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Life insurance
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You never know the dangers that lurk, but in reality, it is usually serious illness that breaks us down. Life insurance can help your family members cope with everyday problems when you are gone. You can take out the life insurance up to the age of 75, and indemnities are paid in the event of illness or accidental death. |
| Cancer insurance |
Around 10,000 people in Estonia are diagnosed with cancer every year. Modern medicine has bravely confronted the diseases, but the treatment journey is still difficult. Cancer insurance helps you to focus on getting better as soon as you are diagnosed. You can take out the insurance between the ages of 18 and 64 and the insurance coverage also extends to your minor children from birth. |
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Critical illness insurance
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Unfortunately, people get sick from time to time, and recovering from a serious illness or coping with a life-threatening disease is difficult enough without other commitments. For critical illness insurance, you can choose to insure against cancer and 3 critical illnesses, or cancer and 38 of the most common critical illnesses. You can take out the insurance between the ages of 18 and 64 for a maximum value of 300,000 euros.
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Critical illness insurance for children
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A
parent’s greatest wish is to protect their child from all the worries of the
world. Unfortunately, this is not always possible, but at least a life
insurance policy will give you peace of mind and allow you to focus on your
child’s recovery at the most difficult time. The list of children’s critical
illnesses includes 14 of the most common critical illnesses, and you can take
out the insurance for children aged between 2 and 17 for the sum insured of up
to 100,000 euros.
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No work ability insurance
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An
accident or illness can deprive you of your ability to work, the extent of
which is determined by the experts of the Estonian Unemployment Insurance Fund.
Insurance will come to the rescue if the incapacity for work has been
determined for at least 12 consecutive months and is due to a medically documented
illness or injury that first manifested itself during the insurance period. You
can take out the insurance between the ages of 18 and 64 and for the amount of
life insurance you choose. Payment of the indemnity does not reduce life
insurance coverage.
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Daily hospital allowance insurance
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None
of us wants to end up in hospital, but there is often no other way to recover
from a serious accident or illness. For the first time in Estonia, you can
choose ERGO’s daily hospital allowance insurance, i.e. the indemnity for days
spent in hospital. An insured event is a continuous hospital stay of at least
24 hours for medically justified treatment. You can take out the insurance
between the ages of 0 and 69, and the daily hospital allowance is paid for a
maximum of 182 days per year.
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Accident insurance in Life Insurance+ policy
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With
accident insurance, you can choose insurance coverage for disability indemnity
(permanent disability), death indemnity, trauma indemnity, daily allowance, and
supplementary medical assistance.
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