1. Death due to accident
In case of the insured’s death caused by an accident, the stipulated insured sum will be paid out. In case of death, DDOR osiguranje provides financial support to the insured’s family and loved ones, making it easier for them to deal with the tragic situation.
2. Death due to traffic accident
In case of the insured’s death caused by a traffic accident, the stipulated insured sum will be paid out. This type of insurance aims to provide financial security to the insured’s family and loved ones in the face of tragedy.
3. Surgical interventions due to accident
If the insured sustains injuries in an accident, which require a surgical intervention, the stipulated insured sum – i.e., the corresponding percentage of the stipulated sum, will be paid out. The amount of payment will be determined based on the insurer’s Table of surgical interventions, meaning that the insured will receive financial support in order to cover treatment and recovery costs.
4. Surgical interventions due to illness
If the insured needs to undergo a surgical intervention due to an illness, the stipulated insured sum – i.e., corresponding percentage of the stipulated sum, will be paid out. The amount of payment will be determined based on the insurer’s Table of surgical interventions, meaning that the insured will receive the necessary financial support in order to cover surgery and post-operative treatment costs.
5. Dread diseases 15
If the insured is diagnosed with one of the dread diseases listed in the insurance terms and conditions, he/she will benefit from the stipulated insured sum. After the insured sum for one of these diseases has been paid out, insurance will no longer cover any further risks associated with dread diseases. This package provides financial protection in case of major health issues, and supports insureds when they need it the most.
6. Dread diseases 30
If the insured is diagnosed with one of the dread diseases listed in the insurance terms and conditions, he/she will benefit from the stipulated insured sum. After the insured sum for one of these diseases has been paid out, insurance will continue to apply for other dread diseases, in that way providing further protection. This package ensures long-term security in the event of major health issues. What’s more, the price of insurance also includes coverage for children, in the amount of 1/3 of the stipulated insured sum, meaning that the whole family is protected.
7. Insurance against malignant diseases
If the insured is diagnosed with a malignant disease, he/she will benefit from the stipulated insured sum, which provides financial support in case of invasive and non-invasive cancer. What’s more, the price of insurance also includes coverage for children in the event of invasive cancer, in the amount of 1/3 of the insured sum.
8. Bone fracture
Accident insurance implies the payment of the stipulated insured sum, i.e., the corresponding percentage of this sum in the event of a bone fracture. The amount of indemnity is determined based on the insurer’s Table of bone fractures, and provides financial support to the insured while recovering after an accident.
9. Hospital days following an accident
Payment of the stipulated daily allowance for a hospital stay needed to treat injuries sustained in an accident. This insurance is part of the EPIDEMIK PROTEKT package, designed to provide additional security, including assistance such as consultations with physicians, organizing transportation, and delivering medicines or food.
10. Hospital days in case of an illness
Payment of the stipulated daily allowance for a hospital stay needed to treat an illness or for childbirth. This insurance is part of the EPIDEMIK PROTEKT package, designed to provide additional support in the form of assistance such as medical consultations and organizing the necessary support during recovery.
11. Temporary disability
Payment of the stipulated daily allowance during the period of temporary disability caused by an accident, designed to provide financial support during recovery.
12. Dismemberment
Insurance provides for:
- Payment of a percentage of the stipulated insured sum in the event of partial dismemberment caused by an accident, as per the insurer’s Disability Table.
- Payment of the entire stipulated insured sum in the event of 100% dismemberment caused by an accident, as listed in the policy or policy schedule, as per the insurer’s Disability Table.
13. 100% Dismemberment
Payment of the stipulated insured sum in the event of total (100%) dismemberment caused by an accident, as per the insurer’s Disability Table.
14. Premium Waiver
In the event of total permanent disability (dismemberment), the insurer assumes the obligation of continuing to pay the premium, and remains obliged to pay out the insured sum after the contract has expired.
