Accident and Illness Insurance
Combined Accident and Sickness insurance for employees — protection for occupational and non-occupational accident, as well as general illness.
Two Levels of Protection, One Policy.
This combined program covers employees both at work and outside it — in the event of an accident or general illness resulting in temporary or permanent disability.
Program at a Glance
Protection Designed Around Your Team
Coverage can be tailored to reflect your team size, budget, and the specific needs of your business.
Accidental Death
A one-off payout to designated beneficiaries.
Permanent Disability
Compensation based on the degree of disability.
Temporary Disability
Daily allowance for the period of sick leave.
General Illness
Financial protection for illness resulting in disability.
Bone Fractures
Compensation according to a schedule based on the type and severity of the injury.
Hospital Stay
A daily amount for each day of hospital treatment.
A Benefit for Companies of Any Size
Coverage can be tailored to reflect your team size, budget, and the specific needs of your business.
From Inquiry to Active Program — Four Steps
Inquiry
You provide the number of employees and your preferred scope of coverage.
Risk Assessment
A brief analysis based on the company's activity.
Quote
We negotiate terms with a leading insurer.
Ongoing Support
Assistance with renewal and in the event of a claim.
Frequently Asked Questions from Employers
Are accidents outside working hours covered?
Yes, cover applies 24/7, regardless of whether the event occurs at work or outside it.
How is compensation for permanent disability determined?
Based on a medical assessment and an established scale for degree of disability.
Can the cover include chronic conditions?
Pre-existing conditions are generally excluded, but coverage is determined on a case-by-case basis.
How do I file a claim?
The employee submits documents through HR or directly to Broker Ins for assistance.
Tailor the Benefits to Your Team
Tell us about your company — we will prepare a tailored quote based on your number of employees and desired cover.