Financial protection against injuries and unexpected health damage — at work, at home, on the road and on holiday. 24 hours a day, throughout Uzbekistan.
Fractures, bruises, dislocations, cuts, burns, frostbite — payout under the “Insurance Payout Table” helps with treatment and recovery.
Concussion, electric shock, consequences of animal bites, accidental acute poisoning and other sudden external events.
Payout from 20% to 80% of the sum insured upon Group I, II or III disability — depending on the severity of consequences.
In the worst case — 100% of the sum insured is paid to heirs or the beneficiary under the contract.
A sudden, short-term external event beyond the insured’s control that causes bodily injury, impairment of bodily functions or death.
Not covered: The full list of exclusions is in Section 6 of the public offer (clauses 6.1–6.2).
Round-the-clock accident protection — at work, at home and on the road
24 hours a day, 365 days a year. Injuries at home, at the country house, during leisure and amateur sports.
Including workplace accidents. Valid on the employer’s premises and on business trips.
Road accidents as a driver, passenger or pedestrian. Public transport incidents.
Territory and term: insurance is valid throughout the Republic of Uzbekistan. Protection takes effect 3 calendar days after the premium is paid (time deductible). Details — in Section 1 of the public offer (Insurance period, Insurance territory, Time deductible).
The payout depends on the sum insured and is determined by the nature and severity of the event. All cases and percentages are listed in the “Insurance Payout Table” (Annex No. 1 to the offer).
The full sum insured is paid to heirs or the beneficiary.
If the Insured Person is assigned a disability group as a result of an accident that occurred during the insurance period — even if the insurance contract has already expired — the consequence of that accident will be recognised as an insurance event with a subsequent insurance payout to the Insured Person.
For fractures, bruises, burns and other damage, the payout is calculated as a percentage of the sum insured by injury type. For example: one rib fracture — 10%, displaced shoulder fracture — 25%, concussion — 10%. Total payouts during the insurance period cannot exceed the sum insured under the policy.
Get a policy online in 5 minutes. 24/7 protection — at work, at home and on the road.
Key parameters of the accident insurance contract.
The price depends on the sum insured. The minimum policy costs UZS 50,000 per year with a sum insured of UZS 10 million. Maximum protection (UZS 50 million) costs UZS 250,000 per year.
Any legally capable individual or legally competent legal entity.
One calendar year from the date the contract takes effect. Protection begins 3 calendar days after the premium is paid.
Notify the insurer as soon as possible, but no later than 30 days after the event, and submit an application with the required documents: passport, medical reports, X-ray images for fractures, VTEK conclusion if disability is established. The insurance benefit is paid within 15 working days from the date of signing the Insurance Event Act.
Yes, in accordance with the law, on early termination of the contract part of the premium is refunded proportionally to the remaining period — minus 10% administrative costs.
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