ACCIDENT INSURANCE

Accident insurance can be contracted in order to financially protect one's own employees and/or their families in case of death or physical injury with permanent consequences. In the hospitality industry, hoteliers usually insure hotel guests in this way. 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, and insurance for medical expenses. An accident is considered any sudden, unforeseen and independent event of the insured's will, which, acting mostly externally and abruptly 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 current or lightning strike, fall, slip, wounding with a weapon, some other object or explosive material, stabbing with any object, blow or animal bite.