Long-term accident insurance
Accident insurance
Health is the most precious asset, so it is important to take care of your well-being and that of your family. Accident insurance is particularly relevant for young people who are active in leisure activities, play sports and enjoy spending time in nature. This insurance covers a person from birth to 69 years of age and the coverage is valid until 70 years of age.
Coverage is valid 24 hours a day and worldwide.
Interested in consultation on insurance? We are ready to help you.
What we can insure against?
Death
In the event of death as a result of an accident, we will pay the full sum insured for this risk.
Disability
In the event of an insured event, we will pay out the part of the sum insured payable in case of disability, depending on the degree of disability.
Injuries
We can insure against: bone fractures, meniscus, tendon ruptures, joint dislocations, soft tissue ruptures, burns, frostbite (not lower than degree III), cerebral hemorrhages, concussions and concussions of the brain and spinal cord, traumatic damage to internal organs, etc.
Daily allowance
If you choose this insurance cover, we will pay daily allowance if the insured person is temporarily incapacitated for work due to an accident. The amount of the insurance benefit for each day of incapacity for work is set in the insurance contract.
Hospitalisation allowance
We provide an insurance benefit for days of inpatient treatment if the insured person is treated for a fracture, undergoes a surgery for injuries after an accident, etc. The benefit is paid out for the insured father or mother taking care for an injured child in the hospital. The caregiver and the child must be insured under a joint contract, and the suffered injury must be listed as an insured event in the table of benefits. Hospitalisation benefits would help compensate for lost income.
Additional assistance
If you choose this insurance cover, we will provide you with a benefit in the event of an acute illness and cover the necessary expenses of the insured person in the event of an accident.
What we can insure against?
In the event of death as a result of an accident, we will pay the full sum insured for this risk.
In the event of an insured event, we will pay out the part of the sum insured payable in case of disability, depending on the degree of disability.
We can insure against: bone fractures, meniscus, tendon ruptures, joint dislocations, soft tissue ruptures, burns, frostbite (not lower than degree III), cerebral hemorrhages, concussions and concussions of the brain and spinal cord, traumatic damage to internal organs, etc.
If you choose this insurance cover, we will pay daily allowance if the insured person is temporarily incapacitated for work due to an accident. The amount of the insurance benefit for each day of incapacity for work is set in the insurance contract.
We provide an insurance benefit for days of inpatient treatment if the insured person is treated for a fracture, undergoes a surgery for injuries after an accident, etc. The benefit is paid out for the insured father or mother taking care for an injured child in the hospital. The caregiver and the child must be insured under a joint contract, and the suffered injury must be listed as an insured event in the table of benefits. Hospitalisation benefits would help compensate for lost income.
If you choose this insurance cover, we will provide you with a benefit in the event of an acute illness and cover the necessary expenses of the insured person in the event of an accident.
Why to choose ERGO insurance?
If you choose the risks of death, disability and injuries, we will compensate up to 1,500 EUR for cosmetic plastic surgery to remove cosmetic defects or disfigurements within 5 years from the accident. If more than 15% of the disability benefit has been paid to the insured person, we will compensate: • up to EUR 1,000 for rehabilitation and the purchase of orthopaedic technical means; • up to EUR 1,000 for compensation of psychological assistance.
Coverage for children and teenagers – for insured persons under the age of 18, the insurance cover is valid for professional sports and/or extreme sports or leisure time. For adults, this insurance risk can be included by a separate agreement.
You will choose insurance covers and sums by yourself.
In case of conclusion of a long-term contract, the insurance premium is fixed for the entire period.
Terms and Conditions of Accident Insurance
Ikisutartinė informacija draudėjui, sudarančiam draudimo sutartį pagal ERGO bendrąsias gyvybės draudimo taisykles Nr.028
Specialiosios draudimo nuo nelaimingų atsitikimų sąlygos Nr. 028-03.pdf
Effective as of 2022-08-01
