If Personal Accident Insurance for you and family

Why choose If Personal Accident Insurance?

Income not reduced during recovery
After an accident, you can go on sick leave with a peace of mind, since your income will not be reduced during recovery.
Private doctor or rehabilitation available
As you are recovering from the accident, you can be treated by a private doctor or undergo rehabilitation if needed.
Suitable for everyone: women and men, children and adults
Accident insurance is suitable for everyone, incl. for both active children and adults in all walks of life

Personal accident insurance is suitable for everyone, for the young and old, men and women alike, regardless of the job or hobbies.

Sports injuries and accidents (incl. In children)
Personal Accident insurance is like sports insurance because it is in sports that accidents are most common. It makes sense to insure yourself especially if you play sports or have an otherwise mobile lifestyle.

Accident insurance is also required for children involved in sports. A damaged carp may need paid medical care or rehabilitation to recover quickly.
Injuries from home and accidents in traffic
Accidents do not always have to be related to sports - it is enough to have an accident on foot when walking or a sleepy wrong step in a dark room, which leads to an unexpected accident.

With If's personal accident insurance, you can conveniently sign up the whole family under one contract in the e-office.

Accident insurance helps you to cope with your daily life safely and with peace of mind. — Sports accidents, injuries and other unforeseen accidents hit us unexpectedly. Accident insurance helps with the costs involved

With If you can choose the policy which suits your needs the most. Insure yourself and your whole family easily online.

Check what each coverage includes.

Insurance coverages	Standard	Extra coverages
We will pay the next of kin or beneficiaries an indemnity to the extent of the selected sum insured if the insured person dies within three years of the occurrence of the insured event. We recommend proceeding from 3 to 5 years’ salary or the existing loan balance when selecting the sum insured in the case of an adult.	Included	Not included
We will pay a one-off indemnity according to degree of disability if a person suffers permanent damage to health as a result of the trauma and their condition has not improved in a year. Such a change in life may bring about major outgoings, which is why we recommend proceeding from 3 to 5 years’ salary or the existing loan balance when selecting the sum insured in the case of an adult.	Included	Not included
The daily allowance is meant for a working person who must be on sick leave for at least seven days as a result of an accident.	Not included	Included
We will pay out a one-off indemnity according to the scale of the injury if recovering from the accident takes at least seven days.	Not included	Included
Makes it possible to use health services for a charge to help the insured person recover faster from the accident. The indemnity is paid out on the basis of expense receipts to the extent of the sum insured, excl. dental injuries, in the case of which we pay €200 per tooth.	Not included	Included
After being diagnosed with a life-threatening illness and going through the subsequent treatment, your life may not return to the way it used to be. Once the initial shock wears off, you are faced with unexpected expenses, which are not always covered by national health insurance. We will pay compensation if the policyholder develops one of the illnesses below: malignant tumour, benign brain tumour, infarction, stroke, aortic aneurysm, kidney failure.	Not included	Included

Doing sports

Sport-related accidents and injuries are the most common ones. Taking out accident insurance is particularly relevant if you do sports or otherwise lead an active lifestyle.

Also children who do sports can benefit from the contract. A kid who is hurt may need paid medical care or rehabilitation for a quick recovery.

For example:

Tom was riding a bike on a bicycle lane and collided with a roller-skater. He fell and suffered a concussion and a knee injury. If paid for his knee surgery and compensated for the inpatient days for the days he was in hospital.
Randy, 8 years old, was skateboarding and took a terrible fall, breaking his wrist. As he was recovering, it appeared that his hand needed rehabilitation for a quick recovery. If compensated for his transport to rehabilitation and massage sessions.

Terms and conditions