õnnetuskindlustust

Accident insurance, or õnnetuskindlustus in Estonian, is a type of insurance designed to provide financial compensation in the event of an accident. This compensation can cover various costs associated with an accident, such as medical expenses, lost income due to inability to work, or even a lump sum payment in case of permanent disability or death. The specific coverage and benefits vary significantly between different insurance policies and providers.

Accident insurance policies can be broadly categorized into personal accident insurance and general liability accident insurance. Personal accident insurance typically covers individuals for injuries or death resulting from an accident, regardless of fault. This can include accidents at home, during leisure activities, or while traveling. General liability accident insurance, on the other hand, protects businesses or individuals against claims for damages or injuries that they may have caused to a third party.

Premiums for accident insurance are usually determined by factors such as the level of coverage chosen, the individual's age and occupation, and any pre-existing health conditions. In some cases, a policy might also offer additional benefits like dental care or rehabilitation services. It is important for individuals to carefully review the terms and conditions of any accident insurance policy before purchasing it to ensure it meets their specific needs.