Insurance against incapacity for work

Total disability (loss of participation) is a health condition due to which an insured person is assessed to have a participation level of up to 30% (inclusive) for a continuous period of at least 12 months. In this case, 100% of the sum insured is paid.

A decision on declaring disability (loss of participation) an insured event is made in accordance with the Criteria and Procedure for Determining the Participation Level in force in the Republic of Lithuania and on the basis of a certificate issued by a competent authority authorised to determine the participation level in Lithuania.

Read more about the criteria for determining the participation level.

When choosing the sum insured, it is recommended to consider your income and financial obligations. As a general guideline, you may consider a sum insured equivalent to 3–4 years of income.

The selected sum insured should be sufficient so that a 25% insurance benefit can help compensate for reduced income, while a 100% insurance benefit can help cover essential financial obligations and reduce the impact of an income shortfall if you are unable to work due to your health condition.

Partial disability (loss of participation) is a health condition due to which an insured person is assessed to have a participation level of 31% to 40% (inclusive) for a continuous period of at least 12 months.

In this case, 25% of the sum insured is paid and the insurance cover continues to apply.

Special benefit payment conditions apply to certain mental disorders, mental or consciousness disorders, nervous system diseases and related functional disorders, as described in detail in the insurance terms and conditions.

A decision on declaring disability (loss of participation) an insured event is made in accordance with the Criteria and Procedure for Determining the Participation Level in force in the Republic of Lithuania and on the basis of a certificate issued by a competent authority authorised to determine the participation level in Lithuania.

Read more about the criteria for determining the participation level.

Yes, in certain cases. If a participation level of 31% to 40% (inclusive) is assessed for the first time and 25% of the sum insured is paid, the insurance cover continues to apply.

If a participation level of up to 30% (inclusive) is subsequently assessed, 100% of the sum insured may be paid in accordance with the insurance terms and conditions. Once 100% of the sum insured has been paid, this insurance cover ceases.

In such a case, the total insurance benefits may amount to up to 125% of the selected sum insured.