\/nelaimingu-atsitikimu-draudimas.webp\" class=\"attachment-full size-full wp-image-7273\" alt=\"nelaimingu atsitikimu draudimas\" srcset=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/11\/nelaimingu-atsitikimu-draudimas.webp 1920w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/11\/nelaimingu-atsitikimu-draudimas-300x169.webp 300w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/11\/nelaimingu-atsitikimu-draudimas-1024x576.webp 1024w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/11\/nelaimingu-atsitikimu-draudimas-768x432.webp 768w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/11\/nelaimingu-atsitikimu-draudimas-1536x864.webp 1536w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/11\/nelaimingu-atsitikimu-draudimas-24x14.webp 24w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/11\/nelaimingu-atsitikimu-draudimas-36x20.webp 36w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/11\/nelaimingu-atsitikimu-draudimas-48x27.webp 48w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c01e74e elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"c01e74e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If an accident occurs:<\/p><p><br>1. Seek medical attention immediately and stay safe.<\/p><p>2. Inform the insurance company as soon as possible (by phone or online).<\/p><p>3. Fill out the damage declaration and submit treatment documents or certificates.<\/p><p>4. The insurer will assess the event and transfer the benefit according to the terms of the contract.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-49f3e2d elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"49f3e2d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-70b7c6d\" data-id=\"70b7c6d\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-31eb401 elementor-widget elementor-widget-heading\" data-id=\"31eb401\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">General conditions and restrictions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72d58a6 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"72d58a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Insurance coverage only applies to accidents that occur during the contract period.<\/p><p> <\/p><p><strong>Events that occur due to:<\/strong><br>1. alcohol or drug use;<br>2. intentional self-harm or suicide;<br>3. dangerous activities for which the risk has not been declared (e.g. professional sports, extreme work) are not insured.<\/p><p><br>It is also important to accurately specify the nature of the activity, working conditions and sports activities before concluding a contract.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ffe6737 elementor-align-right elementor-widget__width-auto elementor-widget elementor-widget-button\" data-id=\"ffe6737\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/app.manramu.lt\/travel\/?lng=en\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Go to price calculator<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f257551 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f257551\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8c1b465\" data-id=\"8c1b465\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-baeecf3 elementor-widget elementor-widget-heading\" data-id=\"baeecf3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Important documents<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1b463f7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1b463f7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9fd57e9\" data-id=\"9fd57e9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-23ee756 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"23ee756\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8e2bd23\" data-id=\"8e2bd23\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-217f896 elementor-widget elementor-widget-text-editor\" data-id=\"217f896\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\"><span style=\"color: #2e3642;\"><a style=\"color: #2e3642;\" href=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/Balcia-kelioniu-draudimo-taisykles-lt-003-03-20231006-lt-66f3edbf051dd.pdf\"><span style=\"text-decoration: underline;\">Balcia Travel Insurance rules<\/span><\/a><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f16a085\" data-id=\"f16a085\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bfc0ecd elementor-widget elementor-widget-text-editor\" data-id=\"bfc0ecd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\"><span style=\"color: #2e3642;\"><a style=\"color: #2e3642;\" href=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/BTA-keliones-riziku-draudimo-taisykles-2025.pdf\"><span style=\"text-decoration: underline;\">BTA Travel Insurance Rules<\/span><\/a><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-a38d38b elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"a38d38b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ac7a2c0\" data-id=\"ac7a2c0\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-65fe0d3 elementor-widget elementor-widget-text-editor\" data-id=\"65fe0d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\"><span style=\"color: #2e3642;\"><a style=\"color: #2e3642;\" href=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/Compensa-kelioniu-draudimo-taisykles-galioja-nuo-2020-07-01_4219.pdf\"><span style=\"text-decoration: underline;\">Compensa Travel Insurance Rules<\/span><\/a><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0af3e78\" data-id=\"0af3e78\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6b79520 elementor-widget elementor-widget-text-editor\" data-id=\"6b79520\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\"><span style=\"color: #2e3642;\"><a style=\"color: #2e3642;\" href=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/Ergo-Kelioniu-draudimo-taisykles-Nr.