Accident Insurance

Accident Insurance Axiom

Group Accident Insurance provides effective insurance protection against the risks of accident, both on and off the job, including work-related accident and occupational disease. Core benefits can be paired with standard and additional benefits to address the financial and health risks facing employees.

Covered risks

  • BulletDeath due to an accident

The following optional covers may be included

  • BulletPermanent disability due to accident
  • BulletTemporary disability due to accident
  • BulletReimbursement of medical expenses following an accident
  • BulletPer diem allowance for hospital stay/hospitalization
  • BulletReimbursement of expenses for surgical treatment
  • BulletMedical transportation expenses
  • BulletTransportation (repatriation) and burial expenses.

Advantages

  • Flexible options of coverage that fits your organization’s needs
  • For group policies no health risk assessment required

Accident and Illness Insurance

The insurance provides protection against accidents occurring at home or in the work place premises, or an acute illness, which may have an adverse impact on your life and health. Check out the different levels of cover to see which one would suit you best. 

Covered risks

  • BulletDeath due to accident or illness
  • BulletPermanent disability due to accident or illness

The following optional covers may be included

  • BulletTemporary disability due to accident or illness
  • BulletReimbursement of medical expenses
  • BulletPer diem allowance for hospital stay/hospitalization
  • BulletReimbursement of expenses for surgical treatment
  • BulletMedical transportation expenses
  • BulletTransportation (repatriation) and burial expenses.

Advantages

  • Ensure professional care and a high standard of treatment
  • Fast access to treatment and rehabilitation in case of accident

Documents for download

Occupational Accident Insurance

Occupational Accident Insurance is a mandatory insurance, according to the Ordinance on compulsory insurance of workers and employees for the risk of occupational accident, regulated in art. 55, para. 1 of the Social Insurance Code. The insurance coverage provides benefits to employees who suffer injury or death in a job-related accident. The costs of the compulsory Occupational accident insurance are borne by the employer.

Covered risks

  • BulletDeath due to occupational accident
  • BulletPermanent disability due to occupational accident
  • BulletTemporary disability* due to occupational accident

* The temporary disability and the level of permanent disability are certified with sick notes and expert decisions issued by the relevant competent body upon the medical assessment of the working capacity

The following optional covers may be included:

  • BulletTemporary disability due to an occupational accident for an insured amount selected by agreement
  • BulletReimbursement of medical expenses following an occupational accident
  • BulletPer diem allowance for hospital stay/hospitalization due to occupational accident

Advantages

  • Designed to offer adequate insurance protection
  • Financial assistance in case of loss of working capacity
  • Quick claim procedure
  • Clear rules for the payment of benefits.

Sports Accident Insurance

Our Sports Accident Insurance policy is designed to protect athletes actively engaged in sports on an amateur or professional basis in sports or fitness halls, centres, clubs, sports teams, unions and federations, as well as coaches and sports judges. It is customizable to meet the needs of a wide range of organizations and individuals.

Covered risks

  • BulletDeath due to an accident during sport events and trainings
  • BulletPermanent disability due to an accident during sport events and trainings

The following optional covers may be included

  • BulletTemporary disability due to an accident during sport events and trainings
  • BulletMedical expenses due to an accident during sport events and trainings
  • BulletPer diem allowance for hospital stay/hospitalization due to an accident during sport events and trainings
  • BulletDeath due to domestic accident
  • BulletPermanent disability due to a domestic accident
  • BulletTemporary disability due to a domestic accident
  • BulletMedical expenses and/or repatriation following a domestic accident

Advantages

  • Comprehensive protection in the event of an accident
  • Flexibility in coverages and period of insurance
  • Option for Premium Installment payment for Group policies

Student & Teacher Accident Insurance

Our Student & Teacher Accident Insurance policy is designed to protect nursery and kindergarten age children, primary and secondary school students, students in higher education institutions, as well as the teachers and tutors, administrative and school support staff from unexpected accidents and injuries. The benefits provide 24-hour protection anywhere: during the learning process, study practices and sports, at home, vacations, camps, excursions and trips. For organisations that want to provide affordable one-year group accident insurance coverage age and health assessment is not required.

Covered risks

  • BulletDeath due to an accident (coverage is active for persons over 14 years of age)
  • BulletPermanent disability due to an accident

The following optional covers may be included

  • BulletTemporary disability due to an accident
  • BulletMedical expenses as a result of an accident
  • BulletPer diem allowance for hospital stay/hospitalization following an accident

Advantages

  • Flexible choice of sum insured
  • Easy selection of a package of coverages, fully tailored to the age of the insured persons

Hotel Guest Insurance

Our Hotel Guests Accident Insurance policy is designed for persons offering hotel services on the territory of Bulgaria: owners of hotels, motels, private lodgings, bungalows, chalets, tourist bedrooms etc. and applies to Bulgarian or foreign citizens over 3 years of age staying in them. In case of a valid insurance contract, the insurance of each guest shall become effective after the check-in at the hotel and payment for the accommodation.

Covered risks

  • BulletDeath and permanent disability due to an accident
  • BulletMedical expenses due to an accident or acute illness
  • BulletTransportation and repatriation costs due to accident or acute illness
  • BulletPartial or total loss of personal baggage due to fire, natural disasters or burglary 
  • BulletPublic liability of the hotel guest for material and/or non-material damage caused to third parties, after an effective court decision.

Advantages

  • Peace of mind and insurance protection in case of unexpected events occurring on the territory of the hotel and its adjacent territories
  • Medical assistance, if necessary, incl. transportation and repatriation

Borrowers Accident and illness insurance

Borrower's insurance is a financial protection for the loan received from a financial institution if, as a result of an accident or illness, to help you cover your monthly repayments if you are unable to work. The purpose of the insurance is to reduce the borrower's risk of becoming indebted due to disability, unemployment or death.

Covered risks

  • BulletDeath due to accident or illness
  • BulletPermanent disability greater than 70% due to accident or illness

Additional covers

  • BulletTemporary disability due to accident or illness
  • BulletUnemployment.

Advantages

  • Peace of mind in case of adverse events
  • Financial protection of credit obligations.

Contact us