Mandatory insurance for volunteer firefighters brigades | Company "Prestige"

PERSONAL INSURANCE PROGRAM "VFB"

This insurance ensures the protection of life and health for employees of departmental fire protection and members of voluntary fire brigades (teams) while they perform their duties. This insurance is funded by the resources allocated in the budgets for their maintenance by the enterprises, institutions, and organizations where they are established. Employees of local fire protection are insured at the expense of the legal entities maintaining these units, or from the local budget.

Advantages of insuring with Us

By choosing optimal insurance terms with us, you receive:

Timely compensation in the event of an insured incident.
Free informational support on any questions related to insurance and actions in the event of an insured incident.
The ability to receive insurance payouts upon the fact of injury, rather than at the end of the treatment period, which provides faster financial support.

What Is insured and who are the parties to the contract?

What is insured? The life and health of employees of departmental and local fire protection, members of voluntary fire brigades (teams), who, in accordance with current Ukrainian legislation, perform functions of extinguishing fires and liquidating the consequences of accidents.
Who can be the Policyholder?
- An enterprise, institution, organization (legal entity) that maintains units of departmental and local fire protection and voluntary fire brigades (teams).
- The executive committee of the relevant Council, at whose budget the local fire protection unit is maintained.
Who can be the Insured person? An employee of departmental or local fire protection or a member of a voluntary fire brigade (team) who performs, in accordance with current legislation, functions of extinguishing fires and liquidating the consequences of accidents.

Insured risks and insured events

Insured risks:

Death.
Wounding (contusion, trauma, or injury).
Illness incurred by the insured person while performing duties according to an order or assignment, during fire suppression or accident aftermath liquidation.

Insured events and payout amounts:

In case of death or demise of the insured person, their heirs receive 100% of the insurance sum.
For harm caused to the health of the insured person due to their performance of duties related to fire suppression or accident aftermath liquidation, a one-time payment is made upon establishing:
- Group I disability – 100% of the insurance sum.
- Group II disability – 90% of the insurance sum.
- Group III disability – 70% of the insurance sum.
In case of temporary loss of working capacity, the insured person receives 0.2% of the insurance sum for each day, but no more than 50% of the insurance sum.

Insurance sum, cost, and contract term

The insurance sum is set at ten times the annual salary of the insured person for their position on the day of insurance.
The cost of insurance depends on the number of Insured persons, the insurance sum, the insurance tariff, and the presence of insured events in previous insurance years. It ranges from 0.1%, but does not exceed 2% of the insurance sum per Insured person.
The contract term is 1 year.

Territory of the contract

The contract is valid on the territory of Ukraine.

Ensure reliable protection and social support for members of voluntary fire brigades (teams) and employees of departmental fire protection. This is not only a fulfillment of legal requirements but also a recognition of their important and risky work. Contact us to learn more and arrange an insurance policy!