Accident insurance
Do you enjoy active leisure with your friends, choose exploring nature with your family or maybe simply want to feel more relaxed in your daily life? With your accident insurance you can feel more secure no matter which activities you prefer. You can take out insurance for yourself or your family right now.
Accident insurance will protect you in everyday life
The greatest wealth is health and life; thus, it is important to take care of yourself and your family by taking accident insurance. Our accident insurance will help you in the event of a trauma or unexpected injury and provide financial support when you need it most.
We will take care of your financial stability
In case of occurrence of an unexpected event, you will receive a benefit that will provide financial support when you need it most.
We will also provide you with relevant protections
You will feel more protected if you choose additional products such as daily allowance, hospitalisation allowance, insurance against additional diseases and/or critical diseases.
We will offer you the most convenient way to get insured
Get your accident insurance conveniently online, by telephone or at customer service units.
Accident insurance online
ERGO online insurance is a faster and more convenient way to take care of your accident insurance. Use our insurance calculator to find out how much it will cost you.
Price of accident insurance and personalised offer to you
What may be covered by the accident insurance?
All risks
Accident insurance consists of the following products:
- long-term injury consequences risk;
- insurance against accidental death risk;
- insurance against traumas.
These insurance conditions are applied in accordance with ERGO Accident Insurance Rules No. 009 (valid from 2025.11.03).
Long-term injury consequences
- insurance for long-term injury consequences covers: serious bodily injuries that cause long-lasting impairment of organ or body part functions.
These insurance conditions are applied in accordance with ERGO Accident Insurance Rules No. 009 (valid from 2025.11.03).
Accidental death
- insurance covers death as a result of injury during an accident.
These insurance conditions are applied in accordance with ERGO Accident Insurance Rules No. 009 (valid from 2025.11.03).
Trauma
In case of trauma, insurance covers:
- bone fractures;
- joint dislocation;
- soft tissue injury;
- food poisoning;
- meniscus, tendon or ligament tear;
- ligament sprain.
These insurance conditions are applied in accordance with ERGO Accident Insurance Rules No. 009 (valid from 2025.11.03).
What may be covered by the accident insurance?
Additional products
Medical expenses
In case of insured event medical expenses insurance covers:
- in case long-term injury consequences are determined, costs related to prosthetics or replacement of limbs, joints, or organs, as well as psychological assistance expenses, may be reimbursed.
- in case of trauma, the costs of acquiring or renting orthopedic technical aids (e.g., braces, crutches, walking sticks, etc.), as well as the costs of acquiring or renting a wheelchair, and cosmetic plastic surgery expenses for any part of the body may be reimbursed.
These insurance conditions are applied in accordance with ERGO Accident Insurance Rules No. 009 (valid from 2025.11.03).
Critical diseases
- insurance covers upon diagnosis of a critical illness, a one-time insurance benefit for the risk of critical illnesses is paid out. The list of critical diseases is extensive: even 19 diseases.
These insurance conditions are applied in accordance with ERGO Accident Insurance Rules No. 009 (valid from 2025.11.03).
Additional diseases
- in the case of one of the additional diseases, such as acute appendicitis, meningococcal infection, rabies, tetanus, measles, botulism, gas gangrene, diphtheria, perforated stomach ulcer, a one-time insurance benefit is paid for the risk of additional diseases.
These insurance conditions are applied in accordance with ERGO Accident Insurance Rules No. 009 (valid from 2025.11.03).
Daily allowance
- in the event of an accident and temporary incapacity for work, daily allowances are paid for each day of incapacity from the first day (up to 45 days per event).
These insurance conditions are applied in accordance with ERGO Accident Insurance Rules No. 009 (valid from 2025.11.03).
Hospitalisation allowance
Hospitalisation allowance covers:
- in the event of an accident and temporary incapacity for work, daily allowances are paid for each day of incapacity from the first day (up to 45 days per event).
These insurance conditions are applied in accordance with ERGO Accident Insurance Rules No. 009 (valid from 2025.11.03).
Additional products
Related products
Home insurance
Personal liability insurance
Why to choose ERGO insurance?
We also provide insurance to those who like active sports during their leisure time (running, skiing, cycling, playing basketball or football, etc.).
We provide insurance coverage even for motorcyclists, regardless of the power of motorcycles.
We insure against minor injuries, tick encephalitis and Lyme disease without an additional premium according to the insurance against traumas.
We take care about you, thus, we pay an insurance benefit according to the size of the wound immediately after the accident, without waiting for the scars to form.
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