ACCIDENT INSURANCE

Make sure you can count on getting the help you need if you have an accident.

Insurance coverages

Valid 24 hours a day

regardless of the place and time of the accident.

Treatment costs

The insurance company reimburses you for the costs

which are not covered by the Health Insurance Institute.

Compensation for pain

up to 500 %

of the agreed sum insured for bone fractures.

ACCIDENT INSURANCE FEATURES

Making sure you’re protected in case of unfortunate events is an important part of taking care of yourself and your loved ones. This is where accident insurance comes in!

BASIC PACKAGE

Accidental disability - linear

available as a stand-alone coverage. The maximum sum insured payable is 200,000 EUR (or 80,000 EUR for senior citizen accident insurance).

Accidental death

available as a stand-alone coverage. The maximum insurance sum is 150,000 EUR (or 80,000 EUR for senior citizen accident insurance).  Accident insurance is not available for children aged 14 or younger.

Daily hospital allowance

can be concluded in conjunction with accidental death coverage and/or accidental disability coverage. The maximum hospital allowance amount is 70 EUR per day (or 30 EUR for senior citizen accident insurance). The hospital allowance is paid for a maximum of 200 days for the same insured event, for a period not exceeding two years after the day of the accident.

Accident annuity - 5 years

can be concluded in conjunction with accidental death coverage and/or accidental disability coverage. The maximum sum insured payable is 2,000 EUR and the minimum is 100 EUR. Accident annuity is paid when permanent disability resulting from an accident is more than 40%.

Daily compensation

can only be concluded in conjunction with accidental disability coverage or accidental death coverage. The maximum possible compensation amount for full-time employees is 25 EUR/day, while for unemployed persons, students, pupils, pensioners and housewives the maximum amount is 5 EUR/day. Daily compensation is paid upon submission of sick leave notices for a maximum of 200 days of temporary incapacity for work for the same insured event, for a period not exceeding two years after the day of the accident, and can be granted for a maximum of three insured events (accidents) in a single insurance year, for up to a total of 200 days.

 

 

Basic package A B C
Insurance coverage   Sum insured in EUR  
Accidental disability - linear 40.000 40.000 40.000
Accidental death 20.000 20.000 20.000
Daily hospital allowance   10 10
Accident annuity - 5 years   500 500
Daily compensation     8
Monthly premium with tax 8,73 EUR 12,39 EUR 19,95 EUR

 

VIVA PACKAGE

Compensation for certain types of cancers and miscarriage as a result of an accident that can be concluded in conjunction with accidental disability coverage or accidental death coverage and only as a package with predefined coverages and sum insured (this package can only be purchased in the context of accident insurance and youth accident insurance):

 

  • compensation in the amount of 5,000 EUR in the event of organ loss due to cancer,
  • up to 5,000 EUR for cosmetic surgery due to breast cancer,
  • compensation in the amount of 1,000 EUR in case of miscarriage as a result of an accident,
  • up to 1,000 EUR for housework assistance in case of medical treatment

EXCLUSIVE PACKAGE

Accidental disability - linear

which is available as a stand-alone coverage. The maximum sum insured payable at 540% progression is 50,000 EUR (or 15,000 EUR for senior citizen accident insurance). 

Accidental death

which is available as a stand-alone coverage. The maximum insurance sum is 150,000 EUR (or 80,000 EUR for senior citizen accident insurance).  Accident insurance is not available for children aged 14 or younger.

Daily hospital allowance

can be concluded in conjunction with accidental death coverage and/or accidental disability coverage. The maximum hospital allowance amount is 70 EUR per day (or 30 EUR for senior citizen accident insurance). The hospital allowance is paid for a maximum of 200 days for the same insured event, for a period not exceeding two years after the day of the accident.

Compensation for pain resulting from bone fractures

can be concluded in conjunction with accidental death coverage and/or accidental disability coverage. The maximum sum insured payable is 500 EUR and the minimum is 10 EUR.

Accident annuity - 5 years, 15 years, 25 years

can be concluded in conjunction with accidental death coverage and/or accidental disability coverage. The maximum agreed amount is 2,000 EUR for an annuity of 5 years, 650 EUR for an annuity of 15 years and 400 EUR for a period of 25 years. Accident annuity is paid when permanent disability resulting from an accident is more than 40%. Accident insurance for seniors is only available with a 5-year annuity period.

Daily compensation

can only be concluded in conjunction with accidental disability coverage or accidental death coverage. The maximum possible compensation amount for full-time employees is 25 EUR/day, while for unemployed persons, students, pupils, pensioners and housewives the maximum amount is 5 EUR/day. Daily compensation is paid upon submission of sick leave notices for a maximum of 200 days of temporary incapacity for work for the same insured event, for a period not exceeding two years after the day of the accident, and can be granted for a maximum of three insured events (accidents) in a single insurance year, for up to a total of 200 days.

