Insured event

Insured event is occurred loss or accident depending on the type and risk of insurance. This loss is different according to the type of insurance. On occurrence of the insured event insureds must act in accordance with the rules and terms of insurance policy they have.

Personal insurance

Insured events in personal insurance are: injury, poisoning, injured bodies or their removal as a result of risks concerned with life and health of the insured person, sudden disease with the stationary or outpatient care of the insured.

Property insurance

Insured events in the insurance of property are: spoiling, damage or loss of the insured property in the result of wreck, natural disasters, accidents, third parties deliberate and wrongful acts, theft and fire.

What to do in this case?

Property insurance

In the insurance case the insured property insurance:

In case of destruction or damage during theft of property or commission, immediately inform the police, in case of fire - to the fire service, and in case of explosion or accident - to the relevant rescue and emergency services
Inform the Insurer immediately of the insured event. The written statement shall indicate: where and under what circumstances the theft, destruction or damage of property was carried out, which competent authorities were informed about the case
Make a list of destroyed, damaged or stolen property for all types, with the exception of the case of destruction of all property
To save the damaged property or the remains from it until the arrival of the representative of the Insurer for presentation upon preparation of the act on the insured event.

Personal insurance

In the event of an insured event with personal insurance, the Policyholder shall immediately, but not later than three business days, send a written application to the insurance organization.

The application shall be accompanied by an insurance policy, an identity document of the recipient of compensation, documents confirming the insurance event. Together with them, in connection with personal injury as a result of an accident, it is necessary to provide:

an extract from the medical history of the patient receiving treatment in the hospital, and for the patient receiving outpatient treatment - the original copy of the medical certificate or a copy of the medical record sealed with the seal of the medical institution
documents of competent institutions confirming the accident (if necessary).