Accident insurance for employee
ERGO accident insurance for employees provides financial support when it is most needed: when an accident causes damage to an employee’s health.
Accident insurance for your business
Employees are the company’s greatest asset. This is always remembered when they suffer various injuries at work or at home. Employee insurance is a great way to not only provide additional benefits to your employees, but also to protect your company from unplanned financial losses in the event of occurrence of an accident.
Why to choose ERGO?
Validity of insurance coverage
Depending on the needs of your company, we provide employee insurance coverage only during working hours or twenty four hours a day.
Accident insurance coverage is valid worldwide (except for Russia and Belarus)
Coverage of losses
The beneficiary can be both the employee and you as a company. With the employee’s consent and as a beneficiary, when you receive a benefit under employee accident insurance, you will be able to cover the contractual financial losses incurred as a result of the event
Extensive insurance coverage
We will pay the insurance benefit even in those cases when the event occurred as a result of breaches of occupational safety.
Furthermore, the insurance coverage is valid for leisure sports, riding a motorcycle (regardless of its power)
Minor injuries
We insure even against minor injuries, such as sprained ligaments or soft tissue wounds. For a wound, we pay the benefit immediately, without waiting for the scar to form.
We provide insurance coverage based on the risk of injuries in case of diseases caused by ticks (Lyme disease, tick-borne encephalitis), rabies, tetanus, as well as animal bites or insect stings without an additional premium
What may be covered by the accident insurance?
All risks
With accident insurance, we insure against the following risks:
- disability;
- accidental death;
- trauma.
Disability
In case of an employee’s disability we pay insurance benefits even if minor organ function disorders are detected, because we associate disability with a decrease in the body’s functional capacity, not with a decrease in working capacity.
Accidental death
In case of an accidental death of an employee we pay out the one-time benefit selected at the time of the conclusion of the contract.
Trauma
in case of an employee’s trauma the benefit is paid in case of bone fractures, dislocation of joints, injury to soft tissues, food poisoning, rupture of meniscus, tendon or ligament, sprained ligaments.
What may be covered by the accident insurance?
What can we cover additionally?
Loss of working capacity
in case of loss of working capacity of an employee we pay the benefit upon determining a decrease in the level of working capacity of the insured resulting from an accident.
Daily allowance
in the event of occurrence an accident and the employee's temporary incapacity for work, we pay daily allowance for each day of incapacity from the first day (up to 45 days per event).
Hospitalisation allowance
we pay hospitalisation allowance for each day of hospitalisation from the first day (up to 45 days per event).
Critical diseases
In case of an employee’s critical disease:
- we pay a one-time insurance benefit for the risk of critical diseases;
- we offer a wide list of critical diseases (14 critical diseases) including: myocardial infarction, brain stroke, malignant tumour, multiple sclerosis, etc.
Diseases
In case of an employee’s disease:
- we pay a one-time insurance benefit selected at the moment of conclusion of the contract;
- we pay a benefit in case of one of the eleven specified diseases, including: acute appendicitis, meningococcal infection, Lyme disease, tetanus, diphtheria, etc.
Medical expenses
Medical expense insurance covers the following expenses:
- if a disability is established, the following can be paid: psychological support costs (up to EUR 300), rehabilitation, limb, joint, organ prosthetics and prostheses and orthopaedic technical equipment acquisition costs, physiotherapy treatments, physiotherapy classes, massage sessions (up to EUR 6,000), wheelchair rental or acquisition costs (up to EUR 300);
- the costs of renting or purchasing crutches required due to an injury (up to EUR 50) and costs for cosmetic plastic surgery in any part of the body (up to EUR 3,000) can also be reimbursed.
What can we cover additionally?
20+
countries across the ERGO Group
1200
team members in the Baltics
640 000+
customers in the Baltics
90+
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