Compensation for surgery

can be concluded in conjunction with accidental death coverage or accidental disability coverage. The maximum sum insured payable is 1,000 EUR.

Treatment costs

can be concluded in conjunction with accidental death coverage or accidental disability coverage. The maximum sum insured payable is 5,000 EUR and the minimum is 100 EUR. 

Cosmetic surgery expenses

can be concluded in conjunction with accidental death coverage or accidental disability coverage. The agreed insurance cover is up to 5,000 EUR. The insurance company reimburses the cost of medically necessary cosmetic surgery to eliminate the effects of disfigurement injuries on the insured person’s appearance that are the result of an accident. 

Compensation for missed school days - daily compensation (applies only to accident insurance for children)

can only be concluded in conjunction with accidental disability coverage for children aged 6 to 14 years. The highest compensation amount is 10 EUR/day. Compensation shall be paid for each day of the insured person's absence from school from the 10th day of absence onward, if the absence from school is a result of an accident. 

Child care allowance - weekly allowance (applies only to accident insurance for children)

can only be concluded in conjunction with accidental disability coverage for children up to 14 years of age. The highest allowance amount is 200 EUR/week. The allowance shall be paid for each full week of absence from work of the parent of the insured person, due to care for the child, made necessary as a result of an accident. Allowance is paid for a maximum of 6 weeks for the same insured event.

VIVA package - Compensation for certain types of cancers and miscarriage as a result of an accident

that can be concluded in conjunction with accidental disability coverage or accidental death coverage and only as a package with predefined coverages and sum insured (this package can only be purchased in the context of accident insurance and youth accident insurance) :

  • compensation in the amount of 5,000 EUR in the event of organ loss due to cancer,
  • up to 5,000 EUR for cosmetic surgery due to breast cancer,
  • compensation in the amount of 1,000 EUR in case of miscarriage as a result of an accident,
  • up to 1,000 EUR for housework assistance in case of medical treatment for loss of organ due to cancer
Display all

 

Exclusive package         A        B       C
Insurance coverage   Sum insured in EUR  
Accidental disability - progressive  20.000 30.000 40.000
Accidental death 20.000 20.000 20.000
Daily hospital allowance  10 20 20
Accident annuity - 5 years   1.000 1.000
Compensation for pain resulting from bone fractures    200 200
Daily compensation     10
Monthly premium with tax 10,45 EUR 21,00 EUR 33,97 EUR

 

 

Make an appointment with an individual relationship officer

Your individual relationship officer will wait for you in the outlet on the agreed upon date and time. 
With his help, you will be able to arrange everything quickly and easily.

Make an appointment or Send an inquiry

Frequently asked questions

How do I choose the right personal insurance for me?

Personal safety should not depend on unforeseen events and luck. When deciding on the right personal insurance for you, you have to follow all the necessary steps carefully, as this is the only way to

ensure you are really protected.
Creating your own personal financial security strategy can be compared to building a house. You need to start at the foundation, but you must not skip any of the intermediate stages if you want your house to be stable and firm.

1. PROTECTION

First and foremost, you need to protect your financial security in order to protect yourself and your loved ones from any loss of income due to unforeseen events. This is particularly important if you are a borrower, because by purchasing the right life insurance, you can protect your loved ones, and make sure that you can actually repay your loan yourself, no matter what happens in your life. 

Choosing the right life, accident and health insurance products can give you a high level of security:

2. SAVING

By upgrading your basic protection, you can save additional funds that you will need in the future.

Classic life insurance offers the option of a basic upgrade that you can add to your basic protection. This type of insurance gives you the security of a guaranteed payout in the form of the sum insured. Therefore, it doesn’t represent an investment risk, which means you can use it as a long-term form of savings, which in addition to security provides you with a guaranteed payout after the end of the savings period and a tax advantages.

It's good to know
whom you trust your finances

SKB bank

  • Excells in safety, stability and reliability in Slovene banking space.
  • Part of Société Générale, one of the largest banking groups in euro zone.
  • Trusted by more than 200.000 clients.

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Digital banking

With mobile and online bank, you can arrange as many as 53 different tasks without visiting the bank:

  • Submitting application for approval of extra overdraft facility.
  • Submitting application for order of quick loan.
  • Submitting application for obtaining 
    Mastercard / Visa credit card.
  • Paying and receiving invoices and e-invoices.
  • Overview of balance and spending.

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