The consequences of falling ice from the roof are traditionally classified as injuries, and such a risk is specified in the accident insurance policy.
“As for the possibility of receiving compensation for harm caused to health, it is a classic accident insurance that gives the right to compensation for damage in accordance with the payout table, which determines the percentage from the coverage amount,” stated Sovcombank Life Insurance. It is important to note the damages included in the table in order to understand which cases are eligible for compensation. It may turn out that a small bruise is not the case.
By issuing a policy under the Injury Protection program in SberStrakhovanie, you can protect yourself from ice falling from the roof. “Upon occurrence of an insurance event, the client will be able to get compensation that can be spent on medical treatment and recovery from an injury,” says Yelena Kosheleva, director of SberInsurance projects. The policy can be issued in accordance with a subscription model, which covers one, three months or a whole year. Thus, the insurance policy will be valid for the period that is most relevant for the client. For example, coverage can only be purchased for the winter, when the risks of injury due to ice falling from the roof are highest.
The amount of the accident insurance payout will depend on severity of the injury and insurance coverage under the contract (how much the injured is insured for).
Is it possible to get compensation twice?
Many injured persons wonder who to address for compensation and whether it is possible to simultaneously receive compensation both under the policy and from public utilities directly responsible for the ice fall. “Payments under the accident protection program do not depend on other compensation, for example, payments by the management company. Upon the occurrence of an insured event, the client will receive a one-time payment that he can spend on recovery,” says Yelena Kosheleva.
Where to apply: CHI or VHI
The injured will be able to receive medical care both under the CHI and VHI programs. The vast majority of VHI programs cover the treatment of injuries, except for, maybe, budget options that include VHI only for emergency cases. “Accident insurance will work in the same way if it is part of a life insurance contract or travel insurance policy. Any VHI program will do in terms of medical treatment. Medical assistance and treatment will be provided to the injured,” informed Sovcombank Life Insurance.
Insurance company will pay for medical treatment if you have an insurance policy. The insured will also reserve the right to go to court for compensation of non-pecuniary damages and costs incurred for medical care and medicines. This is possible if, the payment under an accident insurance contract, which is calculated according to the table of injuries based on the fixed coverage amount, is less than what has been actually spent on recovery, and it is documented.
Thus, it is possible to reimburse the difference between the insurance payout and actual costs incurred for medical care. “In an emergency, when you urgently need to call an ambulance, we recommend using compulsory medical insurance, as within the framework of the public health system, ambulance can arrive faster,” notes Sovcombank Life Insurance. In the event of ice falling from the roof, even five minutes can make a difference.
Photos are from open sources.
