Personal Accident Insurance

We support an active lifestyle! Hope you do as well. Protect your future and well-being, take out Personal Accident Insurance on yourself and/or your family members. There may be things that you or your relatives do daily that could lead to an accidental injury, trauma or even death and result to out-of-pocket expenses.

In cooperation with AB Lietuvas Draudimas we have prepared Personal Accident Insurance with special conditions for Luminor customers that helps to reduce or prevent financial difficulties associated with injury treatments or accidental death.

Why choose Personal Accident Insurance?

Worldwide protection

With Personal Accident Insurance policy, there is no geographical limitation. Irrespective of the location of the accident, the insurance coverage is valid worldwide. The coverage is valid 24/7, when you perform work duties, enjoy planned trip, spend leisure time, or pursue an active lifestyle.

Extensive coverage

There are a wide range of injuries and incidents that a Personal Accident Insurance scheme will cover. The Personal Accident Insurance is paid if, for instance, in the result of previously unforeseen external circumstances you suffer a trauma, get a serious injury, die or become permanently disabled as a result of an accident.

Affordable costs

The cost of Personal Accident Insurance premium is relatively low compared to Health Insurance and other types of coverage. This Personal Accident Insurance allows you to get an insurance indemnity even if the same insured event is already compensated by Credit Life Insurance, Health insurance or other type of medical insurance (insurance indemnity under this insurance will be paid in addition to insurance indemnity paid under other insurance coverage you may have).
 

What does Personal Accident Insurance cover?

Insurance coverage

Individual package (Double protection)

Family package (Standard protection)

Bone fractures and dislocations (T1)

3800 EUR

3 600 EUR

Soft tissue injuries and internal organ damage (T2, minor injuries)

3800 EUR

3 600 EUR

Permanent disability and dismemberment (T3, major injuries)

6400 EUR

10 000 EUR

Accidental death (M)

6400 EUR

10 000 EUR

Low-risk sports (e.g., fitness, yoga, running, cross-country skiing, aerobics, off-highway cycling, basketball, football)

Included

Included

Professional sports and Extreme sports

Not included

Not included

Occasional infectious diseases

Not included

Not included

Suicide or natural death

Not included

Not included

Intentional self-injury, trauma due to any illness or disease

Not included

Not included

Insurance premium

28 EUR a year

35 EUR a year

Individual package means that each person can himself/herself specify the desired insurance amount. On Luminor webpage we offer to apply for Individual package with double protection that can be treated as optimal level because maximum insurance amount in case of fatal tragedy is close to minimal annual salary in the country. During the meeting with bank’s specialist any of four different protection levels can be discussed and chosen: 

With Family package you can insure up to 5 persons. Those persons can be your new-born child, your children under 18 years of age, your spouse, your parents or any other relative with whom you share your dwelling residence. Insured persons up to and including 70 years of age and at least one of them is an adult.The sum insured provided by family package is lower because insurance amount is divided proportionally among insured persons. For example, for two adults and one child, the sum insured under the T1 and T2 injury tables will be 1200 EUR per family member and 3334 EUR per family member according to the T3 injury injuries table the same number of deaths due to an accident.

Important to know 

How to apply?

Submit an electronic insurance application, book a consultation online or in a bank office. We will identify the specific insurance need and interest and make a corresponding insurance offer.

Receive the insurance offer by e-mail and conclude insurance contract by paying the insurance premium.

Set up an e. invoice with automatic payment if you plan to renew insurance contract automatically.

Enjoy Insurance coverage. Coverage for all insured risks will take effect when initial waiting period ends. Insurance coverage will continue until the end of the insurance contract. In case of an insured event, fill in the claim notification form online on webpage or call insurance company via phone 1828.

Documents

  • Filled insurance application if you apply electronically
  • Passport or ID card if you book physical meeting with bank specialist
  • We will inform if additional documents are needed

Protect yourself and your family

Similar services: Travel InsuranceSafe Card Security ServiceCredit Life Insurance, Loan Payment Insurance

When offering the Personal Accident Insurance Luminor Bank AS, reg. No 11315936, address: Liivalaia 45, 10145, Tallinn, Republic of Estonia, represented within the Republic of Lithuania by Luminor Bank AS Lithuanian branch (company code 304870069, VAT identifier: LT100011758514, address: Konstitucijos ave. 21A, 03601 Vilnius, Lithuania) acts as insurance agent, distributing an insurance on behalf of AB Lietuvos Draudimas insurance company (reg. No. 110051834, having its registered office at J. Basanavičiaus g. 12, LT 03224 Vilnius). Luminor Bank AS shall process your personal data to prepare AB Lietuvos Draudimas insurance offer and forward them to insurer. AB Lietuvos Draudimas as the data controller shall process your personal data (including personal data of special categories and personal identification codes) to secure performance of the insurance agreement and compliance with legitimate interests of the insurer or a third party. More information on personal data processing is available on the website ld.lt under section Privacy Policy, the insurer’s customer service centres or by e mailing your enquiries to the address info@ld.lt.