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Аccident insurance and medical insurance in Ingosstrakh

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One cannot always foresee the accidental events that may impair his or her health. However, one can secure himself/herself and his/her family from financial losses incurred as the result of such unpredictable accidental events as injury, sickness or death of a family member. To do that, all one need to do is obtain an accident insurance policy.

Accident insurance programs are available from Ingosstrakh’s subsidiary SK Ingosstrakh Life.

Insurance risks:

• Accidental death
• Disability as the result of an accident
• Accidental injury
• Hospitalization as the result of sickness or an accident
• Surgery as the result of sickness or an accident.

Terms of insurance

• The insured person should be between 18 and 74 years of age if the insurance covers the risk of death, disability or injury.
• The insured person should be between 18 and 64 years of age if the insurance covered the risk of hospitalization and surgery.
• Insurance of children from 3 to 18 years of age is provided within a family accident policy.
• The insurance contract is executed for the term of one year and shall be in effect in any country at any time of the day.

Insured amount

• The insured amount is determined by the client in agreement with SK Ingosstrakh Life on case by case basis.
• For the risk of accidental death, the maximum size of the insurance indemnity is US$250k.
• For the risk of injury, hospitalization or surgery, the maximum size of the insurance indemnity is US$25k.

Price of the policy

• The insurance tariff is based on the set of insured risks, insured amounts, sex and age of the Insured person.

Payment of insurance indemnity:

• In the event of death of the Insured person, the indemnity is 100% of the insured amount.
• If the Insured person qualifies to have a disability: the indemnity is 100% of the insured amount in the event of 1^st degree disability, 75% for 2^nd degree disability and 50% for 3^rd degree disability.
• In the event of accidental injury, the indemnity is from 3% to 100% of the insured amount depending on the gravity of the injury.
• In the event of hospitalization of the Insured person, the insurer pays for each day of stay in hospital in the amount of 0.5% of the insured amount per 1 day of hospital stay.
• In the event of surgery, the insurer pays between 10 and 100% of the insured amount.