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Accident Insurance
PVZP0804 kategorie – uraz

Accident Insurance for Adults

Financial protection in the event of an accident

Financial compensation for medical injury caused by the accident and income replacement to maintain the insured’s normal standard of living. Children aged 0-15 years old can take out accident insurance through their parents or legal guardians, the so-called Teddy Bear insurance, and people aged 16-70 years old can take out insurance up to 85 years old!

Benefits

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Accident Insurance Accident Insurance for Adults

Benefits

  • When arranging this insurance, there is not need to undergo a medical examination, obtain confirmation from a doctor or to complete a medical questionnaire
  • Also covers work accidents
  • The insurance applies covers accidents that occur in the Czech Republic as well as worldwide
  • Daily compensation for the necessary treatment period following an accident can be set up so that it is paid out IMMEDIATELY upon the establishment of a diagnosis
  • The basic insurance also includes recreational sports
  • Option of arranging supplementary insurance for hazardous sports
  • Can be combined with individual types of insurance
  • Premiums can be paid annually, semi-annually, quarterly or monthly
  • If you pay on an annual basis, you will receive one month’s insurance FREE

Accident Insurance Accident Insurance for Adults

What does the insurance cover?

  • Insurance of accidental death
  • Insurance of accidental death in a motor vehicle
  • Insurance of the permanent effects of an accident
  • Insurance of accidental disability
  • Insurance of physical damage caused by an accident
  • Insurance of daily compensation for the necessary treatment period following an accident
  • Insurance of hospitalisation as a result of an accident

Accident Insurance Accident Insurance for Adults

Example of insurance

Male, 35 years old, administrative employee, concludes accident insurance with Pojišťovna VZP, a. s. with the following parameters:

Accidental death CZK 500,000
CZK 182
Accidental death in a motor vehicle CZK 500,000
Permanent effects of an accident – progressive benefit CZK 200,000
Insurance of accidental disability CZK 200,000
Insurance of daily compensation for the necessary treatment period following an accident – progressive benefit CZK 100/day
Insurance of hospitalisation as a result of an accident CZK 100/day
The monthly premium for the entire accident insurance will come to only CZK 182, i.e. approximately CZK 6 per day.

Fall off the bike

The young man suffered broken tibias after falling off his bike. Surgery was required with a 10-day hospital stay followed by 3 months of incapacity for work. In the case of such an injury, the client received CZK 900 for hospitalization, CZK 10,000 for the necessary treatment and, in the case of permanent damage (assessed at 30% according to the tables), another CZK 120,000. In total, the insurance company paid him CZK 130,900, which prevented a loss of income to the family budget and thus prevented the proper repayment of the mortgage and consumer loan.

Accident Insurance Accident Insurance for Adults

How is the insurance arranged?

You can arrange accident insurance online.

You can arrange accident insurance at Pojišťovna VZP, a. s. and VZP ČR sales points.



Accident Insurance Accident Insurance for Adults

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Accident Insurance Accident Insurance for Adults

FAQs

On what principle does accident insurance work?

Accident insurance provides you with financial compensation in the event of an accident, so that you don’t lose the standard you’re used to due to a loss of work or, for example, the permanent consequences of an accident.
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Do I need to have a medical examination before taking out accident insurance?

No, we do not require a medical examination to take out accident insurance.
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Does accident insurance also cover accidents at work?

Yes, accident insurance from PVZP also covers injuries that occur at work and in the workplace.
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Where is accident insurance valid?

Accident insurance from PVZP is valid in the Czech Republic and also worldwide.
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What age range can I take out accident insurance?

Accident insurance can be taken out by anyone from birth (through their legal guardians) up to the age of 70 with cover valid up to the age of 85.
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Can I take out accident insurance even if I play a risky sport?

Yes, it is possible to take out accident insurance for different activities and sports depending on the risk.
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