Fast fixed payment

A table of payments for injuries and clear percentages for disability – no surprises.

24/7 protection

It works at home, at work, in amateur sports, and when traveling – you choose the right area.

Flexible programs and budget

From basic to maximum coverage – to suit your lifestyle and budget.

Accident

Accident insurance

Protection for every day – at home, at work, in sports and on the road. The policy provides for fixed insurance payments in case of injury, disability or death due to an accident. Online registration – electronic policy by email.

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Suitable for

  • For adults and children – individually or as a family package.
  • Students, amateur athletes, active travelers.
  • Business – group programs for employees with single or differentiated limits.

What the policy covers

  • Injuries and medical consequences: fractures, burns, dislocations, and other injuries according to the table of payments.
  • Disability due to an accident: payments as a percentage of the sum insured depending on the disability group.
  • Death of the insured due to an accident: 100% of the sum insured to the beneficiary.
  • Options to choose from: per diem for temporary disability, reimbursement for treatment and rehabilitation, sports expansion.

Where the protection applies

  • 24/7 – at home, at work, at school, while traveling within the selected territory.
  • Coverage area – Ukraine or the world, depending on the program.

Program options

Basic
The sum insured for key risks – injury, disability, death. Suitable for a minimum budget.

Optimal
We add per diems for temporary disability and compensation for certain medical expenses.

Maximum
Increased limits, an extended list of injuries, and an option for active types of recreation.

We agree on limits, deductibles, and a list of risks individually for your scenario.

Important to know

  • The policy does not cover chronic diseases, professional sports, alcohol or drug intoxication, intentional acts, war risks and other exclusions specified in the contract.
  • For certain activities, you may need to extend your coverage or pay a higher rate.

How to make a registration

  1. Choose a program and the sum insured.
  2. Fill out a short questionnaire – indicate your age, occupation, and preferred options.
  3. Pay and you will receive the policy and instructions by email.

What to do in case of an incident

  • Contact your doctor and provide certificates/discharges.
  • Notify the insurer and fill out a claim form.
  • Send a package of documents and we will help you check the completeness.

Documents required for payment

  • Application, copy of the policy, identity document.
  • Medical certificates/extracts, examination results, sick leave, if available.
  • In case of death, the documents of the beneficiary and supporting certificates from the competent authorities.

Public documents

GENERAL TERMS AND CONDITIONS OF THE INSURANCE PRODUCT “ACCIDENT INSURANCE (INCLUDING OCCUPATIONAL INJURY AND OCCUPATIONAL DISEASE)” ” is available at:
General terms and conditions Accident

The information document on the standard insurance product “Accident insurance (including accidental injury and occupational disease)” is available at:
Information document Accident

Frequently asked questions

Is it possible to take out a family policy

Yes, it is more convenient and often more profitable to insure several people in one contract.

Amateur sports – yes, according to the basic program or with an extension. Professional sports – on individually agreed terms.

Upon receipt of the full package of documents, we make a decision within the timeframe specified in the agreement – we will notify you via a convenient channel.

Choose Innovative insurance in INSK!

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