The accident insurance is a type of insurance
provide for the payment of a lump sum by the company
insurance in case of death of or compensation in the event
in which an event capable of succeeding in a limit
total or partial, permanent or temporary, the working capacity of
subject.
The accident insurance must be understood as a measure
which aims primarily at protecting the individual from financial loss
resulting from an injury that can limit or prevent the operation eligible
of work.
Insurance against accidents not only affect the
subjects in possession of a valid work; a policy
Accident may indeed be signed also by categories
individuals for whom the event of an injury can result in a
financial loss, even if deferred (as, eg,
in the case of the housewife or student). The accident insurance can
protect the individual against the risks of professional (those
may arise during the course of employment of the insured,
declared the same in the insurance contract) or against
those of nature outside the workplace (that may occur during the
after-work activities related to leisure or the subject).
To be defined as such and to give rise to compensation
by the insurance company under the conditions laid
the policy, the injury must have some special characteristics.
L’infortunio, should be considered as an event “fortuitous because,
violent and external, that produces objectively ascertainable injury”.
According to this definition, the root cause of the accident
must therefore be fortuitous, violent and external.
What causes?
Fortuitous because: means that the accident should not depend on the willingness
the subject who has undergone, must be accidental and unexpected.
Violent injury: means that the accident must happen in a sudden,
should not be the result of a protracted.
External cause: means that the event provoking the accident must come
from the external environment to the individual; within the category
accidents can not be brought within diseases or disorders,
in the internal organization of the subject who is a victim and not
from the outside world.
The purpose of accident insurance is to indemnify the insured or
its beneficiaries from financial loss following the death, all’invalidità
permanent or temporary incapacity of the insured, where such
events are dependent from an injury meeting the specifications provided
the contract.
Among the accidents that usually do not fall within the normal
coverage offered by an accident policy (unless otherwise stated
Contractual) You can find the injuries resulting from activities
character of arson committed or attempted by the insured, the
injuries occurring during sporting or hazardous sports
(not properly reported to the insurance company),
injuries caused by driving in inappropriate conditions in accordance with
Existing provision, Accidents resulting from drunkenness and / or use of
narcotic or hallucinogenic, accidents that occur during
wars and insurgencies, Accidents resulting from particular disasters
Natural (floods, earthquakes and earthquakes).
Remains possible that they can protect themselves from injury
derive from some of those activities or situations (as, to
example, in the case of sporting risks), the price of an additional premium on
insurance policy. Are not insurable persons suffering from alcoholism
or drug abuse, and individuals with certain disorders or
diseases (epilepsy, schizophrenia, organic brain syndromes, form
manic-depressive, paranoid disorders).
At the inception of the policy is applied to the subject
will be sure to clearly state his profession
and working. The occupation is one of the criteria
important on which the insurance company to decide whether
accept or not the client's risk and to assess the premium it
associated. It is therefore essential that the insured shall always
the necessary detail to the type of insurance company
profession at the inception of the insurance contract,
attentive also to promptly report any changes
Activity replaced over time; in this way, l’assicuratore
has the ability to monitor the conduct of risk and
assess the possible aggravation of the same against the insured,
by adjusting the.
The policy provides accident insurance to indemnify the insured or beneficiaries
where the accident results in death, l'permanent invalidità
Temporary or inability of the insured.
And if it takes the death of the insured?
In case of death of the insured caused by accident, the beneficiary
specified in the contract is entitled to compensation as provided
The recipients are nominated by the person who intends to make in
when it is taken out the insurance policy, or be,
with a suitable declaration to the insurance company or
by Will. If no beneficiary has been designated
it is expected that, in case of death of the insured, compensation to be distributed
in equal shares to his heirs.
Which covers?
L'permanent invalidità
For permanent disability refers to the case where the accident
produce irreparable harm and intended to remain for the life of the insured,
significantly affecting their ability to perform any
work. Permanent disability must occur within
a certain period of time from when the accident occurred,
in accordance with the provisions of the insurance contract.
To determine the compensation to be paid to the insured
in the event of permanent disability is referred to the appropriate tables,
contained in the bill, associating to each type of disability
physics (anatomical or functional) indicative of a percentage
reduced earning capacity suffered by a generic entity.
The tables are taken into account to estimate the reduction
the general ability of the insured to take up employment
vary from company to company. However, there are two tables which
often referred: Table ANIA (National Association of
Insurance Companies) and the Inail (National Insurance Institute
Workplace Accidents), generally more favorable to the insured.
If you have multiple impairments, for the determination of compensation
payable to the insured shall be the sum of the percentages attributable
each impairment, up to a maximum percentage of total 100%.
At the request of the insured (normally, priced at a premium
Award) You can make the insurance company,
in assessing permanent disability of the insured, taking into account the
work the same occupation. In this case, l’assicurato
will be entitled to receive compensation in the event significantly greater
where the accident go to irreparably damage
those parts of the body essential to the operation of that particular
work.
It is possible that the insurance contract provides for an exemption to
paid by the insured, which can be absolute or relative.
The temporary disability
For temporary disability refers to the case where the accident
results in the inability of the insured person to make their
employment working for a certain period of time.
In case of temporary incapacity to the insured is guaranteed a per diem
Daily, to curb the negative consequences
Economic resulting from an injury that limits the ability of the subject
to carry out their work for a certain number
of days. Typically, is expected to be granted the insured a
allowance in a reduced form in the event of incapacity is not total and
however, allow the insured person to carry out its part in
work. Occasionally there might be some relief;
the daily, in these cases, will be paid by the company
insurance only in the presence of temporary disability that lasts
beyond a certain period of time.