Required Documents

For all types of events:

• Insurance policy (contract);
• Document confirming payment of the insurance premium;
• Identity document;
• Bank statement with full account details.

Injury resulting from an accident causing temporary incapacity for work or requiring outpatient or hospital treatment (for retirees, children):

• Certificate of temporary incapacity for work for the insured employed person (original or copy certified by the HR department);
• Medical certificate with diagnosis, treatment period, and examination results;
• Detailed extract from the outpatient medical record or a certified copy;
• Discharge summaries in case of hospitalization.

Disability due to an accident:

• Disability certificate (original or notarized copy);
• Referral to the medical-social expertise commission (copy certified by the commission);
• Detailed extract from the outpatient medical record or a certified copy;
• Discharge summaries in case of hospitalization;
• Decision to initiate (or refuse to initiate) a criminal or administrative case.

Disability due to illness:

• Disability certificate (original or notarized copy);
• Referral to the medical-social expertise commission (copy certified by the commission);
• Discharge summaries (in case of hospitalization);
• Detailed extract from the outpatient medical record or a certified copy.

Death resulting from an accident:

• Death certificate (original or notarized copy);
• Medical death certificate or certificate stating the cause of death (copy certified by the relevant authority);
• Decision to initiate or refuse to initiate a criminal case;
• Forensic report with blood alcohol test results (original or certified copy).

Death due to illness:

• Death certificate (original or notarized copy);
• Medical death certificate or certificate stating the cause of death (copy certified by the relevant authority);
• Extract from the outpatient medical record from the home clinic.

Important Information

Insurance compensation is paid to the heirs of the insured person in the following cases:

• The insured did not designate a beneficiary;
• The death of the insured and the beneficiary occurred simultaneously;
• The beneficiary died before the insured;
• The insured died without receiving the due compensation for damages to their health.

If the beneficiary dies before receiving the compensation, it is paid to their heirs. If multiple beneficiaries were designated, the amount is distributed among the remaining beneficiaries proportionally.

If the insured event occurred before the next premium payment, the insurance company may deduct the unpaid premium from the compensation amount.