Accident insurance can be contracted in order to financially protect one’s employees and/or their family in the event of death or physical injury with permanent consequences.
In the catering business, hoteliers usually insure hotel guests in this manner.
Accident insurance covers the risk of death due to an accident or permanent disability, death due to illness, and temporary incapacity for work as a result of an accident – daily allowance and hospital days, as well as medical expenses insurance.
An accident is considered any sudden, unforeseen and independent event that is independent of the will of the insured, which, acting mainly from outside and suddenly on the insured’s body, results in his death, permanent disability, temporary inability to work, accommodation and treatment in a hospital or incurring treatment costs.
In this sense, the following cases are considered to be an accident in particular: trampling, collision, impact with any object or against any object, electric shock or lightning, fall, slip, wounding with a weapon, some other object or explosive material, stabbing with any object, hit or the bite of an animal.
You cannot prevent an unwanted event, but by taking out an insurance policy, you can reduce the consequences!
