Accident/illness
Occupational accident insurance
Object of insurance:
Under this insurance, we insure the life, health and working capacity of Bulgarian and foreign natural persons - workers and employees who are in an employment relationship with the insuring employer.
The insurance is mandatory for legal entities - enterprises carrying out economic activity with occupational injuries equal to or higher than the average for the country, according to the Ordinance on compulsory insurance of workers and employees for the risk of occupational accidents.
The economic activities subject to compulsory insurance are determined each year by an Order of the Minister of Labor and Social Policy to determine the occupational injury rate for economic activities to be applied in the following year.
Voluntary "Work accident" insurance can be concluded for enterprises carrying out economic activity with occupational injury rates lower than the national average, but wishing to provide an additional benefit to their workers or employees.
The main (mandatory) risks that we cover under this insurance are:
Death due to an occupational accident;
Permanently reduced work capacity as a result of an occupational accident;
Temporary incapacity due to a work accident.
The optional risks that may be included under this insurance are:
Death due to a domestic accident;
Permanently reduced working capacity due to a domestic accident;
Temporary incapacity due to a domestic accident for more than 10 days;
Temporary incapacity due to general illness for more than 20 days (for groups of more than 20 persons);
Medical expenses and/or repatriation due to an occupational accident;
Medical expenses and/or repatriation due to a domestic accident;
Medical expenses and/or repatriation due to general illness (for groups over 20 persons).
Benefits of insurance
This insurance will provide you with the following benefits:
Free coverage of the risk "Temporary incapacity due to a work accident" if the insured amount is equal to one gross salary;
Option for inclusion in the scope of coverage of occupational accidents acc. Art. 55, para. 2 of CSR, on domestic accidents, validity for abroad, depending on the needs and preferences of the employer;
Facilitated procedures for concluding and making changes to the insurance contract;
Preferences for loyal customers with good insurance risk development.
Where can you take out the insurance?
You can take out "Occupational accident" insurance in all our offices, as well as at insurance intermediaries
