Accident insurance | Hobbies already included

Name: See Martins story
Uploaded: 2026-03-18 13:10:26
Description: See Martins story

Your benefits

Adjusted solution

Insurance adjusted for lifestyle, profession and leisure time activities, etc.

Hobbies already included

Go dancing, fishing, running, to the gym, orienteering, swimming, cycling, skiing, skating, etc.

Coverage all across the world

Be protected always and everywhere – we also provide 24/7 customer service.

12 330

The largest accident compensation € paid out in 2023

Average claims for accidents per day

Indemnities for critical illnesses – cancer, heart attack, Lyme disease, etc.

30+

BTA's years of experience in insurance

Frequent insurance cases

Sprains

It doesn't take much time to sprain your ankle, but the recovery process takes much longer and can lead to unwanted and unplanned costs.

Fractures

Every day we come across claims about broken arms, legs, fingers, etc. Injuries can be related to the weather, hobbies or sport activities, or simple carelessness.

Head traumas

Riding a bike or skiing down a hill without a helmet may look cool, but unfortunately, it often results in serious head injuries.

Accidents insurance

See Martins story

What to do and how to apply for indemnity if an accident has occurred?

If you get an injury, as soon as it becomes possible, but no later than within 24 hours from the moment of getting the injury, you must go to a medical institution for treatment.

Be sure to keep documents (such as checks, payment orders or receipts) that prove the payment for the provided services.

All documents confirming the occurrence of the injury must be received from the medical institution, for example, a statement with an accurate diagnosis, a description of the X-ray (X-ray) examination in the case of fractures, the results of a USG or MR examination in the case of torn ligaments, etc.

Complete insurance claim application at My BTA app or home page.

Frequently asked questions

Is the policy valid while doing sport?

Yes, accident insurance automatically includes hobby activities and all types of individual and organized physical activities, including participation in sports training or competitions at the amateur level.

However, if you engage in "High-risk activities", contact us by calling +371 26 12 12 12 to receive an individual offer.

High-risk activities on hobby, amateur, or professional level include:

mountaineering,
mountain climbing,
speleology,
car racing,
downhill,
BMX,
driving a quadricycle or scooter,
water sports,
equestrian sports,
parachuting,
kickboxing,
boxing,
gliding,
paragliding,
rugby,
American football,
scuba diving,
flying aircraft (except as an aircraft passenger) or using flying devices,
any type of sport or activity involving jumping from height, manoeuvring, performing figures with or without acrobatic elements, or overcoming obstacles.

Hobby activities and activities at the amateur level included in the policy:

hunting,
skiing,
snowboarding,
hockey,
basketball,
football,
volleyball,
sailing (inland or coastal waters),
driving a motorcycle while participating in road traffic,
workouts in fitness facilities,
aerobics and its subtypes,
swimming,
participation in events or competitions organised within sports festivals,
cycling,
golf,
bowling,
curling,
orienteering,
skating,
air balloon ride (as a passenger),
participation in sports sessions at school, except sports schools,
participation in sports events organised by schools, except sports schools,
other activities not classified as high-risk activities.

Let’s talk about some of the insurance indemnities paid out to BTA customers:

The customer paid 15 € for the Accident Insurance A1 programme. Accident – the customer tripped at home, fell and injured his hand. A tendon rupture was diagnosed. BTA paid the customer insurance indemnity for:

injuries – 100 €;
medical expenses – 250 €.

The customer paid 37.50 € for the insurance programme A3 policy. Accident – the customer injured a finger while carrying out wall finishing work. A cut wound and tendon damage were diagnosed. BTA paid the customer insurance indemnity for:

injuries – 105 €;
medical expenses – 196,45 €.

The customer purchased a B3 programme policy for 61.50 €. Accident – the customer injured his leg while playing football. A ruptured Achilles tendon was diagnosed. The customer received insurance indemnity for:

injuries – 720 €;
medical expenses – 690 €;
hospital money – 80 €.

The customer paid 52.50 € for the B3 policy. Accident – while playing basketball, a team-mate hit the customer’s head with a basketball, resulting in a diagnosis of concussion and 9 days spent in the hospital. BTA paid the customer insurance indemnity for:

injuries – 80 €;
medical expenses – 560 €;
hospital money – 180 €;
child’s joy – 15 €.

The customer paid 51.25 € for the B3 policy. Accident – while walking down the street, the customer tripped and hit the asphalt with his hand. A fracture of the humerus was diagnosed. BTA paid the customer insurance indemnity for:

injuries – 240 €;
medical expenses – 1000 €;
hospital money – 20 €.

The customer paid 110.92 € for the C3 policy. Accident – while jumping on the trampoline, the customer hit the leg, as a result of which a fracture of the big toe was diagnosed. BTA paid the customer insurance indemnity for:

injuries – 180 €;
medical expenses – 1000 €.

The customer paid 85 € for the C3 policy. Accident – a knee injury occurred while the customer climbed the stairs and slipped. A fracture of the patella was diagnosed. BTA paid the customer insurance indemnity for:

injuries – 420 €;
medical expenses – 1000 €.

The validity term of the policy is indicated in the policy; however, the policy will not start earlier than the day after the conclusion of the policy. If you are a new customer of BTA, the insurance becomes effective 5 days after the policy start date. If you have chosen an offer with the critical illness insurance risk, please note that it becomes effective 90 days after the policy start date.

The insurance operates 24 hours a day, regardless of location. However, please note that planned and emergency medical expenses for programmes A and B are covered only for services received in Latvia, while emergency medical expenses for programme C are also covered in the Baltic countries.