Accident Insurance

Life is full of unexpected events and surprises, which, unfortunately, are not always pleasant or wanted. In the turbulent rhythm of life, we often forget about safety and avoid thinking about unpleasant things. However, ill luck never announces its arrival in advance, so, therefore, it is better to be prudent! Take care of the welfare and security of your company and employees by purchasing employee Accident Insurance. It may serve as an incentive for your current employees and as a factor in attracting new ones. We do take care that each of our clients is treated individually, so we will assess the type of business of your company and the possible risks of injury for your employees, offer favourable insurance terms and conditions, and professional service!

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Submit the application form, and we will contact you to prepare an insurance offer suitable for your preferences and requirements!​

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What is Accident Insurance?

Offered by employers on the labour market within their social security, incentive, and loyalty promotion plans, Accident Insurance is a bonus which is highly appreciated by employees.

Accident Insurance envisages reimbursement of treatment expenses in cases of injuries, compensations in cases of disablement, and compensations as a percentage of the insurance coverage depending on the severity of the injury. The Accident Insurance coverage may also include the risk of critical medical conditions, which means payment of a compensation in case the patient is diagnosed for myocardial infarction, stroke, cancer, or any other serious condition, the risk of exposure to ionising radiation in cases when employees operate any systems which may cause a medical condition associated with exposure to ionising radiation, as well as other risks for extra security.

The Accident Insurance Policy will serve as significant financial support for your employees in case of an accident. 

Why choose BTA Accident Insurance?

Our advantages

  • We do take care to assure that each of our clients is treated individually, by assessing their type of business and number of employees in order to prepare a quote which meets the preferences of the client.
  • You yourself choose the risks you want to insure and also specify your preferred insurance coverage.
  • You can specify your preferred effective times of the policy (24 hours, business hours, including travel to and from work, during training/workout sessions, etc.) and the territory (Estonia, Europe, or the entire world).
  • We are the only insurance company in Estonia which offers to include payment of study allowance for children in the Accident Insurance plans.
  • When insuring the children of your employees, the Accident Insurance policy may include risks which envisage covering expenses for purchase of sweets, fruit, or cinema tickets for children as well as services of a private tutor. We are the only insurance company in Estonia which offers coverage for such risks. 
  • By purchasing Accident Insurance for its employees, the employer may enjoy tax benefits.

Insurable Risks

You can prepare your accident policy yourself by selecting the specific risks you wish to insure and by specifying the preferred amount of coverage.

