Personal Accident Insurance

Accident insurance is a voluntary form of insurance that provides financial protection to a person who, because of an accident, suffers bodily injury, temporarily loses work capacity, acquires a disability, or dies. This insurance aims to cover the economic consequences of an unforeseen event by offering compensation proportional to the severity of health impairment.

Who can be insured? 
The policy is intended for:

• Individuals, citizens of the Republic of Moldova.
• Residents of the Republic of Moldova. 
  It can be issued individually or collectively, for employees, athletes, pupils, students, or other categories of people.

Insurance period 
The policy duration is flexible: 
From 30 days up to 12 months, depending on the insured’s needs. It can be ideal for seasonal workers, participants in risky activities, business trips, or temporary events.

What risks are covered? 
In case of an accident, the policy provides compensation for:

• Temporary loss of work capacity;
• Establishment of a degree of disability (severe, pronounced, medium);
• Death of the insured person.

What types of accidents are covered?

• Traumas: contusions, bone or dental fractures, burns, internal organ injuries;
• Asphyxiation, drowning, compressions;
• Poisoning by chemicals, snake or insect bites and stings;
• Traumatic shock.

The protection is valid 24/7, regardless of whether the accident occurs at work, home, on vacation, or in other daily circumstances (except as excluded by the policy conditions).

How is compensation granted? 
Depending on the severity of the consequences of the accident, a percentage of the insured amount is paid:

• Severe disability – 100% of the insured sum;
• Pronounced disability – 80%;
• Medium disability – 60%. In case of death, the designated beneficiaries in the policy will receive the full insured amount.

Why choose accident insurance?

• Immediate financial support in case of an unforeseen accident;
• Flexibility in choosing the duration and insured amount;
• Clear and easy coverage – without complicated bureaucracy;
• Ideal for: active persons, workers in hazardous environments, drivers, amateur athletes, parents who want to protect their children, or anyone seeking extra security.

How to get a policy? 
Contact a Donaris Vienna Insurance Group consultant and choose the package that suits your needs. Accident insurance is easy to obtain, affordable, and provides peace of mind that no matter what happens, you and your family have financial support.

Take care of yourself and your loved ones. Choose the protection offered by Donaris VIG accident insurance.