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How to receive an insurance indemnity?

What should be done when an insurance event occurs?

More information about the necessary documents is available in the terms and conditions of the accident insurance contract.

Indemnity will be paid no later than 30 days from the date of submission of the claim application and the relevant documents.

What documents are required to file the claim application?

Documents to be submitted: the claim application, medical documents (an extract from the medical card of the patient of the outpatient department and/or hospital)/in case of disability - documents that confirm the disability in accordance with the procedure laid down in the laws of the Republic of Latvia, the cause and severity of the disability/in the event of death – a copy of the death certificate, presenting of the original will be required. If documents are submitted by heirs – presenting of the document confirming the right to inheritance would be required.

Risks insured under the policy and the amount of the indemnity

Insured risks:

  • Insurance in the event of death – 3 500 EUR;
  • Incapacity in the event of a severe injury – 3 500 EUR;
  • Bone fracture – 1 500 EUR.

The amount of the indemnity:

Nervous system damage

The indemnity will be paid for the most severe injury:
  • Partial loss of the ability to move an arm or a leg
20%
  • Immobility of an arm or a leg
50%
  • Immobility of one side of the body
100%
  • Immobility of both arms and legs
100%

Upper limbs

Indemnity will be paid for the most severe injury:
  • Loss of one hand
80%
  • Loss of a forearm
80%
  • Loss of a wrist
60%
  • Loss of one finger of the palm
10%

Lower limbs

Indemnity for one leg will be paid for the most severe injury:
  • Loss of a thigh
80%
  • Loss of a lower leg
80%
  • Loss of a foot
60%
  • Loss of one finger of the foot
10%

Sensory organs

  • Loss of eyesight in one eye
50%
  • Complete loss of hearing
80%
  • Loss of the ability to speak
80%

Bone fractures

  • Skull bone fracture (except for the fractures of the nose, forehead, jaw or cheek bones)
100%
  • Pelvic bone fracture
80%
  • Spine vertebra, sacral fractures
25%
  • Upper arm bone fracture
20%
  • Forearm, wrist bone fractures
10%
  • Shin bone fracture
20%
  • Shin bone, knee vertebra, lumbar bone ankle joint fractures
10%
  • Other fractures, complete loss of a tooth
5%

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