Personal Accident Insurance

We support an active lifestyle! Hope you do as well. Protect your future and well‑being, take out Personal Accident Insurance on yourself and/or your family members. There may be things that you or your relatives do daily that could lead to an accidental injury, trauma or even death and result to out‑of‑pocket expenses.

In cooperation with AB Lietuvos Draudimas we have prepared Personal Accident Insurance with special conditions for Luminor customers that helps to reduce or prevent financial difficulties associated with injury treatments or accidental death.

Why choose Personal Accident Insurance?

Worldwide protection

With Personal Accident Insurance policy, there is no geographical limitation*. Irrespective of the location of the accident, the insurance coverage is valid worldwide. The coverage is valid 24/7, when you perform work duties, enjoy planned trip, spend leisure time, or pursue an active lifestyle.

*Insurance coverage is not valid on the territories of Belarus and Russia

Extensive coverage

There are a wide range of injuries and incidents that a Personal Accident Insurance scheme will cover. The Personal Accident Insurance is paid if, for instance, in the result of previously unforeseen external circumstances you suffer a trauma, get a serious injury, die or become permanently disabled as a result of an accident or if one of the 15 diseases from the list of Additional Diseases occurs.

Affordable costs

The cost of Personal Accident Insurance premium is relatively low compared to Health Insurance and other types of coverage. This Personal Accident Insurance allows you to get an insurance indemnity even if the same insured event is already compensated by Credit Life Insurance, Health insurance or other type of medical insurance (insurance indemnity under this insurance will be paid in addition to insurance indemnity paid under other insurance coverage you may have).

What does Personal Accident Insurance cover?

Personal package

Bone fractures and dislocations (T1)	EUR 4,000
Soft tissue injuries and internal organ damage (T2, minor injuries)	EUR 4,000
Permanent disability and dismemberment (T3, major injuries)	EUR 7,000
Accidental death (M)	EUR 7,000
Additional diseases (P)	EUR 300
Leisure sports (e.g., basketball, football, tennis, riding with bike, running, aerobics, yoga, fitness, skiing, etc.)	Included
Combat and contact sports (boxing, wrestling, karate, rugby, etc.) for children up to 18 years old. inclusive	Included
Recreational horse riding	Included
Psychologist's help after severe injuries according to table T3 - up to 10 visits (paid EUR 80 per visit)	Included
Insurance premium	EUR 42 per year

Personal package (double protection)

Bone fractures and dislocations (T1)	EUR 8,000
Soft tissue injuries and internal organ damage (T2, minor injuries)	EUR 8,000
Permanent disability and dismemberment (T3, major injuries)	EUR 14,000
Accidental death (M)	EUR 14,000
Additional diseases (P)	EUR 600
Leisure sports (e.g., basketball, football, tennis, riding with bike, running, aerobics, yoga, fitness, skiing, etc.)	Included
Combat and contact sports (boxing, wrestling, karate, rugby, etc.) for children up to 18 years old. inclusive	Included
Recreational horse riding	Included
Psychologist's help after severe injuries according to table T3 - up to 10 visits (paid EUR 80 per visit)	Included
Insurance premium	EUR 84 per year

Family package

Bone fractures and dislocations (T1)	EUR 8,000
Soft tissue injuries and internal organ damage (T2)	EUR 8,000
Permanent disability and dismemberment (T3)	EUR 20,000
Accidental death (M)	EUR 20,000
Additional diseases (P)	EUR 600
Leisure sports (e.g., basketball, football, tennis, riding with bike, running, aerobics, yoga, fitness, skiing, etc.)	Included
Combat and contact sports (boxing, wrestling, karate, rugby, etc.) for children up to 18 years old. inclusive	Included
Recreational horse riding	Included
Psychologist's help after severe injuries according to table T3 - up to 10 visits (paid EUR 80 per visit)	Included
Insurance premium	EUR 98 per year

