--ACCIDENT GRAND

Insured events

The accident implies the sudden, against one’s will sudden, short-term event (accident) as a result of external mechanical, electrical, chemical, or thermal effects on the body of the assured (including third persons’ attack), resulting in harm, bodily injury or death.  

Occurrence of the following events resulting in accident:

1)       death;

2)       disability of (I, II, III groups);

3)       medical expenses;

4)       hospitalization expenses;

5)       evacuation / repatriation.

The Accident Grand program is intended for:

Individuals with high income. In addition a spouse/spouse and children may be insured.

Legal entities

Age limit – up to 70 years

Sum insured

1. “Individual” package

Up to USD 1 000 000

2. “Family” package

When insuring a spouse - 20% of the sum insured,

When insuring children - 2% of the sum insured for each child

Insurance indemnities

·   Death – 100 %

·   Disability of I group – 100%

·   Disability of II group – 70 %

·   Disability of III group – 30 %

·   The hospitalization expenses are paid in the amount of actual expenses incurred, but not more than 2 % of the sum insured.

·   The medical expenses are paid in the amount of actual expenses incurred, but not more than 0.5 % of the sum insured.

Evacuation/repatriation expenses are paid in the amount of actual expenses incurred but not more than USD 10 000 for one Assured.

Insurance period

12 months

Territory of insurance

The whole world, 24/7

Deductible

Not applicable

Insurance premium

Shall be agreed with the reinsurer individually on each assured

Special conditions

Obligatory filing the questionnaire by the Insured and agreement of insurance conditions with the reinsurer.

Exclusions: extreme sports, hunting, alpinism, riding etc.