Accident insurance
Online life and health insurance
Life is unpredictable.
Protect yourself and your loved ones from accidents and receive financial compensation
Who may find accident insurance useful?
Athletes
The policy covers traumatic injuries that may occur during professional or extreme sports and competitions. Sports insurance includes swimming, basketball, volleyball, tennis, athletics, wrestling, karate, boxing, skiing, mountaineering, parachuting and more.
Parents
Parents can insure a child of any age or the whole family under one contract (up to 4 people inclusive). The policyholder (one of the parents) must be over 18 and fully legally capable.
Employees
Employees in high-risk professions can receive payouts for occupational diseases or workplace injuries. Office workers and others whose jobs are not high-risk can also get coverage.
Tourists
A tourist can receive compensation for accidents abroad (except russia, belarus, countries not recommended by Ukraine’s MFA, war zones and temporarily occupied territories). If you break a leg, get burns or frostbite, animal or insect bites, etc., the insurer pays the percentage of the sum insured stated in the contract.
Available insurance programs
Insured events
Injuries
If the insured person is injured, the insurance company pays a cash amount according to the table of benefit sizes. For example, coverage includes fractures of upper and lower limbs, ribs, skull bones, dislocation of the jaw or shoulder, eye (vision) and ear (hearing) damage, abdominal organ injuries and more.
Death
If the insured person dies as a result of an accident, the insurer pays the beneficiary 100% of the sum insured. The beneficiary is the person named in the contract, or if none is named — the legal heir.
Group I disability
If Group I disability occurs as a result of an accident, the insured person receives 100% of the sum insured: UAH 80,000, 200,000 or 300,000, depending on the program.
Group II disability
If Group II disability occurs as a result of an accident, the insured person receives 80% of the sum insured. Granting disability status to an insured person under 18 also allows a payout of 80% of the sum insured.
Voluntary accident insurance
Accident insurance is a daily financial protection mechanism that supports you in case of injuries, accidents or other unforeseen circumstances that may negatively affect a person’s life or health.
A key feature of the policy is coverage of emergency medical care, treatment and rehabilitation after injuries. In some cases the contract may provide cash compensation for a period of incapacity or disability. Detailed terms depend on the specific program, but risks most often include fractures, burns, muscle and ligament damage, and serious conditions caused by an accident.
It is important to understand the difference between accident insurance and other products, especially health insurance. While medical insurance usually covers examinations, inpatient and outpatient care, an accident policy provides additional compensation related to injuries of varying severity.
Health insurance
A type of cover within the accident insurance category focused on medical-related expenses, including outpatient treatment, hospitalization and rehabilitation. It is especially useful for people who want to protect themselves from significant financial costs in case of illness or injury. The policy may include basic services or extended programs depending on the client’s needs.
Life insurance
A life insurance policy provides financial support to the insured person or their relatives in critical circumstances. This covers not only fatal outcomes but also loss of working capacity or disability. Payout structure and terms depend on the selected product, but the overall goal is protection against financial hardship linked to serious life changes.
Athlete insurance
Sport involves significant physical strain that can lead to injuries or exhaustion. Sports insurance for amateurs and professionals protects against unforeseen events related to competitions, training or active leisure.
Child accident insurance
A way to provide financial protection in case of injuries or other unforeseen situations involving a child. Children are especially exposed to such risks due to an active lifestyle, sports and everyday curiosity.
Shark Insurance does not store personal data unnecessarily, but uses cookies to work correctly. Click “Allow all” if you agree to the portal using these files.