On Luminor webpage, we offer to apply for a Personal package or a Family package. By choosing the Family package, you can insure up to 5 persons. The insured can be your newborn, children under 18 years of age, your spouse, parents or any other relative living with you. Persons up to and including 70 years of age and at least one of them is an adult are prohibited. After choosing a family package, the insurance amounts are divided proportionally to the number of insured family members. For example, for a family of two adults and one child, the insurance amount under the P (Additional diseases) insurance option will amount to EUR 200 per family member, according to the T1 and T2 injury tables it will be EUR 2,667 per family member and EUR 6,667 per family member according to the T3 injury table and after the same amount of death due to an accident.

Important to know

Insurance will take effect on the 6^thday after entering into the initial insurance contract, i.e., after insurance premium is paid. Initial waiting period does not apply for renewed insurance policy.
Renewed policy is automatically sent via e-mail before the expiry date of the policy. The number of automatic renewals of the insurance contract is not limited. The insurer, having assessed the insurance risk, has the right not to renew the insurance contract.
In case of insurance renewal, if the automatic debiting from the bank account has been selected (valid for contracts concluded no later than 1 January 2020 and only for those customers who have not been informed about the changes), the Bank is debiting the insurance premium 5 (five) days before the expiry of the insurance cover. The Client must ensure the necessary amount in the account in order to debit the insurance premium 5 (five) days before the expiry date of the insurance cover. This way, you will be able to enjoy uninterrupted insurance coverage without any extra effort.
Trauma and injury coverage is valid regardless of whether insured person was intoxicated or not. In case of accidental death insurance indemnity is paid only if alcohol concentration level in the blood of insured person does not exceed 0.4 per mille.
A non-insurable event is considered to be the occurrence of a disease specified in the list of additional diseases (P) within 30 days from the date of inclusion of the insurance option for additional diseases in the insurance contract. This provision does not apply when additional illness insurance coverage is continued in the renewed contract.

How to apply?

Submit an electronic insurance application or book a consultation online. After determining your insurance needs, we will provide you with an insurance offer.

Receive the insurance offer by e-mail and confirm it by paying the first premium.

Be safe. To always be safe, choose an automatic payments at Lietuvos draudimas self-service savasld.lt

Enjoy Insurance coverage. Coverage for all insured risks will take effect when initial waiting period ends. Insurance coverage will continue until the end of the insurance contract. In case of an insured event, fill in the claim notification form online on webpage or call insurance company via phone 1828.

Apply for insurance now

Useful links

Documents

Filled insurance application if you apply electronically
Passport or ID card if you book physical meeting with bank specialist
We will inform if additional documents are needed

When offering the Personal Accident Insurance Luminor Bank AS, reg. No 11315936, address: Liivalaia 45, 10145, Tallinn, Republic of Estonia, represented within the Republic of Lithuania by Luminor Bank AS Lithuanian branch (company code 304870069, address: Konstitucijos ave. 21A, 03601 Vilnius, Lithuania) acts as insurance agent, distributing an insurance on behalf of AB Lietuvos draudimas insurance company (reg. No. 110051834, having its registered office at J. Basanavičiaus g. 12, 03224 Vilnius). Luminor Bank AS is registered in the list of intermediaries kept by the Estonian Financial Supervision and Resolution Authority (Finantsinspektsioon) (Estonian Financial Supervisory Authority) and is entitled to provide insurance intermediation services in Lithuania on the basis of the principle of freedom of establishment. Luminor Bank AS shall process your personal data to prepare AB Lietuvos draudimas insurance offer and forward them to insurer.

AB Lietuvos Draudimas as the data controller shall process your personal data (including personal data of special categories and personal identification codes) to secure performance of the insurance agreement and compliance with legitimate interests of the insurer or a third party. More information on personal data processing is available on the website ld.lt under section Privacy Policy, the insurer’s customer service centres or by e mailing your enquiries to the address info@ld.lt.