Critical illness insurance
Critical illness insurance for employees
Critical illness outbreaks are quite common and can occur at any time. Critical illness insurance provides peace of mind and protection to the family, helps to reduce financial pressure and allows the patient to focus on the necessary treatment and rehabilitation.
Insurance coverage comes into force 3 months from the start of critical illness insurance.
If the insured person falls ill with one of the critical illnesses, we will pay the sum insured of the insured person (after it is paid out, the insurance coverage expires).
Need a consultation on insurance for business? We are ready to help you.
Broader coverage against cancer
If you already have an ERGO life insurance contract with selected critical illness protection, you are also covered against certain types of cancer. This cancer insurance will provide you even more coverage.
List of 17 critical illnesses
Applicable when the insured person is aged 18–65:
- malignant tumour;
- myocardial infarction;
- cerebral stroke;
- coronary artery bypass surgery;
- kidney failure;
- paralysis of limbs;
- total loss of vision (blindness);
- multiple sclerosis;
- heart valve replacement surgery;
- internal organ transplantation;
- aortic surgery;
- Alzheimer’s disease;
- benign tumour;
- deafness;
- loss of speech;
- third degree burns;
- Parkinson’s disease.
When a benefit is paid out?
- 100% of the sum insured is paid out in cases of invasive cancer and advanced malignant melanoma
- 20% of the sum insured is paid out in cases of melanoma in situ, non-invasive (except skin) or early stage cancer
- All minor children of the insured employee are automatically insured with a half of the amount of the insured adult (up to EUR 25,000).
Important to know
After the group insurance policy for employees comes into force, a waiting period of 3 to 6 months, during which diagnosed illnesses will not be considered insured events, is applied. However, in case of occurrence of such event, we will refund the premiums paid for the employee’s cancer insurance.
Some types of tumours and cases of disease are not insured, for example, benign tumours. All cases of non-insured events are described in the Special Terms and Conditions of Cancer Insurance.
When insuring, it is necessary to specify all indications, past illnesses and tests that may affect the insured person’s cancer risk. Correct risk assessment will ensure smooth and fast fulfilment of insurance obligations.
If you have not had any indications that increase the risk, the process of concluding an insurance contract will be simple and fast, it is enough to fill out an insurance application and a health declaration.
Why to choose ERGO insurance?
You may choose the sum insured which is reward-based or fixed.
We provide financial coverage against 17 most common diseases.
Ability to cover employees with additional cancer insurance coverage.
If employees are covered with cancer insurance, the coverage also applies to the insured person’s children (they are insured with a half the amount of an insured adult up to EUR 25,000).
