Страхование от несчастных случаев

Страхование от несчастных случаев

Страхование от несчастных случаев и болезней предусматривает выплату денежной компенсации при наступлении страховых случаев – травмы, инвалидности или смерти Застрахованного работника.

В качестве страхуемых рисков рассматриваются:

Постоянная потеря Застрахованным лицом общей трудоспособности в результате несчастного случая;
Смерть Застрахованного лица, явившаяся следствием травмы, острого отравления и иных несчастных случаев.
Несчастный случай означает внезапное, кратковременное, не зависимое от воли Застрахованного лица событие, которое извне воздействует на организм человека и влечет за собой травматические повреждения или иное расстройство здоровья.
Травматическое повреждение - телесные повреждения, полученные при движении транспортных средств (автомобиля, поезда, трамвая и пр.) или при их крушении, при пользовании машинами, механизмами и всякого рода инструментами, а также телесные повреждения, нанесенные людьми или живыми существами.

Под иным расстройством здоровья понимается:

а) телесные повреждения от ожогов, удара молнии или воздействия электрического тока;
б) отравление химическими веществами и/или ожоги, возникшие при вдыхании или соприкосновении с ядовитыми и/или жгучими веществами, парами или газами;
в) обморожение, утопление, солнечный удар, случайное попадание в дыхательные пути инородного тела, случайное острое отравление ядовитыми растениями.
Под потерей трудоспособности понимается утрата Застрахованным лицом способности к труду при наличии медицинских и социальных показаний.
Страховая защита может распространяться на любой момент времени в течение действия договора (24 часа в сутки) и на несчастные случаи, произошедшие с работником во время исполнения им своих трудовых (служебных) обязанностей.
Лица, подверженные психическим расстройствам и состоящие на учете в психоневрологическом диспансере, страхованию не подлежат.
Сумма страховой премии определяется с учетом степени риска и в соответствии с утвержденными тарифами.
По вопросам обращаться по тел:120 00 70, 120 00 80 (круглосуточно).

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