Accident Insurance for Individuals and Employees

• Voluntary accident insurance from General Asigurări protects life and working capacity: benefits are paid for injuries and bodily harm from an accident — including workplace accidents —, for disability resulting from an accident, and for death.

• The sum insured is chosen at inception — from MDL 10,000 to MDL 200,000; higher sums are accepted with underwriter approval. Coverage can apply 24/7 or only during working hours (8/24), within the Republic of Moldova or worldwide — according to the option stated in the policy. The contract can be individual, family or collective.

No benefits are paid for intentional acts, driving without a valid licence or committing an offence. Sports and higher-risk activities are covered only if declared and accepted in the contract. The full list is in the insurance terms.

• No benefits are paid for war, terrorism, riots, chemical/biological contamination, epidemics/pandemics or force majeure.
• Intentional acts, gross negligence and criminal offences are excluded.
• The full list of exclusions is in the policy terms (PDF) or available from the insurer.
• Driving without an appropriate licence or using a technically unfit vehicle may exclude payment.
• High-risk sports/activities, official competitions and training sessions are covered only if they have been declared and accepted in the contract.

In the Republic of Moldova or anywhere in the world, according to the territory stated in the policy, except for areas excluded by the terms: war, terrorism, riots, movement restrictions, epidemics/pandemics, radiation or force majeure.

• When taking out the policy: complete the application correctly (occupation, hobbies, risk group, other insurance) and pay the premium.
• During the contract: inform the Insurer of any changes that increase the risk and pay the instalments when due.
• In the event of an accident: notify the insurer as soon as possible and limit the consequences of the event.
• Notify the Insurer immediately, but no later than within 30 days; for claims: med@general.md, tel. 022 783 800.
• Submit the claim with the policy/contract and your identity document. The full list of documents is available from the insurer at (022) 78 38 00.

The premium depends on the risks included, the sum insured, the occupation's risk group, the territory, the period and applicable discounts. For an exact calculation, request a quote online — General Asigurări specialists will follow up with a proposal for your situation.

For death, protection starts at 00:00 on the day immediately following payment of the premium; for injury and disability, at 00:00 on the 3rd day after payment, but not before payment in full. If the new contract is paid before the previous one expires, protection is uninterrupted. The period may be 1-12 months. Coverage ends at 24:00 on the last day of the period, upon full payment of the insured amount, upon termination or in other cases provided for by the contract/law.

The contract may be terminated by a written declaration sent to the other party, subject to a notice period of 30 days. On termination by mutual agreement, the part of the premium corresponding to the unexpired period may be refunded. On termination at the Insurer’s initiative due to the Insured’s failure to fulfil the conditions, the refund is made with the administration expenses withheld; on termination at the Insured’s initiative due to the Insurer’s failure to fulfil the conditions, without this deduction. The premium is not refunded if the policy has been in force for more than 10 months or benefits have been paid.