An overview from the accidental death benefit to daily hospital cash – by content, without specific premiums or amounts. The exact scope of cover differs by insurer: the terms and conditions always govern.
This is where the policy's real value is decided – details: accidental death, permanent disability.
The "small" elements are what you notice at claim time – details: bone fracture, daily hospital cash, surgical benefit.
The life-situation layer – map: special elements, sport, assistance.
The categories are for guidance only: individual insurers group the elements differently (what's basic cover with one is an add-on with another). That's why it's worth looking at them by content when comparing.
| Element | What is it for? | The right question to ask |
|---|---|---|
| Accidental death | Protecting the family in the worst case | Does the amount fit the family's situation? |
| Permanent disability | The cost of rebuilding a life after a severe injury | Is it progressive, and what happens at low percentages? |
| Temporary disability | Softening income loss during the weeks of recovery | From which day, and for how long, is the benefit paid? |
| Bone fracture | A fixed amount for the most common injury | Does it distinguish between a fracture and a crack? |
| Daily hospital cash | For the cost of the days spent in hospital | From which day, and for at most how many days? |
| Surgical benefit | Softening the burden that comes with surgery | How does the policy wording categorise surgeries? |
| Burns and special elements | Rarer but severe types of injury | From which degree, and at what extent, does it pay? |
| Assistance | Practical help during recovery | What does the service arrange, and what does it merely suggest? |
| Sport extensions | Hobby, competitive and higher-risk sports | Is your sport standard cover, subject to a surcharge, or excluded? |
| Exclusions | What the cover typically doesn't take on | Which exclusion affects your everyday life? |
The table is for guidance only and doesn't replace reading the terms and conditions – the crash course on reading the terms and the exclusion map help with that. We deliberately don't write benefit amounts here: they follow from the contracted sum insured and the tables in the terms and conditions – we explain the logic in the articles.
Personal accident insurance pays out for risks of ACCIDENTAL origin – sudden, externally caused events beyond the insured's control. Illness-related loss of income, healthcare organisation and private medical cover are the territory of egeszseg.biz (in Hungarian) – the accident or illness article covers the boundary. Death cover for any cause and savings-based forms are the territory of elet.biz (in Hungarian): we clarify the relationship between the two here. The company benefit package as a whole is the subject of csoportos.biz (in Hungarian) and vallalkozas.biz (in Hungarian) – here we write about the accident module. Employer liability (compensation for a workplace accident) is the world of felelosseg.biz (in Hungarian): group cover doesn't replace it, but it does soften it.
Free, no obligation – by the end you'll see exactly what your options are and what the next step looks like.