Personal Accident Insurance

  1. Personal Accident Insurance

Personal accident insurance is suitable for everyone, for the young and old, men and women alike, regardless of the job or hobbies.

  • Income not reduced during recovery

    After an accident, you can go on 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.

Insurance coverages Standard Extra coverages

We will pay the next of kin or beneficiaries an indemnity to the extent of the selected sum insured if the insured person dies within three years of the occurrence of the insured event. We recommend proceeding from 3 to 5 years’ salary or the existing loan balance when selecting the sum insured in the case of an adult. 

Permanent disability

We will pay a one-off indemnity according to degree of disability if a person suffers permanent damage to health as a result of the trauma and their condition has not improved in a year. Such a change in life may bring about major outgoings, which is why we recommend proceeding from 3 to 5 years’ salary or the existing loan balance when selecting the sum insured in the case of an adult. 

Daily allowance

The daily allowance is meant for a working person who must be on sick leave for at least seven days as a result of an accident. 

Recompense insurance

We will pay out a one-off indemnity according to the scale of the injury if recovering from the accident takes at least seven days. 

Health service

Makes it possible to use health services for a charge to help the insured person recover faster from the accident. The indemnity is paid out on the basis of expense receipts to the extent of the sum insured, excl. dental injuries, in the case of which we pay €200 per tooth. 

Life-threatening conditions insurance

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 compensation if the policyholder develops one of the illnesses below: malignant tumour, benign brain tumour, infarction, stroke, aortic aneurysm, kidney failure.

Doing sports

Sport-related accidents and injuries are the most common ones. Taking out accident insurance is particularly relevant if you do sports or otherwise lead an active lifestyle.

Also children who do sports can benefit from the contract. A kid who is hurt may need paid medical care or rehabilitation for a quick recovery.

For example:

  • Tom was riding a bike on a bicycle lane and collided with a roller-skater. He fell and suffered a concussion and a knee injury. If paid for his knee surgery and compensated for the inpatient days for the days he was in hospital.
  • Randy, 8 years old, was skateboarding and took a terrible fall, breaking his wrist. As he was recovering, it appeared that his hand needed rehabilitation for a quick recovery. If compensated for his transport to rehabilitation and massage sessions.

Terms and conditions

  1. Personal Accident Insurance