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Insurance against accidents is insurance of Your own life and health or the life and health of third parties (names insured) against sudden, accidental, unforeseen event that happened independently of the Insured’s will and caused worsening of health of the name insured.
INSURANCE OBJECTS
The object of insurance is the life and health of the name insured.
THE ORDER OF DETERMINING AMOUNT OF SECURITY
The sum insured is a sum of money within the measures of which the Insurer in conformity with the insurance terms must pay indemnity in case of an insured accident.
The sum insured is set by agreement of the parties when drawing up the insurance agreement.
INSURANCE RISKS
Insurance risk is some possible unforeseen event insured against.
In accordance with these Rules an accident is a sudden, random, and unforeseen event that happened independently of the name insured’s will and caused worsening of health of the name insured (traumatic injuries, accidental acute poisonings, freezing, scalds, rupture of drum membrane, loss of hearing, sight, smell, taste, tick-borne encephalitis) or his death.
Insurance accidents include:
- traumatic injuries and other maladies of the name insured, if they are provided for by the “table of compensation sums” (supplement 1), as a result of an accident that caused temporary loss of working capacity of the name insured or disability;
- death of the name insured as a result of an accident.
The above-mentioned events are insured if they occurred during the period of validity of the insurance agreement, and this is testified by documents issued by competent bodies (medical institutions, court, etc).
EXCEPTIONS FROM INSURANCE ACCIDENTS AND LIMITS TO INSURANCE
The amount of security is not paid if the constant loss of working capacity or death of the Insured person happened as a result of:
a) accidents caused directly or indirectly by military actions;
b) accidents caused by internal conflicts if the Insured took part in them on the side of the instigators;
c) poisoning with alcohol or any other substances taken when drunk, as a result of taking drugs without doctor’s prescription, as well as due to an injury received when drunk or connected with getting drunk;
d) actions of the Insured person which are considered by the investigating bodies or the court as accidental or intentional offence;
e) consequences of an attempt of suicide or a suicide;
f) unfavourable results of diagnostic, treatment or prophylactic measures;
g) accidents caused by epileptic seizures or other fits;
h) accidents caused directly or indirectly by nuclear energy;
i) infections, though the insurance protection remains if the causative agents of the disease entered the body as a result of a injury caused by accident provided for in this agreement. Injuries as a result of accident do not include defects of skin and mucous membranes, that are insignificant in themselves and though which causative agents enter the body immediately or later: this limitation is not valid for rabies or tetanus;
j) deliberate actions of the person appointed to receive insurance indemnity.
k) pathologic changes caused by the main illness.
Cuts which do not damage the wholeness of the main neural-vascular bundles, haematomas, bruises do not belong to the bodily injuries that presuppose the payment of insurance indemnity (or its part) in accordance with “The table of amounts of sums to be paid depending on the kind of trauma”.
The Insurer is not responsible for any consequences of military actions, public disorders, illegal seizure of power.
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