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 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:
- insurance against disability risk;
- insurance against accidental death risk;
- insurance against traumas.
Disability
In case of disability, insurance is valid against decrease in the body's functional capacity, even if minor organ function disorders are detected.
Accidental death
insurance covers death as a result of injury during an accident.
Trauma
In case of trauma, insurance covers:
- bone fractures;
- joint dislocation;
- soft tissue injury;
- food poisoning;
- meniscus, tendon or ligament tear;
- ligament sprain.
What may be covered by the accident insurance?
Additional products
Medical expenses
insurance covers:
- in case of determination of a level of disability, the costs of rehabilitation, limb, joint, organ prosthetics and the purchase of prostheses and orthopaedic technical means; costs of renting or purchasing a wheelchair; psychological support costs may be compensated;
- in case of any injury, the cost of renting or purchasing crutches and the cost of cosmetic plastic surgery anywhere on the body may be compensated.
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 14 diseases.
Diseases
in the case of one of the 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 diseases.
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).
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).
Additional products
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.) if it is not an official sports competition or training organised by various sports organisations.
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.
Related products
Travel insurance

Personal liability insurance
