Nezgodom ili nesrećnim slučajem, smatra se svaka nepredviđena situacija koja se nije mogla planirati, a koja je nastala neočekivano i nezavisno od volje osiguranika. U takve situacije spadaju prolazna nesposobnost, trajni invaliditet, smrt, kao i boravak odnosno lečenje u bolnici (troškovi lečenja).
This group includes several types of insurance such as:
The insurance premium in this case depends on several factors:
U porodično domaćinstvo ubrajaju se roditelji, njihova deca i ostali članovi porodičnog domaćinstva, koji zajedno stanuju. Članovi porodičnog domaćinstva koji privremeno borave negde drugo, van svog mesta, radi školovanja ili zaposlenja mogu takodje biti osigurani.
Porodično domaćinstvo može se osigurati od sledećih posledica nesrećnog slučaja: smrt usled nesrećnog slučaja, smrt usled bolesti, trajni invaliditet (potpuni ili delimični) i bolnički dani.
Individualno – pojedinačno osiguranje od posledica nesrećnog slučaja namjenjeno je osiguranju pojedinca od nezgode prilikom obavljanja redovnih radnih zadataka ili u slobodno vreme.
Ova vrsta osiguranja može se zaključiti od sljedećih opasnosti: smrt osiguranika uzrokovana nezgodom, trajni invaliditet ili trajni (potpuni ili delimični) gubitak radne sposobnosti.
Kolektivno osiguranje od posledica nesrećnog slučaja zaposlenih, na poslu, u toku i van radnog vremena, namijenjeno je osiguranju radnika u kompanijama, institucijama ili udruženjima. Osiguravaju se svi zaposleni na određeno i neodređeno vreme kod ugovarača osiguranja, a kolektivno osiguranje zaposlenih može se zaključiti za slučaj: smrti osiguranika usled nezgode, trajnog invaliditeta ili potpunog/delimičnog gubitka opšte radne sposobnosti, dnevna naknada (privremena nesposobnost usled nezgode, troškovi lečenja i bolnički dani).
Osim već navedenih vrsta osiguranja od posledica nezgode, moguće je ugovoriti osiguranje penzionera, sportista, dece i omladine kao i obavezno osiguranje putnika u prevozu i sl.
Any unforeseen situation that could not be planned and that arose unexpectedly and independently of the will of the insured is considered an accident. Such situations include temporary incapacity, permanent disability, death, as well as hospital stay or treatment (treatment costs).
This group includes several types of insurance such as:
The insurance premium in this case depends on several factors:
A family household includes parents, their children and other members of the family household who live together. Family household members who temporarily stay somewhere else, outside of their city, for the purpose of education or employment, can also be insured.
A family household can be insured against the following consequences of an accident: death due to an accident, death due to illness, permanent disability (total or partial) and hospital days.
Individual accident insurance is intended to insure an individual against an accident while performing regular job assignments or in their free time.
This type of insurance can be concluded against the following risks: death of the insured caused by an accident, permanent disability or permanent (total or partial) loss of working ability.
Collective insurance against consequences of accidents involving employees at work, during and outside of working hours, is intended for the insurance of employees in companies, institutions or associations. All employees are insured with an insurance company for a fixed or indefinite period. Collective insurance of employees can be concluded against: death of the insured due to an accident or due to illness, permanent disability or total/partial loss of general working ability, daily compensation (temporary disability due to an accident, treatment expenses and hospital days).
In addition to the already mentioned types of accident insurance, it is possible to contract insurance for pensioners, athletes, children and youth, as well as mandatory insurance for passengers in transport, etc.
Not sure what you or your company needs?
Find out in just a few steps…
Pitanja i mogućnosti je mnogo. Ne možete biti sigurni šta Vam sutra donosi, ali svakako da je dobro imati sigurnog partnera…
Da podnesete prigovor kliknite na mail: prigovori@ifsps.co.rs
Stay up to date with news in the area of insurance and our services
© 2025, IFS Poslovni sistem.
All rights reserved