Risks:  
Injuries
Indemnities in cases of various injuries, such as fractures, dislocations, cut wounds, etc.
Animal Bites
Indemnities in cases of various animal bites.
Poisoning
Indemnities in cases of poisoning with neurotrophic substances (poisonous plants, toxic substances, food) when hospital admission has been necessary.
Burns/Scalds and Frost-bites
Indemnities in cases of burns/scalds, or frost-bites on various body parts.
Drowning, asphyxia, lightning strikes, exposure to electric current
The indemnity will be paid based on the assessments of the bodily damage, injuries suffered as result of such accidents.
Treatment Expenses
We shall indemnify the expenses for the medical procedures performed and prescribed by the attending doctor in association with out-patient or in-patient treatment. Only the expenses for the medical services received at the medical facilities entered into the Register of Medical Institutions, Companies, and Practices of the Republic of Estonia will be indemnified.
Transportation Expenses
We shall indemnify the expenses for the medical transport from the place of the accident to the nearest medical facility for the immediate medical care.
Rehabilitation Expenses
We shall indemnify the expenses for the rehabilitation prescribed by the attending doctor and received at the medical facilities entered into the Register of Medical Institutions, Companies, and Practices of the Republic of Estonia.
Medications and Bandages
We shall indemnify the expenses for the medications and bandages prescribed by the attending doctor and purchased from the medical facilities entered into the Register of Medical Institutions, Companies, and Practices of the Republic of Estonia or pharmacies located in the territory of the Republic of Estonia.
Dental Injuries and Dentistry Services
We shall indemnify the expenses for loss or damage of teeth as well as treatment of dental injuries at the medical facilities entered into the Register of Medical Institutions, Companies, and Practices of the Republic of Estonia.
Per Diem
We shall indemnify the expenses (in the amount fixed in the insurance contract) for each day of temporary incapacity if, as result of an accident, the temporary incapacity for work lasts for more than seven business days (unless otherwise stipulated in the agreement).
Hospital Fee
We shall indemnify the expenses (in the amount fixed in the insurance contract) for each day spent in hospital in case the hospital treatment lasts for more than 24 consecutive hours.
Payment for sweets, fruit, or cinema for children*
We shall indemnify the fixed expenses for the purchase of sweets, fruit, or cinema or zoo tickets for a child (below 17 years of age) who has been involved in an accident and suffered an injury.
Expenses for a Private Tutor for Children*
We shall indemnify the fixed expenses for the services of a private tutor in case the child (a pupil below 17 years of age) is not able to attend school for three or more weeks and thus falls behind in their studies.
Study Allowance for Children*
If death occurs as result of an accident or within one year thereof, we shall indemnify the higher educational institution tuition fees for one biological or adopted child (below 24 years of age) of yours. The tuition fees will be indemnified for three years of studies, but only until the child reaches the age of 27 years.
Insurance against critical medical conditions
We shall pay an indemnity in case of diagnosis of any of the following medical conditions: myocardial infarction, stroke, cancer, chronic renal failure, paralysis, multiple sclerosis, primary diabetes mellitus Type 1, AIDS.
Cosmetic Surgery
We shall indemnify the expenses for the plastic surgery necessary to correct permanent mutilating skin damage on the head or the neck, or mutilating damage after burns/scalds suffered in an accident.
Exposure to Ionising Radiation
In case you are diagnosed for an occupational disease caused by exposure to ionising radiation while performing your direct job obligations, we shall pay 100 % of the insurance coverage.
Disablement
In case disablement occurs as result of an accident during the effective period of the insurance contract or within one year of the accident, we shall pay the indemnity in the amount of up to 100 %.
Death
In case death occurs as result of an accident during the effective period of the insurance contract or within one year of the accident, the indemnity of 100 % will be paid to the person (beneficiary) specified in the insurance policy.
Burial Expenses
We shall indemnify the expenses for burial services, such as purchase of coffin, cemetery or crematorium services, transportation of the mortal remains, morgue services, purchase and installation of a tombstone, received in the Republic of Estonia.


* Exclusively at BTA

Is the policy valid while doing sport?

The accident insurance coverage automatically includes doing the following types of sport or hobbies:

  • workouts in fitness facilities,
  • aerobics and its subtypes,
  • swimming,
  • participation in events or competitions organised within sports festivals,
  • cycling,
  • golf,
  • bowling,
  • curling,
  • orienteering,
  • skating,
  • air balloon ride (as passenger),
  • participation in sports sessions at school, except sports schools,
  • participation in sports events organised by schools, except sports schools.


By selecting “Sport”, the Accident Insurance coverage will include all types of individual and organised physical activities while you participate or do not participate in sports training sessions or competitions on amateur or hobby level, including:

  • hunting,
  • skiing,
  • snowboarding,
  • hockey,
  • basketball,
  • football,
  • volleyball,
  • horse-riding,
  • mountain-biking,
  • other activities not qualified as hobbies or types of sport associated with higher levels of risk.


By selecting “High-risk sport”, the Accident Insurance coverage will include all types of individual and organised physical activities you do and which require special equipment or attire, doing sports on professional level, i.e., sport is the principal occupation or one of the sources of income, as well as riding a motorcycle, quadricycle, or a scooter as a passenger.
High-risk types of sport on hobby, amateur, or professional level include:

  • mountaineering,
  • mountain climbing,
  • speleology,
  • car racing,
  • motorcycle sport,
  • downhill,
  • BMX,
  • driving a motorcycle, quadricycle, or scooter,
  • water sports,
  • parachuting,
  • kickboxing,
  • boxing,
  • gliding,
  • paragliding,
  • paragliding,
  • rugby,
  • American football,
  • windsurfing,
  • scuba-diving,
  • flying aircraft (except as aircraft passenger) or use of flying devices,
  • any type of sport or activity involving jumping from height, banking, manoeuvring (with or without acrobatic elements, or overcoming of obstacles.

