Basic difference of insurance upon accident from life insurance is intended only for insurance protection, accordingly, money is paid only in the event that there has come insured event. If the insurance has not worked – no payment will exist.

The insurance from accident can operate differently depending on a set of those risks which you want to include in treaty provisions. It can be loss of time work capacity, professional work capacity or the general work capacity as a result of physical inability reception and also death as a result of illnesses or accident. It is possible to be insured only from accident or only from illnesses.

Programs of insurance upon loss of professional work capacity provide full or partial impossibility of performance of professional duties as a result of illness or accident. At insurance upon time disability it is compensated every day health and impossibility infringements to perform work according to the labor contract. At insurance upon dangerous illnesses insurance compensation will pay if the owner of the policy suffers from a heart attack of a myocardium, a stroke, a cancer, nephritic insufficiency, a paralysis or vital change, for example, is required.

Special programs of insurance
Programs of life insurance and the program of insurance upon accident, as a rule, share on “adult”, “children’s” and “family”.

The program «Children’s variant» of the insurance company allows to cover a full range of accidents which can occur to the child from 2 till 17 years. It is possible to choose the necessary list of risks and the size of the insurance sum on each of them or to choose from standard packages of risks.

If as a result of accident the child receives a serious trauma the insurance company will pay compensation which is defined in the form of percent from the sum established by the contract. If it is necessary for child to receive medical treatment in hospital in connection with accident consequences the insurance company will pay per every day, spent in a hospital, in the size established by the contract. The maximum quantity of days for which compensation is paid is defined by the insurance contract.

Contract period of validity makes 1 year. The payment for the insurance is carried out at a time.

One policy for family provides protection a maximum to the six people living to one address. The insurance operates worldwide 24 hours a day including time of playing sports.

You independently choose the insurance sums on each risk.

The program of insurance upon accident allows to provide with insurance protection at once all family and children join in the program free of charge irrespective of their number.

Many insurance companies offer special programs of insurance upon accidents for travelers. The company offers life insurance and health leaving abroad. Having the insurance policy, at accident or acute disease which has unexpectedly arisen during a trip you or your authorized representative should call at once in dispatching service of the emergency help.

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