Personal Accidents insurance is an annual policy which provides compensation in the event of injuries, disability or death caused solely by violent, accidental, external and visible events. You can either take a Personal Accidents policy for yourself or a group policy, or a policy for your family, protecting you anytime of the day.
The types of coverage provided under the Personal Accidents policy include:
- accidental death;
- permanent disablement;
- temporary total or partial disablement;
- medical expenses;
- hospitalization benefits;
Scale of benefits; The scale of benefits refers to the amount of compensation payable by the insurance company in the event of injury to or loss of limb, sight or hearing. It determines the proportion of compensation in respect of the loss suffered. For example, the compensation for the loss of an index finger is determined to be 10% of the sum insured, depending on your policy contract.
Sum Insured; The sum insured is chosen by the insured. It represents the maximum amount of benefit.
Insurance Premium; Highly competitive and it varies from the profession of the insured and the size of the group to be insured.
- Quick underwriting procedures;
- The option to choose among the best clinics in Albania and abroad.