Voluntary accident and sickness insurance

Accident and sickness protection cover is a type of income protection that provides essential fall-back financial support should You be unable to work and helps You pay the bills if You experience illness or have an accident that leaves You unable to work for a spell or indefinitely.

This policy provides a choice of cover. You can choose a cost-effective plan covering only accident or a comprehensive VIP plan that provides coverage for accident and sickness and covers a broad range of losses.

You can choose any or all of the following risks:

Bodily injury as a result of an accident
Temporary disablement as a result of an accident
Permanent disablement as a result of an accident
Death as a result of an accident

Coverage can be extended to include:

Death or permanent disability due to an illness
Loss of capacity for work due to an accident or illness
Critical illness
Inpatient treatment due to an accident or illness
Surgical, treatment and diagnostic procedures due to an accident or illness

Amounts payable

If an insured person sustains bodily injury, we will pay compensation set forth in the Table of Benefits depending on the severity and pain of the injuries that are suffered.

If an insured person sustains bodily injury that temporary prevents him/her from engaging in his/her occupation, we will pay a disablement gratuity (one-off payment, 0.1% to 1% rate per day, in accordance with a doctor’s certificate or a sick note) as specified in the policy.

If an insured person is categorized as disabled, he/she will be eligible for insurance benefits:

disability group I – up to 100% of the sum insured;
disability group II – up to 100% of the sum insured
disability group III – up to 70% of the sum insured;

If an insured person dies,

we will pay 100% of the sum insured as a death benefit.

If you have any questions about insurance, please contact us

There are different benefits available such as:

You can cover Your working hours including commute to or from work or opt for 24-hour a day protection
You can choose the period of cover which is best for You, such as short or long term cover or such other period as agreed with us.
You can sign up as many enrollees as required; there are no limitations as to the number of enrollees in Your insurance plan.
You are free to choose any cover option out of those mentioned above, subject to underwriting approval.
You can opt for a coverage with agreed individual sum insured, subject to underwriting approval.
During the policy period, You may choose to increase or decrease the sum insured for Your policy, in which case we will charge an additional amount payable on top of the policy premium or refund the part of the premium You have not used, subject to an addendum to Your policy.
You can opt for a single premium or payment at regular installments.
Your policy may provide worldwide territorial coverage.

ENERGOGARANT insurance rates and discounts

Accident and sickness plans designed in ENERGOGARANT offer significant savings because of a flexible system of group discount rates.

When determining the rate, the Company's specialists take into account the following key factors:

Benefits package
Number of enrollees in a plan
Average age
Type of coverage (full 24 hour or working hours)

We reward our customers and offer no claims discounts or renewal discounts.

Accident and sickness insurance allows our customers to take advantage of:

tax benefits which reduce overall insurance costs
employee benefits package
improved employee well-being leading to a greater productivity
lowered financial expenditures due to improved health-related absenteeism rates
good company spirit and positive managerial image

Updated: 28.05.2019