> Accident Insurance

The new accident insurance offers: 

• Financial protection in case of accidents
• Advantageous rates, especially for the 1^st risk group
• May be arranged without a medical examination
• The basic rate also covers recreational sports
• Dangerous and extreme sports may be covered by a supplementary insurance
• Also applies to work accidents
• The insurance is valid all over the world
• Option of combining individual types of insurance:

Insurance for death caused by accident

The insurance applies to the death of the insured person due to an accident. The insurance benefits may be selected between 10 000 and 30 000 CZK for children and 100 000 and 1 000 000 CZK for adults. Insurance for death caused by accident may be entered completely independently.

Insurance for death caused by accident in a motor vehicle

Insurance for death caused by accident in a motor vehicle applies to the insured person regardless of whether he/she is the driver or a passenger. Motor vehicles mean non-rail motor vehicles such as e.g. cars, buses, trucks or motorcycles. The insurance benefits may be selected between 10 000 and 30 000 CZK for children and 100 000 and 1 000 000 CZK for adults.

Insurance for death caused by accident in a motor vehicle may be arranged as a supplementary insurance for death caused by accident.

Insurance for permanent effects from an accident

If the insured person experiences an accident which results in permanent effects, he/she will receive insurance benefits corresponding to the extent of the permanent effects. The maximum insurance benefits may be selected between 100 000 and 1 000 000 CZK. Each insured person may choose an insurance benefits variant: either linear insurance benefits, or progressive insurance benefits.

Linear insurance benefits mean that the insured person will receive benefits amounting to a given percentage of permanent corporeal injury, with the maximum benefits amounting to the insured amount.

If the insured person has progressive insurance benefits, he/she will receive benefits amounting to the selected multiplication of the extent of the accident.

Insurance of permanent effects from an accident may be entered completely independently.

If the insured suffers from permanent effects amounting to 70% due to an accident, he/she will receive insurance benefits based on the selected amount between 100 000 and 1 000 000 CZK.

Insurance for disability caused by accident may only be arranged together with insurance for permanent effects from an accident.

Insurance for daily compensation for the time necessary to recover from an accident

In case of an insured accident, the insured person will receive insurance benefits in the selected amount of 100 – 500 CZK per day of necessary treatment of the accident. The guard period is 13 days, meaning that the insurance benefits are only paid in case of treatments exceeding 13 days. Performance is subsequently paid retroactively, i.e. from the 1st day of treatment.

The insured person may choose linear insurance benefits, where the negotiated insurance benefit will be paid for each day, or progressive insurance benefits, where the insurance benefit will, for each day, be multiplied by the number of days of accident treatment.

 We also offer the option of choosing between two variants of insurance benefits – DNL or DNL MAX.

DNL means that insurance benefits will be paid based on the actual treatment period. For DNL MAX, the insurance benefits are paid based on the maximum period for the given diagnosis, as listed in the appraisal tables.

Insurance for daily compensation for the time necessary to recover from an accident may only be arranged together with insurance for permanent effects from an accident or with insurance for death caused by accident.

The purpose of this insurance is the payment of a daily allowance during hospitalization due to an accident. This means that if the client is hospitalized, he/she will receive a daily allowance amounting to 100 – 500 CZK based on the type of arranged insurance, if he/she remained in the hospital for over 24 hours. Each client may use the daily allowance freely and as he/she wishes. Insurance for hospitalization due to accident may only be arranged together with insurance for permanent effects from an accident or with insurance for death caused by accident.

Who is the insurance intended for

• Any person, including citizens of the Czech Republic and foreigners, regardless of their health insurance company may be insured
• The entry age for children is 0 – 15 years
• The entry age for adults is 16-70 years, with an effective duration of up to 85 years of age! 

• 1 month FREE in case of annual frequency of insurance payments
• for VZP Czech Republic policy holders
• group discounts – insurances arranged for at least 2 persons within a single insurance contract
• "loyalty" – when entering an insurance contract after a previous insurance contract for children