We offer a voluntary accident insurance program created for employees of your organization. This is one of the most reliable and effective way to protect employees from unforeseen expenses related with injury, disability or death.
The implementation of the program will help:
- significantly reduce the financial costs of your organization with material assistance for treatment and rehabilitation of employees;
- reduce management and the trade union organization time to resolve these issues;
- qualitatively increase the social protection system of your team.
An accident – is a sudden, accidental, short-term event, independent of the will of the Insured Person, which actually took place during the term of the Contract and led to a violation of the anatomical integrity and/or physiological functions of tissues, organs, systems.
Occurs as a result of the influence of unfavorable environmental factors:
- physical factors (mechanical trauma from the action of blunt, sharp objects, firearms, as well as all types of mechanical asphyxia, including bites of animals, snakes, insects), trauma resulting from an accident;
- thermal injury from exposure to high and / or low temperatures, electrical injury from atmospheric and / or technical electrics;
- radiation injury from ionizing radiation, barometric trauma from changes in atmospheric pressure;
- biological factors (infectious and / or bacterial toxins, with the exception of food-borne toxic infections-dysentery, salmonellosis);
- chemical factors (chemical burns and poisoning);
- actions of third parties.
Insurance claims for voluntary accident insurance are:
- personal injury of the Insured person as a result of accidents;
- temporary disability of the Insured person due to accidents;
- permanent loss of general working capacity by the Insured person (determination of disability of group III, II or I) as a result of accidents;
- death of the Insured person as a result of accidents.
Benefits of the program:
- the insurance payment is made on fact of illness, disability or death of an employee;
- the amount of compensation is determined in advance by you, as a manager, independently choosing a particular insurance amount for your employees;
- this is an effective way to increase employee loyalty to the company.