Accident insurance

The maximum insurance period is one year. Accident insurance is valid worldwide.

Professional athletes are not covered. Insurance coverage is valid for recreational sports such as running, skiing, cycling, playing basketball or football, as long as they are not official sports competitions or training organised by various sports organisations.

Daily allowance (per diem) is paid for the period during which you were unable to work as a result of the injury sustained in the accident. Sick pay is paid for the period during which you were treated in hospital for an injury sustained in an accident. The amount of the insurance benefit provided is paid for each day of incapacity or hospitalization.

Due to these risks, insurance coverage is valid in the territory of the Republic of Lithuania, i.e. the insurance benefit is paid according to medical and/or financial documents issued in Lithuania.

In the event of an accident, seek medical attention immediately, within 48 hours at the latest. Obtain and provide us with medical documentation of your diagnosis and treatment. Follow the doctor's instructions and try to minimize the consequences of the accident.

Report an accident within 30 days at the latest, or within 20 days in the event of a death.

The claim will be paid within 7-14 days of submitting all the necessary documents.

Accident insurance benefits due to the death of the insured may be received by the legal heirs (successors). If a written consent of the insured was received before the event, in which a specific person is specified as the beneficiary, in this case, the person specified in the consent can receive the death benefit.

In the case of bone fractures and minor injuries, the amount of the insurance payment depends on the selected insurance amount and the nature of the injury. The amount of the insurance benefit is calculated by multiplying the percentage of the insurance benefit specified in the table of insurance benefits in the rules by the sum insured specified in the insurance policy for that insurance risk. For example, minor injuries are insured for an insurance amount of EUR 10,000. An insurance payment of EUR 800 would be paid for a concussion, i.e. 8% of the injury insurance amount. Due to Achilles tendon rupture - 400 Eur, i.e. 4% of the injury insurance amount. For sprained ankle ligaments - 100 Eur, i.e. 1% of the injury insurance amount.

We insure children from the age of 1 year old. We can also insure a baby up to 1 year old age together with one of the parents. For insured children up to and including 17 years of age, insurance coverage is also valid during sports clubs (including combat sports, e.g. karate, judo, wrestling) without additional payment. Children are also covered at no additional cost for extreme entertainment such as horse riding, go-karting, sailing, wakeboarding, BMX bikes. 

There are certain exclusions specified in the accident insurance policy.

You can cover all family members with accident insurance.