{"id":61200,"date":"2024-12-18T17:52:48","date_gmt":"2024-12-18T16:52:48","guid":{"rendered":"https:\/\/fhi.nl\/?page_id=61200"},"modified":"2024-12-18T17:53:39","modified_gmt":"2024-12-18T16:53:39","slug":"ongevallenverzekering","status":"publish","type":"page","link":"https:\/\/fhi.nl\/en\/fhi-verzekeringen\/ongevallenverzekering\/","title":{"rendered":"Accident insurance"},"content":{"rendered":"
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By: Klap insurance<\/h6>\n\t\t\t\t\n\t\t\t\t

\n\t\t\t\t\tAccident insurance\t\t\t\t<\/h1>\n\n\t\t\t\t
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From a bare collective accident insurance to a Christmas tree cover.<\/h2><\/div>\t\t\t\t\t\t
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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.<\/p>\n

What is an accident?<\/strong><\/p>\n

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.<\/p>\n

An accident also includes, among other things:<\/strong>:<\/p>\n

\u2013 complications or worsening of the accident injury solely as a result of first aid or medical treatment made necessary by the accident;
\n\u2013 infection due to the penetration of germs and\/or allergens into injuries caused by an accident covered by the insurance;
\n\u2013 acute poisoning due to the involuntary ingestion of substances
\n\u2013 drowning, hypothermia, suffocation, frostbite, sunstroke and heat stroke;
\n\u2013 exhaustion, starvation, dehydration and sunburn due to unforeseen circumstances;
\n\u2013 sprain, dislocation and tear of muscle and\/or ligament tissue<\/p>\n

The additional coverages below are not insured for most collective accidents, but the following coverages are insured under the FHI mantle accident insurance.<\/p>\n

These coverages are:<\/p>\n