-028-galioja-nuo-2022-07-15.pdf\"><span style=\"text-decoration: underline;\">Ergo Travel Insurance Rules<\/span><\/a><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-044d4e3 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"044d4e3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-1219cdd\" data-id=\"1219cdd\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b77b8cc elementor-widget elementor-widget-text-editor\" data-id=\"b77b8cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\"><span style=\"color: #2e3642;\"><a style=\"color: #2e3642;\" href=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/Gjensidige-ENKelioniu-draudimo-taisykles-galioja-nuo-2021-05-11-anglu-kalba-Nr-0612024-09-10.pdf\"><span style=\"text-decoration: underline;\">Gjensidige Travel Insurance Rules<\/span><\/a><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6aa42c1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6aa42c1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1aa3d07\" data-id=\"1aa3d07\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3c09928 elementor-widget elementor-widget-heading\" data-id=\"3c09928\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">F.A.Q.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69c3b39 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"69c3b39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Purchasing insurance on the &#8220;Man ramu&#8221; Insurance platform is easy, but we understand that you may still have various questions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57be287 elementor-widget elementor-widget-n-accordion\" data-id=\"57be287\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9200\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-9200\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Who can be insured? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-down-icon lucide-chevron-down\"><path d=\"m6 9 6 6 6-6\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-right-icon lucide-chevron-right\"><path d=\"m9 18 6-6-6-6\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9200\" class=\"elementor-element elementor-element-5be0f5d e-con-full e-flex e-con e-child\" data-id=\"5be0f5d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7dbecae elementor-widget elementor-widget-text-editor\" data-id=\"7dbecae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">Persons aged 1 to 70. Individual conditions may apply to older people. <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9201\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9201\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What risks are included? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-down-icon lucide-chevron-down\"><path d=\"m6 9 6 6 6-6\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-right-icon lucide-chevron-right\"><path d=\"m9 18 6-6-6-6\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9201\" class=\"elementor-element elementor-element-3bfd7c3 e-con-full e-flex e-con e-child\" data-id=\"3bfd7c3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2efe46d elementor-widget elementor-widget-text-editor\" data-id=\"2efe46d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">Injuries, accidental death, loss of working capacity, compensation for medical expenses or daily allowances.<\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9202\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9202\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Where is the insurance valid? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-down-icon lucide-chevron-down\"><path d=\"m6 9 6 6 6-6\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-right-icon lucide-chevron-right\"><path d=\"m9 18 6-6-6-6\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9202\" class=\"elementor-element elementor-element-c01a63a e-con-full e-flex e-con e-child\" data-id=\"c01a63a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9254d0f elementor-widget elementor-widget-text-editor\" data-id=\"9254d0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">Optionally \u2013 in Lithuania or worldwide, 24 hours a day.<\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9203\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9203\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Is it valid for sports? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-down-icon lucide-chevron-down\"><path d=\"m6 9 6 6 6-6\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-right-icon lucide-chevron-right\"><path d=\"m9 18 6-6-6-6\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9203\" class=\"elementor-element elementor-element-e1fd456 e-con-full e-flex e-con e-child\" data-id=\"e1fd456\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b287858 elementor-widget elementor-widget-text-editor\" data-id=\"b287858\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">Yes, if sports risk is marked in the personal insurance contract. Additional conditions apply to extreme activities. <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9204\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9204\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Is it valid if the incident occurred while under the influence of alcohol? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-down-icon lucide-chevron-down\"><path d=\"m6 9 6 6 6-6\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-right-icon lucide-chevron-right\"><path d=\"m9 18 6-6-6-6\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9204\" class=\"elementor-element elementor-element-4f71723 e-con-full e-flex e-con e-child\" data-id=\"4f71723\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7369011 elementor-widget elementor-widget-text-editor\" data-id=\"7369011\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">No. Most insurers provide that an event will not be recognized as insured if the insured was intoxicated. <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9205\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9205\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> When does the ban take effect? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-down-icon lucide-chevron-down\"><path d=\"m6 9 6 6 6-6\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-right-icon lucide-chevron-right\"><path d=\"m9 18 6-6-6-6\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9205\" class=\"elementor-element elementor-element-8e3cd36 e-con-full e-flex e-con e-child\" data-id=\"8e3cd36\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b9d23c8 elementor-widget elementor-widget-text-editor\" data-id=\"b9d23c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">From the date specified in the insurance policy when the first premium was paid.