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Accident insurance can be contracted for the financial protection of one’s own employees and/or their family in the event of death or bodily injury with permanent consequences. In the hospitality industry, hoteliers usually insure hotel guests in this way.
Accident insurance covers the risk of death as a result of an accident or permanent disability, death due to illness and temporary inability to work due to an accident – per diems and hospital days, and insurance for medical expenses.
An accident is considered any sudden, unforeseen and independent event that is independent of the will of the insured, and which, acting mostly from outside and suddenly on the body of the insured, results in his death, permanent disability, temporary inability to work, accommodation and treatment in a hospital or bear the cost of treatment.
In this sense, the following cases are particularly considered to be an accident: trampling, collision, impact with or against any object, electric current or lightning strike, fall, slip, wounding with a weapon, some other object or explosive material, stabbing by any object , a blow or animal bite.
You cannot prevent an unwanted event, but by contracting an insurance policy you can reduce the consequences! Contact us to help you find the best insurance solution tailored to your needs.
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