Accident insurance: Protection and financial support

Accidents can happen anywhere, anytime. Events like injuries or sudden health disorders can lead to not only physical pain but also significant financial losses due to treatment costs and loss of working capacity. PRESTIGE Company offers to help you find the optimal accident insurance policy, which will provide you and your employees with reliable financial protection and peace of mind in the event of such unforeseen circumstances.

Advantages of insuring with PRESTIGE Company

By choosing us, you get:

• Compensation for lost income (salary): Receive compensatory payments during treatment and loss of working capacity.
• Flexibility in choice: Ability to choose the insurance sum, insured risks, option, and term of insurance, including coverage within a daily time interval.
• Free informational support: Our specialists will provide comprehensive consultations on any issues related to insurance and actions in the event of an insured incident.
• Prompt payouts: Opportunity to receive insurance payments upon the fact of injury, rather than at the end of the treatment period, which allows for faster coverage of urgent expenses.

What is insured and who can be the parties to the contract?

• What is insured? Property interests that do not contradict the law and are related to the life, health, and working capacity of the insured person.
• Who can be the Policyholder? A legally capable individual (resident or non-resident of Ukraine, stateless person), as well as a legal entity regardless of the form of ownership.
• Who can be the Insured person? Citizens from 1 to 70 years old. 

What constitutes an insured event?

An insured event is:

• Death (loss of life) of the insured person.
• Establishment of disability Group I-III for the insured person (including a change to a higher disability group).
• Traumatic injury or other health disorder of the insured person. 

Insurance conditions: sum, cost, and term

• What is the insurance sum? The insurance sum can be set from 1,000.00 to 50,000.00 hryvnias.
• How much does the insurance policy cost? The cost of the policy depends on the chosen insurance option, the insurance sum, the term of the insurance contract, and the profession of the Insured persons. The annual insurance tariff ranges from 0.1% to 5.0% of the insurance sum.
• For what term can the insurance policy be concluded? The contract can be concluded for a term from 1 day to one year. 

What are the sizes of insurance payouts provided for by the contract?

The amounts of insurance payouts are determined as follows:

• In case of death (loss of life) of the insured person – 100% of the insurance sum.
• In case of establishment of initial disability (including a change to a higher disability group):
  • Group I – in the amount of 70% - 100% of the insurance sum.
  • Group II – in the amount of 50% - 80% of the insurance sum.
  • Group III – in the amount of 30% - 60% of the insurance sum.
• In case of traumatic injury or other health disorder – in amounts determined by a special table of insurance payouts. 

Territory of the сontract and required documents

• Territory of the contract? The contract is valid on the territory of Ukraine, unless otherwise agreed between the parties when concluding the insurance contract.
• What documents are needed for policy issuance? Certificate of identification number assignment, Policyholder's passport, and the insured person's passport.

Ensure reliable financial protection for yourself and your employees in case of unforeseen situations. Contact PRESTIGE Company today to receive a consultation and conclude an accident insurance contract.