Accident Insurance
Accident insurance pays out a sum of money after injury, permanent disability or death resulting from an accident — at home, in the street or at work. Compulsory “workplace accident” cover, meanwhile, is a legal requirement for employers in higher-risk occupations. We handle both — for individuals and for companies.
- Licensed broker, FSC №812-ЗБ
- Free consultation
- We reply within 30 minutes in working hours
What it covers
Permanent disability
Pays a percentage of the sum insured according to the degree of impairment. This is the cover with the greatest real value — it compensates lost income, not a one-off expense.
Accidental death
Pays the agreed sum to the beneficiaries you name. The payout is fast and does not go through probate when a beneficiary is expressly named.
Medical costs and daily benefit
Covers treatment after an accident, and some packages also pay a fixed amount for each day spent in hospital.
Workplace accident cover for employees
Compulsory under the Labour Code for employers in certain economic activities. We prepare the list of insured persons and keep the policy current as staff change.
What it does not cover
- Illness — the policy covers accidents, not diseases.
- Deliberate self-harm.
- Incidents involving alcohol or drugs.
- Professional sport and extreme activities without a separate clause.
What we need to quote
- ID card of the insured person.
- Details of occupation and main activities.
- For companies — the list of employees and the economic-activity code.
Why through Soners
- We set an adequate sum insured against your income, not an arbitrary round number.
- For companies we take on the administration — schedules, adding and removing employees, reissuing.
- We explain the compensation table in advance, so you know what you would actually receive.
About the price
The premium is a percentage of the sum insured and depends mainly on occupation. For office roles it is nominal; for construction and transport it is higher.
Frequently asked questions
Accident cover applies only to the consequences of an accident and is considerably cheaper. Life insurance also covers death from illness and often has a savings element. Many people combine the two.
It depends on your economic-activity code — the obligation applies to activities with a specified occupational-injury coefficient, which is updated annually. We check it for free against your company number.
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