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Insurance object: Property interests related to harm caused to the life and health of the insured as a result of accidents and other events specified in the insurance contract.


Insurance time:


  • During working hours; while performing labor (official) duties.
  • 24 hours a day; during working hours + non-working hours (at home).
  • During the time of competitions and training camps for sports teams and groups.
  • 24 hours a day; including the time of competitions and training camps for sports teams and groups. 

Territory of insurance coverage 

It is established and can extend to the Republic of Kazakhstan, CIS, or worldwide.


Voluntary Accident Insurance (ДС)

Accidents:

  • injuries (bodily harm), bruises, sprains, wounds, fractures, dislocations;
  • burns, frostbite, heatstroke, drowning, electric shock or lightning strikes;
  • sudden suffocation due to the accidental entry of a foreign body into the respiratory tract;
  • accidental acute poisoning by poor-quality food products, toxic, poisonous, and chemical (industrial or household) substances, medicines;
  • injuries caused by contact with animals, insects, insect and snake bites, poisonous plants.


Insurance cases resulting from an accident:

  •     Death of the Insured as a result of an accident.
  •     Permanent loss of ability to work, with assignment of disability group I, II or III.
  •     Permanent loss of ability to work, without assignment of disability.
  •     Temporary loss of ability to work.

Insurance benefit is paid in the following amounts, depending on the insured event:
   
  • Death - 100%.
  •     Disability of group I - 80%.
  •     Disability of II group 60 %.
  •     Disability of III group 40%.
  •     Persistent loss of ability to work, without assignment of disability 20 %.
  •     Temporary disability up to 20% of the sum insured, at the rate of 0.05% - 0.2% for each day of treatment or disability.

insurance rate


The insurance rate is set depending on the degree of danger of the Insured's professional activity from 0.2% to 1.0%. Increasing coefficients are applied for especially dangerous activities and sportsmen.

Sum insured and insurance term shall be set in the contract upon agreement of the parties depending on the wishes of the Policyholder.


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