How it works

Run the numbers in minutes – then let's talk it through.

At baleset.biz, the machine and the human work together: the online calculator gives you direction in minutes, and our work together delivers well-sized, well-maintained cover. Your time in all of this adds up to a few hours – I handle the rest.

Online calculationBook a call

All Imi noticed was this: there was a good conversation – and the cast came with no financial headache attached.

Online calculation – minutes

The first step can be right now: the online calculator (in Hungarian) gives you direction from your own data. No obligation – and everything you enter is put to use in our work together too.

Needs assessment and sizing the sum insured

20 minutes by phone or video: family, work, sport, existing cover. This is where we set the most important thing: a sum insured that fits your income and situation.

Offers in one table

Competing offers from several insurers in one clear, common table: amounts, benefit logic, sport and occupation rules, exclusions – ready for a decision.

Taking out the policy

You decide, I handle the paperwork. It's worth checking the start of cover and any waiting periods before taking out the policy – better to know now than find out at a claim.

At a claim: an orderly path

You report the claim through the insurer's claims hotline or online portal – that's the fastest route. If a case gets stuck or is disputed, I help the client find their way, where I can, as the broker.

Review, if warranted

A review, if your situation changes or you ask: amounts, sport, occupation, life situation. New job, new hobby, growing family? The cover should follow your life – not the other way round.

The details of each step are in Insights: needs assessment, sizing the sum insured, comparing offers, taking out the policy, reporting a claim, the annual routine.

The company route: group personal accident insurance for your team

For companies, the process is just as simple, only the scale differs: a headcount- and activity-based needs assessment, an offer comparison table for the decision-maker, then rollout across the team – with roster management and a joiner-leaver routine. A tax-favoured benefit under the tax rules in force, available even for small headcounts – with no individual health assessment.

Why is it a good benefit? →Steps to roll it out →Company checklist →
Request a quote for my team

Timeline – what happens when?

  1. Today: online calculation (minutes) – a ballpark figure and a first look at the market, no obligation.
  2. Needs assessment (20 minutes) + sizing the sum insured – by the end you'll know what amount and content are worth requesting quotes for.
  3. Requesting quotes and handing over the table – when the quotes arrive depends on the insurers' response times; you receive the table, and I answer your questions.
  4. Taking out the policy – I prepare the paperwork, you decide and sign; the health declaration for accident cover is typically simpler than for life insurance.
  5. After taking out the policy: we check the policy together – amounts, beneficiary, sport and occupation classification; the policy should go into the family folder, and the claims hotline number into your phone.
  6. If warranted (or on request): a review – amounts, life situation, changes in sport and occupation; we also adjust mid-year if life calls for it.

And what comes after taking out the policy – ongoing support

What do I ask of you, in total? One calculation or one 20-minute conversation, a few honest facts about your family or team, and one decision. The rest – sizing, competitive comparison, the table, paperwork – is my job; reminders, I send on request. The advice is free; the insurer pays the broker's commission.

Let's talk it through in 20 minutes – what fits your family.

Free, no obligation – by the end you'll see exactly what your options are and what the next step looks like.

📞 +36 20 362 6835✉️ info@tukacs.com
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