What the No Risk policy covers:
With the NO RISK program, it is possible to conclude 14 types of supplementary insurance through which DDOR Osiguranje offers additional security for its clients.
Death due to an accident
Payment of the contracted insured sum in the event of death, if the death of the insured occurred as a result of the accident.
Death due to a traffic accident
Payment of the contracted sum insured in the event of death, if the death of the insured occurred as a result of a traffic accident.
Surgical interventions due to an accident
Payment of the contracted insured sum, or a percentage of the contracted insured sum for the case of surgical intervention due to an accident, in accordance with the table of surgical interventions of the insurer.
Surgical interventions due to illness
Payment of the contracted insured sum, or a percentage of the contracted insured sum for the case of surgical intervention due to illness, in accordance with the table of surgical interventions of the insurer.
Serious diseases 15
Payment of the contracted sum insured in the event of the occurrence of one of the more serious diseases specified in the insurance conditions – after the payment of the sum insured for one more serious illness, the insurance coverage ceases.
Serious diseases 30
Payment of the contracted sum insured in the event of the occurrence of serious illnesses specified in the insurance conditions – after payment of the sum insured for one serious illness, insurance coverage is provided for other serious illnesses. The insurance price includes coverage for children in the amount of 1/3 of the insured sum.
Insurance against malignant disease
Payment of the agreed sum insured in the event of the occurrence of a malignant disease (guaranteed coverage for cases of invasive and non-invasive cancer). The insurance price includes coverage for children in case of invasive cancer in the amount of 1/3 of the insured sum.
Bone fracture
Payment of the contracted insured sum, or a percentage of the contracted insured sum for the case of bone fractures in accordance with the insurer’s Table of Bone Fractures.
Hospital days due to an accident
Payment of the contracted daily allowance for hospital stay due to the treatment of an accident injuries. Included in the EPIDEMIK PROTEKT package.
Hospital days due to illness
Payment of the agreed daily allowance for hospital stay due to illness or childbirth. Included in the EPIDEMIK PROTEKT package.
Temporary inability to work
Payment of the agreed daily allowance for days of temporary incapacity for work due to an accident.
Disability
Payment of:
- a percentage of the contracted sum insured for the case of disability due to an accident, if the accident resulted in partial disability in accordance with the Insurer’s Table of Disabilities,
- the contracted insured sum for the case of disability due to an accident specified in the policy or the addendum to the policy, if the accident resulted in 100% disability in accordance with the Insurer’s Disability Table
Disability 100%
Payment of the contracted sum insured in case of total disability due to an accident, according to the table of total disability of the insurer.
Premium Waiver
In the case of total and permanent disability, the insurer undertakes the obligation to continue paying the premium and retains the obligation to pay the insured sum upon the expiration of the contract.