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An accident at work is an unforeseen and totally undesirable event for both the employee and the employer. However, the unpredictable cannot always be prevented, so accident insurance for employees is a safety net for unpleasant situations.
Every company has different needs when it comes to employee accident insurance. The right decision when it comes to business insurance has to be made based on several factors, which is why our consultants are trained to correctly assess the particularities of a business and offer the most suitable options.
Together with the company representatives, we analyse the real needs of the company and define the profile of the employees. Based on a benefits audit, we select the best workplace accident insurance solution – for both employees and employers.
With Leader Team’s employee accident insurance packages, you can enjoy:
Business continuity assured
Optimal costs and flexible packages
Prompt and efficient customer support
| Body Vatamation |
| Expenses with medicines |
| Occupational diseases |
| Temporary incapacity for work |
| Surgical interventions |
| Fractures |
| Burns |
| Aesthetic and functional consequences of trauma, burns or frostbite |
The employer, together with the Leader Team consultant, sets up an injury and treatment benefits program – outlining the amounts paid for various necessary costs such as x-rays, visits for further treatment or even hospitalization.
Whether it’s a legally mandated policy or an employee fringe benefit, such as employee health insurance, employee accident insurance is a fixed compensation plan.
It provides payment directly to the insured – based on proof of accidental injury in or outside the workplace. Depending on the policy chosen, the employer can decide from which moment of employment the employee’s accident insurance is active.
In order for the employee to be entitled to compensation, proof of access to medical services, such as medical documents, invoices or receipts, is required. In most cases, reimbursement is made within 30 days of the end of treatment.
Show you care! The Leader Team guarantees you access to the most suitable options for your employees. Workplace accident insurance can be an attractive benefit for employees, even in areas where such a policy is not required by law.
Whichever option you choose, make sure your employees enjoy safety both on and off the job.
Show you care! The Leader Team guarantees you access to the most suitable options for your employees. Workplace accident insurance can be an attractive benefit for employees, even in areas where such a policy is not required by law.
Whichever option you choose, make sure your employees enjoy safety both on and off the job.
Occupational disease is that medical condition that results from the exposure of people to various risks related to the job they practice (for example, to dangerous substances). The harmful factors in the professional environment are the ones that lead to the installation of these diseases. In this sense, it is important that employees are offered compensation for occupational diseases, an essential role having, of course, insurance for work accidents and occupational diseases. Companies interested in concluding policies of this kind can consult the leaderteam.ro offer, here they can easily discover complete packages according to their needs and can select the optimal solution for their employees.
Leaderteam.ro offers all companies useful services and different types of policies, such as life insurance for employees, health insurance for employees, professional liability insurance, work accident and occupational disease insurance, risk consultancy etc. Among these, work accident insurance is extremely useful, as it can cover any expense related to employee injury. Thus, bodily injury, medication expenses, occupational diseases, temporary incapacity for work, fractures, burns, surgical interventions, aesthetic and functional consequences of trauma, burns and frostbite will be considered.
Accident insurance for employees offers a fixed compensation plan, the payment being made directly to the insured, being a benefit that will always attract quality workers, eager to enjoy protection against the place of work or outside it. With the help of this insurance policy for work accidents and occupational diseases, the employee will receive the payment of the medical expenses necessary to return to the initial state of health.
Frequently asked questions about life insurance for employees
What is insurance for work accidents and occupational diseases?
An insurance for work accidents and occupational diseases is a mandatory policy that employers must purchase to cover the risks related to accidents and diseases that may occur at work.
What does insurance cover for work accidents and occupational diseases?
An insurance for work accidents and occupational diseases offers financial compensation for medical expenses, temporary or permanent disability allowances and even compensation in case of death caused by a work accident or an occupational disease.
Who should have insurance for work accidents and occupational diseases?
All employers in fields regulated by labor legislation are obliged to purchase insurance for work accidents and occupational diseases to protect the health and safety of their employees.
How can insurance for work accidents and occupational diseases help you?
An insurance for work accidents and occupational diseases protects you as an employer from high financial risks, ensuring that your employees receive the necessary support in case of an accident or occupational disease, which maintains the morale and motivation of your team.
