Accident insurance
Find your insurance policy in the nearest branch of Raiffeisen bank in the Federation of BiH!
Accident insurance
We make life plans without thinking about the fact that accidents can happen suddenly, most often when we least expect them. However, this does not mean that we should live constrained by the fear of unwanted events. A wise decision can give us with much-needed security. Casualty insurance policy mitigates the financial consequences of sudden accidents, and it is valid for 24 hours, no matter whether you are in the country, or abroad.
FAQ
Accident is every incidental and unintentional act that results in death or injury (permanent or partial disability), health damage that requires hospital treatment and/or treatment costs.
Depending on the insurance product type, the following risks can be covered:
- Risk of death by accident
- Risk of death by illness
- Dread disease
- Permanent disability
- Bone fracture
- Medical treatment costs
- Daily hospital stay allowance
Any person up to the age of 75 can be insured by accident insurance. Children, adults, close family members can be insured against accident. Also, employees can be insured against
accident by the owner/director of their company of employment.
It is a permanent loss of functions or body part/organs, determined after completed medical treatment.
A payout is made for the costs of actual and necessary treatments that took place within one year following the accident and which are not covered by the state or other type of health
insurance.
Agreed fixed fee is paid in case of a dread disease, regardless whether it entails additional payment of insured amount for other agreed risks.
Agreed fixed fee is paid in case of bone fracture, regardless whether it entails additional payment of insured amount for permanent disability.
Hospital stay allowance is paid for each day that an insured person spends in hospital, but no longer than 180 days.
Individual – for children up to 14 years and others not older than 75 years of age
Family – insurance of all family members (spouses/extramarital partners and their children)
• indefinite duration of insurance
• payment of premium through instalments
• 24 hours insurance
The insurance premium is the amount paid by the insured person based on the agreed insurance policy and depending on the type of insurance:
| Individual - for children up to 14 years | Individual - for persons between 15 and 75 years of age | Family |
Annual premium
| BAM 36 | BAM 60 | BAM 144 |