Have you ever wondered what the chances are of getting injured in everyday life? Icy roads, inexperienced drivers, falls at home or at work — even the most careful person is not immune to unexpected situations. Accident insurance guarantees you or your loved ones a cash payment when you need it most. Submit a request through Superpolis.
What Is Accident Insurance?
Accident insurance is a policy that pays a fixed sum of money upon injury, disability or death of the insured person as a result of a sudden external event. In insurance terms, an accident is a sudden, short-term external event that harms the insured's health.
How Is It Different from Health Insurance?
These are two different products that complement each other:
- Health insurance covers the actual cost of treatment — clinic bills, medications, surgery
- Accident insurance pays a fixed sum when an insured event occurs — regardless of actual costs. You use this money however you choose: treatment, rehabilitation, compensating lost income
With both policies, you have maximum financial protection.
What Does Accident Insurance Cover?
- Injuries at home, at work, in traffic or on holiday
- Injuries while playing sport, including amateur sport
- Burns — thermal and chemical
- Frostbite and electric shock
- Asphyxia caused by a foreign body in the airways
- Accidental chemical poisoning
- Anaphylactic shock
- Disability as a result of an accident
- Death as a result of an accident
How Are Payouts Calculated?
When an insured event occurs, the insurer pays a fixed percentage of the insured sum, defined for each event type:
- Temporary incapacity — a percentage of the insured sum based on the nature of the injury and the consequences of the insured event
- Disability — up to 100% of the insured sum depending on severity
- Death — 100% of the insured sum paid to beneficiaries
Types of Accident Insurance
Individual Insurance
A policy for one person — personal protection or for a family member, including children. Especially relevant for people with an active lifestyle, physical workers and those who want a financial safety net.
Group Employee Insurance
A group policy for companies. Helps employers protect their team, fulfil social obligations and build employee loyalty. The per-person cost in a group policy is typically lower than individual insurance.
How Much Does Accident Insurance Cost?
The price is calculated individually and depends on:
- Profession and type of activity — higher injury risk means higher rate
- Insured sum — the higher the maximum payout, the more expensive the policy
- Duration — from 1 month to 1 year
- Risk package — basic or extended
How to Get Accident Insurance Through Superpolis?
- Submit a request on the website or call us
- Receive consultation — we determine the right insured sum and risk package for you
- Compare offers from Moldova's leading insurers
- Sign your policy and receive it by courier or electronically
Why Get It Through a Broker?
- Real choice — compare proposals from multiple top insurers
- Insured sum advice — we help you choose the optimal level of protection
- Claims support — we assist with documents and insurer communication
- Only verified companies — exclusively licensed insurers
Superpolis.md is a licensed insurance broker working with Moldova's leading insurance companies.
Frequently Asked Questions About Accident Insurance
Does accident insurance work 24/7?
It depends on the option you choose. Two variants are available: 24/24 — the policy is active around the clock at any time of day; 8/24 — the policy covers only during working hours or while playing sport. Specify the variant you need when requesting a quote.
Can a child be insured?
Yes. Accident insurance is available for children of any age. Specify details when requesting a quote.
Is group insurance available for employers?
Yes. A group policy is an effective tool for team social protection. The per-person cost in a group policy is typically lower than individual insurance.
For how long can the policy be issued?
From 1 month to 1 year. Choose the duration based on your needs: short-term for a specific period of elevated risk, annual for ongoing protection.
Why is it useful for physical workers?
Construction workers, drivers, factory workers — people with elevated workplace injury risk. Accident insurance is especially relevant: a payout for an injury compensates lost income during incapacity.
