The vocabulary of accident insurance isn't large – but it is precise. This glossary gives every term in one plain sentence; where a deeper article exists, a link takes you there. For the shorter, beginner-friendly version: 15 basic terms in a few minutes.
- Every term in a single sentence – in everyday language instead of jargon.
- The deeper explanations are in the linked articles – this glossary is the map, not the textbook.
- Hungarian equivalents are in the mini dictionary.
A–D
Accident (baleset): under the policy wording, an event that is sudden, caused from outside the body, and beyond the insured's control. Accidental death benefit (baleseti halál fedezet): an element that pays out only for death of accidental origin. Assistance service (asszisztencia): an organisational and support service element for the time you spend recovering. Beneficiary (kedvezményezett): the recipient of the death benefit. Benefits schedule (szolgáltatási táblázat): the annex to the policy wording listing the benefit amounts and categories. Bone fracture benefit (csonttörés-térítés): a fixed-amount element paid for a fracture. Claim notification deadline (kárbejelentési határidő): the notification window set out in the policy wording, typically short. Claims hotline (kárvonal): the insurer's phone and online channel for reporting a claim – the primary route. Day surgery (egynapos sebészet): a procedure that ends with discharge the same day – how it's treated is a key question for the surgical benefit. Discharge summary (zárójelentés): the document that closes out a hospital stay – the key paper for several elements. Duty of disclosure (közlési kötelezettség): accurately disclosing the material facts about the risk at signing and whenever they change.
E–O
Entry age limit (belépési korhatár): the age range within which a given product can be taken out. Exclusion (kizárás): what the cover doesn't extend to – see the map in a separate article. Extra premium / loading (pótdíj): the additional premium for higher risk (sport, occupation) – the tool that brings it into cover. Group personal accident insurance (csoportos balesetbiztosítás): the form an employer takes out for its team. Inpatient care (fekvőbeteg-ellátás): treatment that involves staying in hospital – the basis for daily hospital cash. Insured person (biztosított): the person whose accident the cover applies to. Linear benefit (lineáris térítés): a payout directly proportional to the degree of permanent disability. Medical expert (orvosszakértő): the doctor who assesses the degree of impairment under the rules of the policy wording – the process is described here. Occupational risk class (foglalkozási/kockázati besorolás): placing your occupation into a risk category – a factor that shapes both premium and terms.
P–S
Permanent disability (maradandó egészségkárosodás): the lasting impairment left behind after recovery – the policy's most valuable element. Policyholder (szerződő): the party who takes out the contract and pays the premium. Premium (díj): the regular payment for the cover – on this site we discuss what shapes it in principle, without figures. Progressive benefit (progresszív térítés): a payout with a higher multiplier for more severe impairment. Start of cover (kockázatviselés kezdete): the point in time from which the insurer is liable – details here. Sports extension (sport-kiterjesztés): bringing a higher-risk or competitive sport into cover. Stabilisation period (türelmi idő / állapot-állandósulás): the period before permanent disability is assessed, allowed for the final condition to settle. Sum insured (biztosítási összeg): the base amount the benefits are scaled to – sizing it gets its own article. Surgical benefit (műtéti térítés): a fixed-amount element based on the category of the procedure.
T–W
Temporal scope of cover (hatály – időbeli): protection that's 24-hour or limited to working hours. Temporary disability (múlékony sérülés): an injury that heals completely – covered through the daily benefit. Territorial scope of cover (hatály – területi): where an accident has to happen for the policy to pay. Travel insurance (utasbiztosítás): a separate product that reimburses medical costs abroad – the article on where the line falls. Waiting period (várakozási idő): the period before certain benefits begin – typically absent for standard accident elements. Workplace accident (üzemi baleset): the social-security term for an accident connected with work – the facts here.
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