Costs related to permanent incapacity for work, medical expenses, sickness benefit, compensation for pain and suffering in the case of injury, death benefit to relatives or the beneficiary named in the contract.
Yes, it is possible to insure the whole family, including children (from 1 year).
Accident insurance covers health-related accidents. Life insurance offers broader cover, so the indemnity is also paid out in the event of a serious illness diagnosis, for example.
Yes, it is valid 24 hours a day.
What you need to keep in mind when choosing the sum insured is that you and your family should be able to cope financially when your earnings decrease as a result of a health-related accident. You should also consider whether you have enough resources for long rehabilitation should it prove to be necessary. So what you need to keep in mind is the loan burden or 5-year earnings of your family. Ask a broker for help in determining the sum insured.