Close
Investments
Capital market
Deposits
Clasic Clasic+
Capital market services
Capital market services
M@IB Online
InternetBanking eStatements
ElectronicApplications TransferP2P TransferT2C

Accident insurance

Accidents are unpredictable and can occur unexpectedly, generating serious health consequences, and sometimes even fatal. The situation can become very complicated, when the person who suffered from the accident is a bank debtor and has the obligation to pay off the credit.

The Accident Insurance Policy protects in case of a required treatment, as well as ensures overdue credit reimbursement to the bank by the insurance company in case of death or the debtor’s permanent loss of working capacity.

Accident Insurance Policy provides the person permanent protection, 24 hours a day, 7 days a week, all over the world of accidents, which can occur during the working hours, as well as during the free time. 

The risks covered by the Accident Insurance depend on the insurance packet chosen:
 
Insured risks/ Insurance packets  Insurance Premium
MINIMUM STANDARD Protection covers the risks:

Policyholder’s DEATH caused by the accident;
Policyholder’s Permanent DISABILITY caused by the accident.
0.4% of IA
STANDARD Protection covers the risks:

Policyholder’s DEATH caused by the accident;
Policyholder’s Permanent DISABILITY caused by the accident;
Injury caused by the accident, including accidents at work.
1% of IA
STANDARD PLUS Protection covers the risks:

Policyholder’s DEATH caused by the accident;
Policyholder’s Permanent DISABILITY caused by the accident;
Injury caused by the accident, including accidents at work;
DEATH FOR ANY REASON – caused by accident or disease.
2.76 % of IA
 
 
Individuals insured by the Accident Insurance Policy are the individuals with a complete capacity of work with the age 18-65 years old. 
 
The insured amount is the insurer’s responsibility maximal limit and it is established by the agreement of the parts. 
 
The Insurance Policy is completed based on the Policyholder’s identity document.
 
The Policyholder’s actions upon the insured case occurring: 
  • Within 24 hours since the moment of the accident to call the medical institution;
  • Within 30 days since the moment of the accident to notify the Insurer by an application. 
The advantages of the Accident Insurance at MAIB
  • The Insurer will take over the financial burden, paying the overdue credit to the bank and will pay to the Policyholder or his/her successor the insurance compensation equal to the insurance amount remaining after debit obligations payment. 
  • Accessibility owing to the insured risks packet chosen;
  • Simplicity, efficiency and correctness of completing the insurance policy at any MAIB branch.