<\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9206\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9206\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> How long is the contract valid? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-down-icon lucide-chevron-down\"><path d=\"m6 9 6 6 6-6\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-right-icon lucide-chevron-right\"><path d=\"m9 18 6-6-6-6\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9206\" class=\"elementor-element elementor-element-7815909 e-con-full e-flex e-con e-child\" data-id=\"7815909\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b7a5f0e elementor-widget elementor-widget-text-editor\" data-id=\"b7a5f0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">Usually 1 year, with the possibility of extension.<\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9207\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9207\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Is it possible to insure family members with one policy? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-down-icon lucide-chevron-down\"><path d=\"m6 9 6 6 6-6\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-right-icon lucide-chevron-right\"><path d=\"m9 18 6-6-6-6\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9207\" class=\"elementor-element elementor-element-8f21c08 e-con-full e-flex e-con e-child\" data-id=\"8f21c08\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-31a86c1 elementor-widget elementor-widget-text-editor\" data-id=\"31a86c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">Yes \u2013 some insurers offer family insurance options.<\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9208\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"9\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9208\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> How to submit a claim for damages? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-down-icon lucide-chevron-down\"><path d=\"m6 9 6 6 6-6\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-right-icon lucide-chevron-right\"><path d=\"m9 18 6-6-6-6\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9208\" class=\"elementor-element elementor-element-638a4fb e-con-full e-flex e-con e-child\" data-id=\"638a4fb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f19e574 elementor-widget elementor-widget-text-editor\" data-id=\"f19e574\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\"><div class=\"elementor-accordion-item\"><div id=\"elementor-tab-content-9019\" class=\"elementor-tab-content elementor-clearfix elementor-active\" role=\"region\" data-tab=\"9\" aria-labelledby=\"elementor-tab-title-9019\"><p>Through the insurer&#8217;s website, by email or by directly filling out the form. <\/p><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9209\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"10\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9209\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> How long does it take for an insurance claim to be paid? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-down-icon lucide-chevron-down\"><path d=\"m6 9 6 6 6-6\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-right-icon lucide-chevron-right\"><path d=\"m9 18 6-6-6-6\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9209\" class=\"elementor-element elementor-element-a42da7b e-con-full e-flex e-con e-child\" data-id=\"a42da7b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fc1896d elementor-widget elementor-widget-text-editor\" data-id=\"fc1896d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">Usually within 5-10 business days after submitting all required documents.<\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Who can be insured?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Persons aged 1 to 70. Individual conditions may apply to older people.\"}},{\"@type\":\"Question\",\"name\":\"What risks are included?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Injuries, accidental death, loss of working capacity, compensation for medical expenses or daily allowances.\"}},{\"@type\":\"Question\",\"name\":\"Where is the insurance valid?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Optionally \\u2013 in Lithuania or worldwide, 24 hours a day.\"}},{\"@type\":\"Question\",\"name\":\"Is it valid for sports?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, if sports risk is marked in the personal insurance contract. Additional conditions apply to extreme activities.\"}},{\"@type\":\"Question\",\"name\":\"Is it valid if the incident occurred while under the influence of alcohol?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. Most insurers provide that an event will not be recognized as insured if the insured was intoxicated.\"}},{\"@type\":\"Question\",\"name\":\"When does the ban take effect?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"From the date specified in the insurance policy when the first premium was paid.\"}},{\"@type\":\"Question\",\"name\":\"How long is the contract valid?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Usually 1 year, with the possibility of extension.\"}},{\"@type\":\"Question\",\"name\":\"Is it possible to insure family members with one policy?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes \\u2013 some insurers offer family insurance options.\"}},{\"@type\":\"Question\",\"name\":\"How to submit a claim for damages?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Through the insurer&#8217;s website, by email or by directly filling out the form.\"}},{\"@type\":\"Question\",\"name\":\"How long does it take for an insurance claim to be paid?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Usually within 5-10 business days after submitting all required documents.