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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
1. Who can take out an insurance policy for accidents at work?
It is the employer who can take out insurance for accidents at work. This can be chosen either as a legal obligation, for a fixed period, or voluntarily, as a fringe benefit for employees.
2. What is covered by insurance against accidents at work?
An accident insurance for employees can cover any medical expenses that involve a return to the initial state of health. At Leader Team, you can also opt for 24-hour accident insurance, which also covers accidents that occur outside working hours.
3. What are the conditions for reimbursement of medical expenses in case of accident insurance for employees?
First of all, all medical services must take place in an authorised clinic. Next, a claim file is drawn up, which must contain a medical letter certifying the injury and the services received. The Claims Department – Leader Team offers support in this respect to each insured person.
4. What are the advantages for an employer when deciding to offer accident insurance at work to employees?
The well-being of employees and an optimal physical and mental condition means a desirable continuity of the employee’s activity.
