Accident insurance

When you read this, the title seems quite strange. What does a Christmas tree have to do with accident insurance? Of course not that much, but the metaphor all the more. In the past, accident insurance only had two flavors; permanent disability or death. In fact, that coverage is still there, but the concept of accident and everything around it has become much broader. It has become a Christmas tree full of baubles and decorations.

What is an accident?

An accident is a sudden external direct impact of violence on the body of the insured, which causes direct medically verifiable injury. In the Collective Accidents mantle, which is only accessible to FHI members, the concept of accident is however considerably expanded.

An accident also includes, among other things::

– complications or worsening of the accident injury solely as a result of first aid or medical treatment made necessary by the accident;
– infection due to the penetration of germs and/or allergens into injuries caused by an accident covered by the insurance;
– acute poisoning due to the involuntary ingestion of substances
– drowning, hypothermia, suffocation, frostbite, sunstroke and heat stroke;
– exhaustion, starvation, dehydration and sunburn due to unforeseen circumstances;
– sprain, dislocation and tear of muscle and/or ligament tissue

The additional coverages below are not insured for most collective accidents, but the following coverages are insured under the FHI mantle accident insurance.

These coverages are:

• Adjustment of the workplace and the passenger car
• Retraining
• Psychological assistance
• Plastic surgery
• Repatriation.
• The funeral
• Replacement of the employee
• Travel expenses to work or healthcare institution
• The execution of the will
• Legal assistance for the employer.

The collective accident insurance is one of the cheaper forms of secondary employment conditions. Also not unimportant is the premium setting;

Premium:
To be calculated on the basis of the total insured annual salary (depending on the chosen combination) multiplied by the premium percentage.

The premium percentage for this insurance is:

Up to 100 employees 0.20‰

over 100 employees 0.15 ‰

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