Life and accident insurance
In the event of an accident or illness, ERGO life and accident insurance help you to repay your home loan or leasing, cover the daily expenses of your family, pay for rehabilitation therapy, and for a carer as well, if required. Professional advisors at ERGO are always there to help with selecting the most suitable coverage for you.
|Full incapacity of work|
|Hospital daily allowance|
Good to knowDepending on your selected insurance cover and the amount of it, you or your close ones can for example:
- pay for the rehabilitation
- pay caregiver's salary
- repay a bank loan
- cover daily expenditures of the family
FREQUENTLY ASKED QUESTIONS
When choosing the sum insured:
Think of your expenditures that may arise in relation to an illness or accident – rehabilitation, assistive equipment, prescription medicines, a new home or reconstruction of your home. To these unexpected costs, add fixed costs that you will pay monthly – bank loan repayments, credit card interest, daily expenses on food, utility costs, children’s extracurricular activities, etc.
Choosing the sum insured in the case of life insurance:
For the sum insured, we recommend to choose the amount of your three-year income. The sum insured in the case of life insurance of a person earning the average salary of Estonia (in the fourth quarter of 2019, the monthly average gross income was EUR 1,472) should be EUR 17,000–48,000, which would make a 35-year-old person’s monthly premium about EUR 6–12.
Choosing the sum insured in the case of accident insurance
At what age can I conclude a life and accident insurance contract?
Accident insurance can be taken out for 1–70-year-olds.
Is it possible to take out life and accident insurance for children?
Yes, we offer critical illness coverage for people at least 3 years old,
and accident insurance can already be taken out for a person who is at least
one year old.
I am the head of a construction team; I do not build myself, but I am sometimes present at the construction site. Do I have to select an occupational risk?
When concluding an accident insurance contract, you are not required to select an occupational risk with this occupation.