Employment Accident Insurance
Occupational Accident Insurance provides financial protection for employers and employees in the event of a work‑related accident, injury, or occupational disease. This type of insurance ensures that employees receive the necessary support and compensation, while employers comply with legal requirements and safeguard their workforce.
Occupational Accident Insurance provides protection for employees and workers engaged in activities that pose a risk to their life or health.
The insurance is designed for employees and workers whose roles fall within economic sectors where occupational injury rates meet or exceed the national average.
Your essential protection includes:
- Temporary incapacity for work due to an occupational accident.
- Permanent reduced working capacity due to an occupational accident.
- Death due to an occupational accident.
Enhance your protection with optional coverage:
- Coverage extended to include occupational accidents under Article 55(2) of the CSR.
- Temporary disability due to an occupational accident with a high insurance sum.
- Expanion of cover to include coverage abroad.
- Flexible contracting options – available as both individual and group insurance.
- Full reimbursement of approved expenses – the insurance includes no deductible, ensuring 100% coverage of eligible costs.
- Protection tailored for high‑risk professions – designed to support employees exposed to increased occupational hazards.
- Option for extended coverage abroad – ensuring continuous protection during work performed outside the country.
- Fast and seamless onboarding of new employees – easy inclusion of additional staff under the existing policy.
Frequently Asked Questions
Changes may be made to the contract. The policyholder shall notify the insurer of any changes in the list of insured persons, based on which information ZK LEV INS AD shall issue an addendum.
Some of the professions that require compulsory "Work Accident" insurance include construction workers and infrastructure maintenance workers, manufacturing and industrial workers, electricity distribution companies, mining and extractive industries, transport, and others.
It is possible to take out an individual policy, but for professions that require compulsory insurance, it is taken out by the employer.
In the event of an insured event, you can contact us within 7 working days on our 24-hour toll-free number: 0800 10 200 and provide complete and comprehensive information about the accident.
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