Private Accident Insurance

Life is full of unexpected events and surprises, which, unfortunately, are not always pleasant or wanted. In the turbulent rhythm of life, we often forget about our safety and avoid thinking about unpleasant things. However, one should bear in mind that ill luck never announces its arrival in advance, and it is, therefore, better to be prudent and secure yourself against the consequences of ill luck in good time. Be a step ahead by insuring yourself!

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Why to choose BTA Private accident insurance?

Our advantages:

  • we offer a tailor-made insurance plan which will be adapted to your preferences, profession, and lifestyle, i.e., the types of sport you love and your other free time activities;
  • you yourself choose the risks you want to insure and also specify your preferred insurance coverage;
  • you can specify your preferred effective times of the policy (24 hours, business hours, including travel to and from work, during training/workout sessions, etc.) and the territory (Latvia, Europe, or the entire world);
  • we are the only insurance company in Latvia which offers to include in the Accident Insurance Plans risks which envisage covering expenses for purchase of sweets, fruit, or cinema tickets for children, services of a private tutor.

Insurable Risks

You can prepare your accident policy yourself by selecting the specific risks you wish to insure and by specifying the preferred amount of coverage.

Risks:  
Injuries, including:
Indemnities in cases of various injuries, such as fractures, dislocations, cut wounds, etc.
   Animal bites
Indemnities in cases of various animal bites.
   Poisoning
Indemnities in cases of poisoning with neurotrophic substances (poisonous plants, toxic substances, food, as well as for children below the age of 11 years old – poisoning with alcohol, narcotic or psychotropic substances, when in-patient hospital admission has been necessary).
   Burns/Scalds and Frost-bites
Indemnities in cases of burns/scalds, or frost-bites on various body parts.
   Drowning, asphyxia, lightning strikes, exposure to electric current
The indemnity will be paid based on the assessments of the bodily damage, injuries suffered as result of such accidents.
Medical Expenses I, including:
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.
   Transportation Expenses
We shall indemnify the expenses for the medical transport from the place of the accident to the nearest medical facility for the immediate medical care.
   Rehabilitation Expenses
We shall indemnify the expenses for the rehabilitation prescribed by the attending doctor and received at the medical facilities entered into the Register of Medical Institutions, Companies, and Practices of the Republic of Latvia.
   Medications and Bandages
We shall indemnify the expenses for the medications and bandages prescribed by the attending doctor and purchased from the medical facilities entered into the Register of Medical Institutions, Companies, and Practices of the Republic of Latvia or pharmacies located in the territory of the Republic of Latvia.
Medical Expenses II, including:
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.
   Technical aids
We shall indemnify for the expenses for the purchase or rent of technical medical aids (wheelchair, crutches, orthoses) required and prescribed by the attending doctor.
   Alternative medical methods
We shall indemnify for the expenses for the such kind of alternative medical methods as Ayurveda, acupuncture, homeopathy, yoga, reittherapy and traditional Chinese medicine.
   Emergency medical aid in the Baltic Countries
We shall indemnify for the medical expenses related to receipt of emergency medical aid in the Baltic Countries.
Dental Injuries and Dentistry 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.
Daily Allowance
We shall indemnify the expenses (in the amount fixed in the insurance contract) for each day of lack of labour capacity.
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.
We shall indemnify the expenses for the purchase of confectionaries, fruits or visiting entertaining events for children *
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.
Expenses for a Private Tutor for Children *
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.
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.
Insurance against critical medical conditions, including against Lyme disease
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.
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.
Exposure to Ionising Radiation
In case you are diagnosed for an occupational disease caused by exposure to ionising radiation while performing your direct job obligations, we shall pay 100 % of the insurance coverage.
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.
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.
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.
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 %.
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.
Burial 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.


* Exclusively at BTA!

Is the policy valid while doing sport?

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.

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:

  • 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.

What are the territory and the validity period of the policy?

The territory of the Accident Insurance Policy can be specified based on your preferences:

  • Latvia,
  • Europe,
  • entire world.

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:

  • 24 hours,
  • business hours, including travel to and from work,
  • during workout/training sessions;
  • etc.

Policy purchase options

The Accident Policy can be purchased using one of the below options:

  • if you fill in the application form available on the BTA website, an expert of BTA’s will contact you to find out the required details and prepare the insurance offer, and send it to your e-mail address;
  • you may call BTA Customer Service on 26 12 12 12. During the call, it is also be possible to pay for the policy immediately;
  • you may visit a BTA Customer Service Centre in person;
  • you may contact a BTA agent, insurance broker.

How to proceed in case of an accident?

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.

Use BTA mobile app!
By using the BTA mobile app in your smartphone, you will always have our contacts at hand. In case of an accident, our app will enable you to contact the rescue service and also to receive further instructions from us regarding how to proceed. 

Insurance Terms and Conditions

 

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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