PERSONAL ACCIDENT INSURANCE
COVERAGE
- Total permanent invalidity: which means, total impossibility of the Insured, caused by the accident, to do his job in his profession or any other job, diagnosis certificated like this (invalidity) by the competent medical authority, after a year from the occurence of this invalidity.
- Partial permanent invalidity, is the anatomic loss or functional damage, as consequence of the accident, of one or some of the organs and/or limbs of the Insured, which result in physical injuries and as a consequence brings invalidity to work.
- Temporary total invalidity, means the invalidity of the Insured, caused by the accident, to temporarily (up to 1 year) fulfil his duties in his profession.
- Temporrary partial invalidity, means, the Insured invalidity, caused by the accident, to fulfill the fundamental part of his job, in the Insured profession.
- Accidental death, is the death caused by an accident, but not later then 12 months from the accident’s date.
- Disappearance, the Insured will be considered as disappeared, if his body could not be found within 12 months from the accident’s date, as long as there exists sufficent evidence that the accident is the cause of the Insured’s death.
- Medical expenses, include the expenses for the hospital treatment and surgery, expenses for the medicaments reccomended by the doctor, ray treatment, expenses of the Insured transportation to hospital (when this transportation requires specif conditions and is undertaken by the public health service), and even the expenses of special medical consults, which are as a result of the accident.
- Loss of a limb, means, physical or functional loss, as a result of the accident, of a hand up to or over the elbow articulation, or of a leg up to or over the knee articulation.
CLAIM DOCUMENTS
- original insurance police;
- the notification of the Insurer within 48 hours from the moment of being concious of the loss case;
- the accident verifying documents from the competent organs;
- documents from the medical entities on the Insured health condition and the original invoices for medical expenses.
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