PERSONAL ACCIDENTS
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Collaborating with EFES ICJSC can significantly mitigate the adverse effects of external, unforeseen, and uncontrollable conditions and circumstances.
In our daily lives, accidents are an unfortunate reality, and many of us have experienced health setbacks due to circumstances beyond our control. While efforts can be made to manage and minimize these risks, industries prone to hazards such as mining, manufacturing, shipping, and construction projects often see a high frequency of accidents that can result in loss of life or functionality impairment.
WHO CAN BE INSURED?
Employees of organizations who have not reached 65 years of age, as well as members of their families (children older than 3 years, spouse, parents, siblings) can be insured.
WHAT RISKS CAN BE INSURED?
Insurance coverage may be provided for the following risks arising from an accident.
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Death,
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Functionality impairment,
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Temporary disability,
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Medical expenses,
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Other risks upon the client’s request.
The client may choose a custom package of risks.
WHEN DOES PERSONAL ACCIDENT INSURANCE IN EFFECT?
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24 hours a day
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Only when the insured person performs their work duties,
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At any other time upon agreement of the parties.
The terms of the insurance contract are determined by an agreement with the client:
SUM INSURED (MAXIMUM LIMIT OF INSURANCE COMPENSATION)
The is set by the Insured, agreeing it with the specialists of EFES taking into account that it cannot exceed the quintuple the annual salary of each employee.
In case of the death of the insured person as a result of an accident, the insurer shall pay the insurance compensation in the amount of 100% of the sum insured.
In case of functionality impairment due to an accident, the insurance indemnity shall be provided in the following limits:
a) in case of critical functionality limitation – 100% of the sum insured;
b) in case of severe functionality limitation – 75% of the sum insured;
c) in case of moderate functionality limitation – 50% of the sum insured.
In case of temporary disability as a result of an accident, the insurer shall pay insurance compensation in the amount of 0.3% of the sum insured for each day, but not more than 30% of the sum insured, starting from the 11th day of disability.
INSURANCE RATE
When calculating the optimal insurance rate for corporate personal accident insurance, a number of circumstances are taken into account, such as:
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Type of work of insured persons,
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selected insurance risks,
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number of insured persons,
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age of insured persons,
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term of insurance, etc.:
WHAT IS NECESSARY FOR PURCHASING AN INSURANCE POLICY?
To obtain an insurance policy, you must provide:
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Information on the Insured,
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Passport data of insured persons,
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Other necessary documents.
How To Purchase Personal Accidents Insurance ?
To purchase a contract you simply need to:
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Visit one of the offices of the company,
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Contact +374 (10) 700 800,
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Send a request to EFES official email address: info@efes.am.
OUR ADVANTAGES
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Assignment of a skilled professional to each client,
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Discounts depending on the number of insured persons,
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Individual approach to each client,
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Consolidation of primary and secondary risks and services,
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Flexible pricing,
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Superior and fast service,
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Simple documentation procedure.