Accident insurance for athletes (AD)

OBJECT OF INSURANCE

In exchange for the insurance premium, EUROINS insures the physical integrity and/or the life of the Insured by granting indemnification up to the amount insured, in case of occurrence during the insured period of an accident that results in permanent/temporary incapacity or death.

The policy shall cover only athletes aged between 14 and 35 on the inception date of  the insurance that have their domicile or residence in Romania.

Athletes may be amateurs or professionals: - amateur-athletes are those who, for the practice of the sport mentioned in the policy, have no contractual relationship of employment with that sport club they belong to.

-professional athletes are those who, for the practice of the sport mentioned in the policy, meet the following conditions: obtain the professional sport license and sign an individual employment contract or an agreement under the Civil Code with a sport club/institution;

Persons:

-who have a permanent disability greater than 50%,

-with mental illness,

-with obvious physical defects or mutilations

cannot be insured.

INSURED RISKS

BASIC RISKS

EUROINS covers the risks of permanent disability and death as a result of accidents occurred during the validity period of the contract due to participation in competitive sports activity and its related training. Also included in this category are physical collapse or affections due to physical exertion, breaking of various organs, suddenly produced as a result of excessive physical exertion during the sports activity, infection where the infectious substance in the body came about by accident.

SPECIAL EXTENSIONS

-hospitalization as a result of an insured event;

-temporary disability;

-surgery;

-medical expenses;

-bone fractures;

-plaster immobilization device.

SIGNING OF THE CONTRACT

The insurance contract is concluded based on the insurance questionnaire written and signed by the Insured.

The insurance is considered to be concluded by the payment of the insurance premium (or the first installment) by the Insured and the issuing of the insurance policy by EUROINS.

INSURANCE PREMIUM

Insurance premiums are paid in full and in advance, in no more than four installments.

Failure to pay a premium installment on its due date shall result in suspension of the contract.

INSURED’S/CONTRACTOR’S OBLIGATIONS

Immediately after the accident, the Insured must report to a health facility or a doctor to be examined and must follow the prescribed treatment.

If the Insured does not have this possibility, the obligation to present the Insured to the health unit or doctor and to make sure the Insured follows the prescribed treatment falls on the Contractor.