Casualty insurance
Influence of the following external factors concerns to accident:
explosion, burn, chilblain, drowning, action of an electric current, impact of a lightning, a sunstroke, an attack of malefactors and animals, stings of the snakes or stinging insects, falling of any subject or Insurant himself, sudden suffocation, casual hit in respiratory ways of an alien body, a casual acute poisoning with poisonous plants, chemical substances (industrial or household), medical products, substandard foodstuff, and also the traumas received at movement of automobiles or at their wreck, at using machines, mechanisms, the weapon and any kind of tools.
 The contract can stipulate the following insurance:
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from accident on plant, including the time of the trip between house and a place of execution of service duties on the transport given by the employer;
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accident insurance on plant and in a private life (24 hours per day);
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accident insurance in a private life;
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insurance during a trip, rest
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insurance for the period of performance of the certain work etc.
The sum insured is stated under the agreement of parties.
In case of insured accident the value of insurance indemnity is:
1. in case of Insured temporary disability as a result of accident - at a rate of 0,03% of the insurance amount per every day of disability, but no more than 90 (ninety) days;
2. after the Insured physical inability setting:
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I group – 100% from sum insured
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II group – 75% from sum insured
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III group – 50% from sum insured
3. in case of Insurant death – 100 % from sum insured
The insurance rate is stated within the limits of from 0,2% up to 2,0% depending on a sort of activity or a profession. |
