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TUZ Group accident insurance

TUZ

Group accident insurance from TUZ - protection for employees and organized groups

Group personal accident (personal accident) insurance from TUZ Towarzystwo Ubezpieczeń Wzajemnych is a flexible product designed for companies, schools, associations, sports clubs and other organized groups. The insurance provides coverage for permanent injury and death as a result of an accident, and thanks to 8 additional clauses, coverage can be extended to include hospitalization, medical expenses, rehabilitation and much more.

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From 5 people

Group insurance for a minimum of 5 people - employees, students, association members

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8 clauses

Basic option + 8 additional clauses to choose from - full flexibility

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Security 24/7 or at work

Full (24-hour) or limited (at work/school) coverage

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SU from £5,000

Sum insured from PLN 5,000; up to 65 years of age no limit, 65-70 years max. PLN 20,000.

Group accident insurance coverage from TUZ TUW.

Basic variant

Each group NNW contract from TUZ includes two basic benefits:

  • Permanent damage to health - pro-rata benefit: 1% of the sum insured for each 1% of damage, determined according to the TUZ TUW table of norms.
  • Death as a result of NW - payment 100% of the sum insured to beneficiaries (beneficiaries or heirs).

Additional clauses - extended variant

The policyholder may extend coverage with any additional clauses of his choice:

  • Clause 01 - Heart attack and stroke - Extension of coverage to include the consequences of heart attack and stroke (for people up to 65 years of age)
  • Clause 02 - Daily hospital benefits - Benefit for each day of hospital stay due to NW (min. 3 days, max. 90 days after accident)
  • Clause 03 - Medical expenses - reimbursement of medical expenses incurred in the territory of the Republic of Poland following an NW (up to 365 days after the event)
  • Clause 04 - Orthopedic items - reimbursement for the purchase of orthopedic items and aids prescribed by a doctor
  • Clause 05 - Professional retraining - Covering the costs of training disabled persons in case of permanent inability to work so far
  • Clause 06 - Rehabilitation costs - Reimbursement of rehabilitation costs after NW in Poland (up to 365 days after the event)
  • Clause 07 - Permanent and total inability to work - Benefit in case of declared inability to perform any gainful work (min 12 months)
  • Clause 08 - Additional NW death benefit. - Additional 50% sums insured paid to beneficiaries in case of death due to NW (up to 90 days after the event, up to age 65).
NNW assistance - help in difficult situations

Insurance can be extended to include NNW assistance, which provides: medical telephone information, a doctor's visit at home (to 300 zł), a nurse's visit, delivery of medicines and rehabilitation equipment to the home, as well as assistance from a psychologist. Benefits are provided by the Assistance Operations Center operating 24/7.

Important information about insurance

Time range: Protection in the full (24h/day) or limited (during work / study, on the way to and from work / school) variant.

Sum Insured: The minimum SU is PLN 5,000. For persons over 65 (up to 70 years of age), the maximum SU is PLN 20,000. In group insurance, the SU is the same for all insured, unless the parties agree otherwise. Sums insured are reduced by benefits paid.

Period of insurance: contract for 12 months or shorter (e.g., for the duration of colonies, camps, holidays). Coverage begins from the day following the conclusion of the contract and payment of the premium.

Penalty: 7 days in the case of: SU increase during the course of insurance, joining a group during the course of the contract, individual insurance for someone else's account.

Determining prejudice: The percentage of permanent impairment is determined in absentia (without a medical board) on the basis of the TUZ TUW standards table and medical records.

Premium and contract conclusion

The amount of premium is determined individually on the basis of the tariff in effect on the date of the contract. It depends on the selected variant, additional clauses, the sum insured and the size and structure of the group. Premium payable as a single payment or in installments.

How to take out insurance?

1. Contact a Polisarium advisor at. 325 325 325 - We will discuss the needs of your company or group.

2. We will advise on the optimal option and additional clauses, prepare a quote.

3. After accepting the offer, we prepare the contract and insurance document.

4. Coverage begins from the day after the conclusion of the contract and payment of the premium.

Downloadable documents: OVU NNW TUZ TUW

Disclaimers

The insurer will not pay the benefit in the following situations, among others:

  • Events caused intentionally by the insured or relatives
  • Operating under the influence of alcohol, drugs or intoxicants not recommended by a physician
  • Driving a vehicle without the required authorization or a vehicle that is not allowed to be driven
  • Competitive or professional sports and high-risk sports (unless otherwise specified in the contract)
  • Air accident (except for licensed airlines)
  • Attempted suicide or self-harm
  • Use of pyrotechnics (firecrackers, fireworks)

For a full list of exclusions and limitations of liability, please refer to the product's T&C.

Frequently asked questions about group accident insurance from TUZ

The insurance covers groups of a minimum of 5 individuals belonging to a specific collective: workplace, school, university, kindergarten, nursery, crèche, association, sports club, participants of camps, colonies or holidays. Family group insurance (up to 4 people in a common household) is also possible.

The basic option includes two benefits: payment for permanent injury (1% SU for each 1% of injury) and payment for death due to accident (100% SU). The option can be extended with 8 additional clauses.

There are 8 clauses available: Myocardial Infarction and Stroke (Clause 01), Hospital Day Benefits (Clause 02), Medical Expenses (Clause 03), Orthopedic Items (Clause 04), Vocational Retraining (Clause 05), Rehabilitation Expenses (Clause 06), Permanent and Total Disability (Clause 07), and Additional NW Death Benefit - 50% SU (Clause 08).

The minimum sum insured is PLN 5,000. For people up to 65 years of age, there is no upper limit - higher sums are determined individually. For people over 65 (up to age 70), the maximum SU is PLN 20,000. In group insurance, the SU is, as a rule, the same for all group members.

It depends on the selected time variant. Insurance can operate in full coverage (24 hours a day, worldwide) or limited coverage (only during work/study and on the way to and from work/school). The choice of the time variant is made at the conclusion of the contract.

The 7-day grace period applies in three cases: when increasing the sum insured, when a new person joins the group during the term of the contract, and in individual insurance for a third-party account. In the standard case (conclusion of a new contract), coverage begins from the day following the conclusion of the contract and payment of the premium.

The loss must be reported to TUZ TUW immediately, no later than within 7 days of the accident. Determination of the degree of impairment is made in absentia - on the basis of medical records and the TUZ TUW table of standards, without the need to appear at the medical board. For assistance with your claim, contact your Polisarium advisor: 325 325 325.

Why choose group accident insurance from TUZ?

Group accident insurance from TUZ Towarzystwo Ubezpieczeń Wzajemnych is a proven solution for companies, schools and organizations that want to provide protection for their members in case of unfortunate events. A flexible system of additional clauses allows you to precisely match the scope of protection to your group's needs - from basic accident insurance, through hospitalization and medical expenses, to rehabilitation and assistance.

Contact a Polisarium advisor at. 325 325 325, to get a customized offer for your group.