Private Accident Insurance

Risks:
Death	In case death occurs as result of an accident during the effective period of the insurance contract or within one year of the accident, the indemnity of 100 % will be paid to the person (beneficiary) specified in the insurance policy.	4500 €	15 000 €	25 000 €	50 000 €
Loss of labour capacity	In case disablement and/or mutilation occurs as result of an accident during the effective period of the insurance contract or within one year of the accident, we shall pay the indemnity in the amount of up to 100 %.	4500 €	15 000 €	25 000 €	50 000 €
Traumas	Indemnities in cases of various injuries, such as fractures, dislocations, cut wounds, etc.	2000 €	3000 €	5000 €	8000 €
Medical Expenses	Programms A, B, C - We shall indemnify for the expenses for the medical procedures performed and prescribed by the attending doctor related to out-patient or in-patient treatment, as well as x-ray diagnostics and surgeries. Only the expenses for the medical services received at the medical facilities entered into the Register of Medical Institutions, Companies, and Practices of the Republic of Latvia will be indemnified. Programme D - We shall indemnify for the expenses for the medical procedures performed and prescribed by the attending doctor related to out-patient or in-patient treatment, as well as x-ray diagnostics and surgeries.	3000/250 €	3000/750 €	4500/1000 €	10 000/1500 €
Dental services	We shall indemnify the expenses for loss or damage of teeth as well as treatment of dental injuries at the medical facilities entered into the Register of Medical Institutions, Companies, and Practices of the Republic of Latvia.	250 €	750 €	1000 €	1500 €
Psychological aid	We shall indemnify the expenses for visiting a psychologist or psychotherapist, if the Injury resulted in disability of group I, II, or you were diagnosed with Critical illness for the first time or death has occurred to a relative of yours of up to the second degree of kinship, who had a personal insurance contract with us.		500 €	750 €	1000 €
Daily Allowance	We shall indemnify the expenses (in the amount fixed in the insurance contract) for each day of lack of labour capacity.				8500/25 €
Hospital Fee	We shall indemnify the expenses (in the amount fixed in the insurance contract) for each day spent in hospital in case the hospital treatment lasts for more than 24 consecutive hours.		8000/20 €	10 000/25 €	20 000/50 €
Cosmetic surgery	We shall indemnify the expenses for the plastic surgery required to eliminate distorting permanent damage to the skin causing scar tissue, differ in colour, raise above the skin surface, constringe tissue, or permanent distorting lesions caused by burns that are consequences of the Injury.	500 €	1500 €	2500 €	5000 €
Social security	We shall indemnify the expenses occurred due to Loss of labour capacity or loss of limbs resulted from Injury. We shall indemnify for expenses for the social carer at home, rearrangement of home in accordance with your needs.		4000 €	7500 €	10 000 €
Professional retraining	We shall indemnify the expenses for studying for a new profession at a higher education establishment, if You are granted group I, II disability as a result of sustaining an Injury during the effective period of the insurance contract or within a year’s time since the day of sustaining the Injury and because of these physical disorders You are unable to proceed with Your position duties.		4000 €	7500 €	10 000 €
Funeral expenses	We shall indemnify the expenses for burial services, such as purchase of coffin, cemetery or crematorium services, transportation of the mortal remains, morgue services, purchase and installation of a tombstone, received in the Republic of Latvia.		750 €	1500 €	5000 €
Child’s study allowance	If death occurs as result of an accident or within one year thereof, we shall indemnify the higher educational institution tuition fees for one or several biological or adopted children aged 24 years and below having already had commenced their studies in a higher education institution at the moment of your death or within one year thereof. The tuition fees within the amount of insurance limit shall be indemnified only until the child reaches the age of 27 years.		2000 €	3500 €	5000 €
Child’s joy	We shall indemnify the fixed expenses for the purchase of sweets, fruits or tickets intended for visiting entertaining events for children (for instance, cinema, zoo) aged 17 years old and below, who suffered an accident and sustained an injury.	150/15 €	150/15 €	200/20 €	300/30 €
Private tuition expenses	We shall indemnify the fixed expenses for the services of a private tutor in case the child (a pupil below 17 years of age) is not able to attend school for three or more weeks and thus falls behind in their studies.		400 €	500 €	1000 €
Critical illnesses (CIs)	We shall pay an indemnity in case of diagnosis of any of the following medical conditions: myocardial infarction, stroke, cancer, chronic renal failure, paraplegia or loss of limbs, paralysis, multiple or disseminated sclerosis, primary diabetes mellitus Type 1, AIDS, Lyme disease, blindness, Alzheimer’s disease, coronary surgery, deafness, benign brain tumour, meningococcal disease, transplantation of organs, loss of speech, heart surgery.		750 €	1500 €	2500 €
Annual premiums
Below 54 YOA		15 €	38 €	72 €	203 €
55 to 74 YOA (w/o CIs)		30 €	76 €	160 €	399 €
Children		11 €	29 €	60 €	154 €

• The cover automatically without additional charge will include hobbies as aerobics, dancing, fishing, gym workouts, orienteering (rogaining), swimming, cycling (incl. mountain biking), running (including marathon and half-marathon), squash, skating.
• Family discounts up to 20%. Also, a specially developed consolation package for children – Child’s joy, Private tuition costs coverage.
• The personal accidents insurance policy is valid in the entire world 24/7

Have a look at all insurance programmes!

* You may as well choose yourself, which risks to get insured against, and set the preferred sum insured, by visiting any Customer Business Centre or calling the Customer Support Service +371 26 12 12 12

The accident insurance coverage automatically includes doing the following types of sport or hobbies:

• 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 passenger),
• participation in sports sessions at school, except sports schools,
• participation in sports events organised by schools, except sports schools.

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:

• hunting,
• skiing,
• snowboarding,
• hockey,
• basketball,
• football,
• volleyball,
• horse-riding,
• sailing (inland or coastal waters),
• driving motorcycle upon participation in the traffic,
• other activities not qualified as hobbies or types of sport associated with higher levels of risk.

“High-risk activities” can be selected only when drafting an individualized offer. The Personal 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 a European or World Championship.

Activities Increased risk activities on hobby, amateur, or professional level include:

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

In case of an accident, please proceed as follows:

1. get medical attention immediately (if necessary, call the ambulance on 113 or 03;
2. when receiving any medical services, please keep the document which confirms the fact and the consequences of the accident, such as the medical certificate issued by the doctor and containing the diagnosis or a detailed medical description of the injury, and also keep the documents confirm the payments you have made (such as receipts, acquittances with your name, surname, personal number, and the title of the service received in them) for the medical services you have received;
3. as soon as possible, please contact the BTA Customer Service by calling 26 12 12 12 to inform about the accident, receive instructions on how to proceed, and also to register your insured event.

		PDF	E - doc*
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
Terms and conditions No. 8.1​ (version valid for policies issued from 18.12.2013)
+ Annexes:
Annex No. 1 to Terms and conditions No. 8.1
Annex No. 2 to Terms and conditions No. 8.1
Annex No. 3 to Terms and conditions No. 8.1
Annex No. 4 to Terms and conditions No. 8.1
Annex No. 5 to Terms and conditions No. 8.1
Annex No. 6 to Terms and conditions No. 8.1
Annex No. 7 to Terms and conditions No. 8.1
General insurance terms and conditions
Terms and Conditions No 3 (version valid for policies issued from 13.12.2011)

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