What are the territory and the validity period of the policy?

The territory of the Accident Insurance Policy can be specified based on the preferences:

  • Estonia,
  • Europe,
  • entire world.


However, please note that leisure or business trips to other countries additionally require Travel Insurance [ link to travel insurance]. In case you suffer an injury abroad, the Accident Insurance will allow you to receive a compensation depending on the severity of the injury, but the expenses for the medical assistance received in a foreign country will be indemnified only if you have purchased a Travel Insurance policy. The Accident Insurance coverage includes only medical services received in the territory of the Republic of Estonia.

You may choose the effective period of your policy as necessary:

  • 24 hours,
  • business hours, including travel to and from work,
  • during workout/training sessions;
  • etc.


Policy period can be from 1 to 12 months.

Ways to purchase a policy

BTA policies can be purchased in the following ways:

  • by filling out an application form on BTA website; BTA specialist will contact you to find out detailed information, prepare the insurance offer and send it to the e-mail address indicated by you;
  • by calling BTA Customer Support Service at (+372) 5 68 68 668. It is possible to pay for the insurance policy during the phone call;
  • by contacting BTA Customer Support Service by e-mail: bta@bta.ee or skype: bta_kindlustus
  • by visiting BTA Customer Service Centre in person;
  • by contacting BTA agents;
  • by contacting BTA insurance brokers.

How to receive additional information?

If you want to receive additional information please contact BTA Customer Support Service at 5 68 68 668 or by any other means of communication. Other means of communication can be found in the section “Contacts”.

What to do in case of an accident?

In case of an accident, please proceed as follows:

  1. get medical attention immediately (if necessary, call the ambulance on 112);
  2. when receiving any medical services, please keep the document which confirms the fact and the consequences of the accident, such as the medical certificate issued by the doctor and containing the diagnosis or a detailed medical description of the injury, and also keep the documents confirm the payments you have made (such as receipts, acquittances, etc.) for the medical services you have received;
  3. as soon as possible, please contact the BTA Customer Service by calling (+372) 5 68 68 668 to inform about the accident, receive instructions on how to proceed, and also to register your insured event.

Insurance service information documents

  PDF E-doc
Insurance service information document

 

Insurance terms and conditions

  PDF
Accident Insurance terms and conditions  
Terms and conditions No. EE6-1
(effective as of 04.07.2017) in estonian
     + Annexes:
    Terms and conditions No. EE6-1 Annex No. 1
       «Table of compensation rates for permanent disability under accident insurance»
     Terms and conditions No. EE6-1 Annex No. 2
       «Table for compensation rates for pain and suffering under the terms of accident insurance»
     Terms and conditions No. EE6-1 Annex No. 3
       «Consequences of accidents in relation to which an insured person will receive compensation for medical expenses, daily allowance and sick pay»
     Terms and conditions No. EE6-1 Annex No. 4
       «Terms and Conditions of Insurance Against Critical illnesses» in estonian
Terms and conditions No. 6-EE
(Valid for contracts issued until 03.07.2017) in estonian
     + Annexes:
    Terms and conditions No. 6-EE Annex No. 1
       «Amount of Insurance Indemnity due to an Accident Table No. 1» in estonian
     Terms and conditions No. 6-EE Annex No. 2
       «Amount of Insurance Indemnity due to an Accident Table No. 1a» in estonian
     Terms and conditions No. 6-EE Annex No. 3
       «Amount of Insurance Indemnity due to an Accident Table No. 2» in estonian
     Terms and conditions No. 6-EE Annex No. 4
       «Amount of Insurance Indemnity due to Mutilation as Result of an Accident» in estonian
     Terms and conditions No. 6-EE Annex No. 5
       «Consequences of Accidents when the Insured is Entitled to Compensation of Medical Expenses, Daily Allowance and Hospital Fee» in estonian
     Terms and conditions No. 6-EE Annex No. 6
       «Terms and Conditions of Insurance Against Critical Medical Conditions» in estonian
General insurance terms and conditions  
Terms and conditions No. GC 2019.0
(effective as of 01.07.2019)
Terms and conditions No. GC-2012
(effective as of 01.12.2011)