If Personal Accident Insurance for you and family

How we help you

Why choose If’s personal accident insurance?

Income is not reduced during recovery
After an accident, you can take a sick leave with a peace of mind, since your income will not be reduced during recovery.
Private doctor or rehabilitation available
As you are recovering from the accident, you can be treated by a private doctor or undergo rehabilitation if needed.
Insure the entire family under one policy
Personal accident insurance is suitable for everyone – women and men, children, and adults working in all fields.

Coverage almost anywhere in the world

Enjoy more peace of mind every day, wherever you or your family members may be – our personal accident insurance provides round-the-clock coverage almost anywhere in the world (except in Ukraine, Belarus, Russia, and Israel).

What types of accidents are covered?

Domestic injuries and traffic accidents

Our home is our castle. However, most of the accidents happen right there – at home. A sleepy misstep in a dark room or a twisted ankle on the stairs can easily result in a painful fall, dislocation, concussion, or even a fracture. Even more injuries can occur while taking care of household tasks indoors or in the garden – for example, burns, cuts, puncture wounds, or even poisoning.

Unfortunately, being cautious is not always enough when moving in the street. In dense traffic, made even more unpredictable by fast-moving bicycles and e-scooters, situations can change in an instant. And if you happen to make a wrong move while distracted, the consequences can be quite serious.

Personal accident insurance works like trauma insurance – it supports you during recovery. In the event of an unexpected injury, you can also see a private doctor and undergo rehabilitation if needed.

Sports injuries (including professional sports and children’s accidents)

Personal accident insurance is like sports insurance because it is in sports that accidents are most common. It makes sense to insure yourself especially if you play sports or have an otherwise mobile lifestyle.

Personal accident insurance is also suitable for children involved in sports. An injured child may need paid medical care or rehabilitation to recover quickly.

Accidents at physical work

Physical work requires not only fitness and endurance but also good attention. A small miscalculation or moment of inattention can lead to an accident.
If you wish, you can add this coverage to your personal accident insurance as well.

Life-threatening conditions

When a family member is diagnosed with a life-threatening illness, the lives of all family members are likely to change dramatically and may not return to normal even after treatment ends. Such life changes can also bring unexpected expenses. Personal accident insurance can help you cope with them.

Coverage for life-threatening conditions includes the following diseases and conditions: malignant tumour, benign brain tumour, heart attack, stroke, aortic aneurysm, and kidney failure.

Girl with an arm in cast. Accidents do happen and if so, accident insurance becomes handy.

Personal accident insurance coverages

Choose the personal accident insurance coverages and amounts that suit you best.

Insurance coverages	Included	Sum insured
Provides support in situations where a permanent health impairment caused by an accident leads to significant expenses – for example, to adapt one’s living conditions. For this reason, it is advisable to choose as high an indemnification limit for permanent disability as possible. When selecting the insured amount, we recommend using at least two years’ income or the remaining balance of any existing loan as a reference. We pay a lump-sum benefit according to the degree of permanent disability if, as a result of trauma, a person sustains permanent health damage and their condition has not improved within one year.	Included	Up to €100 000
Helps alleviate the financial burden of loved ones if the insured person dies as a result of an accident. When selecting the insured amount, we recommend using at least two years’ income or the remaining balance of any existing loan as a reference. The indemnity is paid to the family members or beneficiaries up to the agreed insured amount. A bank can also be designated as the beneficiary.	Included	Up to €100 000
	Optional	Up to €15 000
In situations where you have to wait a long time for medical care, the medical treatment coverage gives you the option to visit a private doctor or undergo a necessary operation. This coverage applies only to medical services provided in Estonia. We reimburse costs based on expense documents, up to the maximum sum insured, except in the case of dental injuries, for which we reimburse expenses up to €200 per tooth.	Optional	Up to €15 000
	Optional	Up to €20/day
	Optional	Sum indicated in the policy
After being diagnosed with a life-threatening illness and going through the subsequent treatment, your life may not return to the way it used to be. Once the initial shock wears off, you are faced with unexpected expenses, which are not always covered by national health insurance. We will pay an indemnity if the policyholder develops one of the illnesses below: malignant tumour, benign brain tumour, heart attack, stroke, aortic aneurysm, kidney failure. To obtain this coverage, contact us at 777 1211.	Optional	Sum indicated in the policy

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Review the insurance terms and conditions

Each insurance contract includes specific insurance terms that we rely on when indemnifying damages when an insurance event occurs. Please always review the insurance terms and conditions for coverage, exclusions, and insured events.

Applicable terms and conditions

Personal accident insurance conditions TPA-20171
Life-threatening conditions insurance conditions TPA-CIS-20131
Table of recompense indemnities for personal accident insurance TPA-CP-20131
Table of severity levels of permanent disability for personal accident insurance TPA-PD-20131
General insurance conditions TG-20211

Information document

Personal accident insurance product information document 2018/01

Previous versions

General insurance conditions TG-20181 (for policies, issued before 01.12.2021)

How does personal accident insurance help?

