

You can prepare the accident policy yourself by selecting the specific risks against which you wish to insure your employees and their relatives, and by specifying the preferred amount of coverage.
Risks:
Injuries, including:
• Animal bites
• Poisoning
• Burns/Scalds and Frost-bites
• Drowning, asphyxia, lightning strikes, exposure to electric current
Medical Expenses I, including:
• Transportation Expenses
• Rehabilitation Expenses
• Medications and Bandages
Medical Expenses II, including:
• Technical aids
• Alternative medical methods
• Emergency medical aid in the Baltic Countries
Dental Injuries and Dentistry Services
Daily Allowance
Hospital Fee
We shall indemnify the expenses for the purchase of confectionaries, fruits or visiting entertaining events for children *
Expenses for a Private Tutor for Children *
Child’s study allowance
Insurance against critical medical conditions, including against Lyme disease
Cosmetic surgery
Exposure to Ionising Radiation
Psychological aid
Social security
Professional retraining
Loss of labour capacity
Death
Burial Expenses
* Exclusively at BTA!
By acquiring staff health insurance, pursuant to the regulatory enactments of the Republic of Latvia, the company can receive the following tax relief:
The accident insurance coverage automatically includes doing the following types of sport or hobbies:
By selecting “Activities”, the Accident Insurance coverage will include all types of individual and organised physical activities while you participate or do not participate in sports training sessions or competitions on amateur or hobby level, including:
By selecting “High-risk activities”, the Accident Insurance coverage will include all types of individual and organised physical activities you do and which require special equipment or attire, doing sports on professional level, i.e., sport is the principal occupation, one of the sources of income, or upon participation in the European or the World Championship.
Activities Increased risk activities on hobby, amateur, or professional level include:
The territory of the Accident Insurance Policy can be specified based on the preferences:
However, please note that leisure or business trips to other countries additionally require Travel Insurance. In case you suffer an injury abroad, the Accident Insurance will allow you to receive a compensation depending on the severity of the injury, but the expenses for the medical assistance received in a foreign country will be indemnified only if you have purchased a Travel Insurance policy. The Accident Insurance coverage includes only medical services received in the territory of the Republic of Latvia.
You may choose the effective period of your policy as necessary:
Insurance product information document
Accident insurance terms and conditions
Terms and conditions No. 8-2 (version valid for policies issued from 26.09.2017)
+ Annexes:
Annex No.1 to Terms and conditions No. 8-2
Annex No.2 to Terms and conditions No. 8-2
Annex No.3 to Terms and conditions No. 8-2
Annex No.4 to Terms and conditions No. 8-2
General insurance terms and conditions
Terms and Conditions No 4 (version applicable to policies issued after 18.03.2019)
Terms and Conditions No 3 (version valid for policies issued from 13.12.2011)
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We at BTA, indemnify traffic damage caused by the party who has taken out motor insurance and the cost of medical treatment for third parties (owners of other vehicles, cyclists, pedestrians) and damage to property of third parties.
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