Õnnetuskindlustus

Õnnetuskindlustus, also known as accident insurance, is a type of insurance that provides financial coverage in the event of an accident. This coverage can help with expenses such as medical bills, lost wages, and rehabilitation costs resulting from an accidental injury. Policies can vary significantly, offering different levels of protection and covering a range of circumstances.

Typically, accident insurance covers injuries sustained in accidents, which can include traffic accidents, falls, sports injuries, and other unforeseen events. The benefits provided may encompass lump-sum payments upon diagnosis of specific injuries, daily allowances for hospitalization, or coverage for permanent disability resulting from the accident. Some policies also offer death benefits to beneficiaries if the accident proves fatal.

It is important for individuals to carefully review the terms and conditions of any accident insurance policy. This includes understanding what events are covered, the scope of benefits, any exclusions, and the claims process. Accident insurance can be purchased as a standalone policy or as an add-on to other insurance products, such as life or health insurance. It serves as a financial safety net, helping individuals and their families manage the economic impact of unexpected injuries.