Active children and sports injuries

Mart collided with a rollerblader while cycling. He suffered a concussion and a knee injury in the fall. If Insurance paid for his knee surgery and indemnified the inpatient fee for the days spent in hospital.
Margus was playing basketball when he suddenly felt a snap in his leg. He was diagnosed with a torn Achilles tendon. If Insurance paid him a recompense indemnity of approximately 6% of the €10,000 insured amount.
Eight-year-old Rain fell off his skateboard and fractured his wrist bone. During recovery, it became clear that he needed rehabilitation for a faster recovery. If Insurance reimbursed his transportation to rehabilitation and massage therapy.

Accidents at home and indoors

A 62-year-old man was trimming a hedge in his yard when he tripped and fell into a bush. A branch hit his eye when he fell, causing him to lose more than 50% of his vision. If Insurance paid a permanent disability indemnity.
While hiking, a 25-year-old woman fell from the top bunk bed at night. The fall was severe – she suffered a concussion, neck strain, and spine injuries. If Insurance paid her daily allowance indemnity, rehabilitation expenses under the medical treatment indemnity, and indemnified the inpatient fee for the days spent in hospital.
Malle slipped on ice and broke her collarbone. Due to treatment in a cast, she was unable to work for 28 days and was on sick leave. If Insurance paid her a daily allowance totalling €320 (€10/day, with the first 4 days paid double).

Accidents in traffic and at work

On her way to work in the morning, a 41-year-old woman got a severe blow from a closing bus door while getting off. She fell and suffered severe abrasions. If Insurance paid her recompense indemnity.
A 47-year-old man suffered a heart attack in the middle of the workday. He was taken to the hospital, but unfortunately, the doctors could not save him, and he passed away. If Insurance paid compensation to his heirs under the life-threatening condition coverage.
A 42-year-old man crashed his car into a roadside barrier. As a result, he seriously injured his hip joint, leading to mobility difficulties – limping, and the need for walking aids even for short distances. If Insurance paid 20% of the €30,000 insured amount.

Kids playing football - and accidents may happen. Accident insurance is there for you to get help faster.

Frequently asked questions

What types of accidents are covered by personal accident insurance?

If’s personal accident insurance indemnifies unexpected and unintentional accidents that cause health damage requiring treatment lasting at least 7 days. Examples include fractures, dislocations, sprains, concussions, burns, as well as poisoning, sunstroke, heatstroke, and other trauma.

How much does personal accident insurance cost?

The price of personal accident insurance depends on the chosen coverages and insured amounts, as well as the age, occupation, and hobbies of the insured persons. You can easily calculate the price using the insurance calculator.

What is the amount of indemnity that is paid in case of an accident?

The amount of indemnity depends on the severity of the injury, the insured amount, and the selected coverages. With If’s personal accident insurance, you can receive the following indemnities:

Permanent disability indemnity: a percentage of the insured sum based on the degree of disability.
Death indemnity: the insured amount for accidental death.
Recompense indemnity: a lump-sum payment calculated as a percentage of the insured sum according to the severity of the injury.
Reimbursement of medical expenses: indemnity for treatment, rehabilitation, and medical aid rental costs up to the insured amount.
Daily allowance: for a working person insured through the Health Insurance Fund, indemnity for days on sick leave for up to one year, with the first 4 days paid double.
Inpatient fee: reimbursement of inpatient fees according to the number of days hospitalized and the insured amount.
Life-threatening condition indemnity: within 30 days after submission of the claim report, an initial compensation (10–25% of the insured amount, depending on the case) is paid, followed by a main indemnity one year later, the amount of which depends on the insured person’s health condition and the insured amount.

How to claim the indemnity?

If an accident occurs, you should seek first aid at the nearest emergency room or call an ambulance. Keep all medical and expense documents – you will need them for the claim.

Submit a claim report online or via the If Mobile app, and attach a medical report extract and expense documents. We will pay you indemnity as soon as the circumstances of the accident and the extent of the injury are clear. The indemnification decision will be sent to you in writing via email or SMS.

Are sports-related accidents covered?

With If’s personal accident insurance, sports accidents – including competitive sports – are covered. When concluding the insurance contract, please indicate which sport you practice to ensure coverage also for higher-risk sports.

Can children be covered by personal accident insurance?

Yes, children can also be covered by personal accident insurance – in fact, we recommend it, as little adventurers often get into mishaps. At If, you can insure your whole family under a single policy.

What is the difference between life insurance and personal accident insurance?

Life insurance pays indemnity in the event of the insured person’s death. Personal accident insurance pays indemnity if the insured person suffers health damage or dies as a result of an accident.

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