Insurance from casualties is the insurance of the most sacred – own life and health of Insurant or life and health of his near and dear ones. The purpose of the insurance is the financial protection of Insurant or an Insured person by means of reimbursement in case of injury, loss of ability to work or death of Insured person.  

      Insurance from casualties is fulfilled regarding physical persons aged from 3 to 70, in accordance with the Regulations on insurance from casualties approved by the State commission on regulating markets of financial services.  

      Insurance from casualties is fulfilled for the sake of:
      1. temporary loss by an Insured person of ability to work in consequence of casualty;
      2. permanent loss by an Insured person of ability to work in consequence of casualty;
      3. harm to health of Insured person, foreseen by the Table of harms to health in consequence of casualties;
      4. death of Insured person in consequence of casualty.

      Insurance protection is fulfilled under the following Programs:

      1. Program “Work”, foresees the following risks:

      1.1. temporary loss by an Insured person of ability to work in consequence of casualty (**);
      1.2. permanent loss by an Insured person of ability to work in consequence of casualty (**);
      1.3. death of Insured person in consequence of casualty (**);

      2. Program “Life”, foresees the following risks:

      1.1. harm to health of Insured person in consequence of casualties;
      1.2. death of Insured person in consequence of casualty.

Remarks:
(*) Insured persons — physical persons, in whose favour a contract is signed.
(**)A treaty of voluntary insurance from casualty is signed regarding the following risks only:
      1. temporary loss of ability to work – out-patient and in-patient treatment in consequence of casualty;
      2. injury of Insured person in consequence of casualty – injury defined in Table of injuries in consequence of casualties and the sums of reimbursement on insurance events, in consequence of casualty what is integral enclosure to the Regulations of insurance from casualties;
    3. permanent loss by insured person of ability to work – is the loss of ability to work and appropriation to that person of disability group І, ІІ or ІІІ in consequence of casualty;
    4. death of Insured person – is death in consequence of casualty.

01 January 2009