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d4323d9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d4323d9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bef0db2\" data-id=\"bef0db2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6b7390e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6b7390e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-7b9a519\" data-id=\"7b9a519\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cf5a51b elementor-widget elementor-widget-heading\" data-id=\"cf5a51b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Compare the cost of your insurance:<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a19e6a2 elementor-align-right elementor-widget__width-auto elementor-widget elementor-widget-button\" data-id=\"a19e6a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/app.manramu.lt\/travel\/?lng=en\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Calculate now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b7e1c16 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b7e1c16\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2a705b8\" data-id=\"2a705b8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f77520d elementor-widget elementor-widget-heading\" data-id=\"f77520d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Partners of \"Man ramu\"<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15aee59 elementor-widget elementor-widget-ucaddon_logo_grid\" data-id=\"15aee59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_logo_grid.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<!-- start Logo Grid -->\n<style>\/* widget: Logo Grid *\/\n\n#uc_logo_grid_elementor_15aee59 {\n  display: grid;\n}\n#uc_logo_grid_elementor_15aee59 .ue-logo-title\n{\n  width:100%;\n  position:absolute;\n  bottom:0;\n  text-align:center;\n  left:0;\n}\n\n#uc_logo_grid_elementor_15aee59 div.logo-grid-item\n{\ntext-align:center;\ndisplay:flex;\nflex-direction:column;\njustify-content:center;\nalign-items:center;\noverflow:hidden;\n  position:relative;\n  transition:0.3s;\n\n}\n\n#uc_logo_grid_elementor_15aee59 div.logo-grid-item img\n{\nwidth:100%;\n  object-fit: contain;\n  display:block;\n  mix-blend-mode: normal;\n  position:absolute;\n  top:0;\n  left:0;\n  right:0;\n  bottom:0;\n  height:100%;\n  transition:0.3s;\n}\n\n\n\n#uc_logo_grid_elementor_15aee59 a\n{\n  display:block;\n  position:absolute;\n  top:0;\n  left:0;\n  right:0;\n  bottom:0;\n  cursor:pointer;\n  display:flex;\njustify-content:center;\nalign-items:center;\n}\n\n<\/style>\n\n<div id=\"uc_logo_grid_elementor_15aee59\" class=\"ue-logo-grid uc-items-wrapper \" >\n\t\t   <div class=\"logo-grid-item elementor-animation-float\" >\n   \n\t<a href=\"https:\/\/manramu.lt\/en\/balcia-insurance\/\" > \n\t\n  \n    <img decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/Balcia-logo.svg\" title=\"Balcia\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/Balcia-logo.svg\" alt=\"Balcia logo\">\n      \t\n      \n  <\/a>\n  \t\n<\/div>\n<div class=\"logo-grid-item elementor-animation-float\" >\n   \n\t<a href=\"https:\/\/manramu.lt\/en\/ergo-insurance\/\" > \n\t\n  \n    <img decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/ERGO-logo.svg\" title=\"Ergo\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/ERGO-logo.svg\" alt=\"ERGO logo\">\n      \t\n      \n  <\/a>\n  \t\n<\/div>\n<div class=\"logo-grid-item elementor-animation-float\" >\n   \n\t<a href=\"https:\/\/manramu.lt\/en\/compensa-insurance\/\" > \n\t\n  \n    <img decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/04\/Compensa-logo.svg\" title=\"Compensa\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/04\/Compensa-logo.svg\" alt=\"Compensa-logo\" width=\"142\" height=\"38\">\n      \t\n      \n  <\/a>\n  \t\n<\/div>\n\n    <\/div>\n<!-- end Logo Grid -->\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6850271 elementor-widget elementor-widget-ucaddon_logo_grid\" data-id=\"6850271\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_logo_grid.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<!-- start Logo Grid -->\n<style>\/* widget: Logo Grid *\/\n\n#uc_logo_grid_elementor_6850271 {\n  display: grid;\n}\n#uc_logo_grid_elementor_6850271 .ue-logo-title\n{\n  width:100%;\n  position:absolute;\n  bottom:0;\n  text-align:center;\n  left:0;\n}\n\n#uc_logo_grid_elementor_6850271 div.logo-grid-item\n{\ntext-align:center;\ndisplay:flex;\nflex-direction:column;\njustify-content:center;\nalign-items:center;\noverflow:hidden;\n  position:relative;\n  transition:0.3s;\n\n}\n\n#uc_logo_grid_elementor_6850271 div.logo-grid-item img\n{\nwidth:100%;\n  object-fit: contain;\n  display:block;\n  mix-blend-mode: normal;\n  position:absolute;\n  top:0;\n  left:0;\n  right:0;\n  bottom:0;\n  height:100%;\n  transition:0.3s;\n}\n\n\n\n#uc_logo_grid_elementor_6850271 a\n{\n  display:block;\n  position:absolute;\n  top:0;\n  left:0;\n  right:0;\n  bottom:0;\n  cursor:pointer;\n  display:flex;\njustify-content:center;\nalign-items:center;\n}\n\n<\/style>\n\n<div id=\"uc_logo_grid_elementor_6850271\" class=\"ue-logo-grid uc-items-wrapper \" >\n\t\t   <div class=\"logo-grid-item elementor-animation-float\" >\n   \n\t<a href=\"https:\/\/manramu.lt\/en\/gjensidige-insurance\/\" > \n\t\n  \n    <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/04\/Gjensidige-logo.svg\" title=\"Gjensidige\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/04\/Gjensidige-logo.svg\" alt=\"Gjensidige-logo\" width=\"176\" height=\"44\">\n      \t\n      \n  <\/a>\n  \t\n<\/div>\n<div class=\"logo-grid-item elementor-animation-float\" >\n   \n\t<a href=\"https:\/\/manramu.lt\/en\/bta-insurance\/\" > \n\t\n  \n    <img decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/BTA-logo.svg\" title=\"BTA\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/BTA-logo.svg\" alt=\"BTA logo\">\n      \t\n      \n  <\/a>\n  \t\n<\/div>\n\n    <\/div>\n<!-- end Logo Grid -->\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Personal accident insurance provides financial protection and peace of mind when the unexpected happens.<\/p>\n","protected":false},"author":4,"featured_media":7240,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-8229","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- 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