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Receive a financial payout if work capacity is lost due to injury, harm to health, or disability. This is financial protection for your family against unexpected events related to sudden health damage.

An insurance policy from INTERTEACH will preserve your usual lifestyle in the event of an accident.

Keep everything under control in any situation!

Object of insurance: Property interests related to harm to the life and health of the insured as a result of accidents and other events specified in the insurance contract.



Insurance for persons traveling abroad

Insurance duration:

  • during working hours; while performing labor (official) duties.
  • 24 hours a day; during working hours + non-working hours (in daily life).
  • during competitions and training camps for sports teams and groups.
  • 24 hours a day; including the time of competitions and training camps for sports teams and groups.

The insurance coverage territory is established and may extend to the Republic of Kazakhstan, the CIS, or the entire world.






Accidents:

  • injuries (bodily harm), bruises, sprains, wounds, fractures, dislocations;
  • burns, frostbite, heatstroke, drowning, electric shock or lightning strikes;
  • sudden choking due to the accidental entry of a foreign object into the respiratory tract;
  • acute accidental poisoning from substandard food products, poisonous, toxic, or chemical (industrial or household) substances, or medications;
  • injuries resulting from contact with animals, insects, insect or snake venom due to bites, or poisonous plants.


Insured events: those occurring as a result of an accident:



  • Death of the Insured as a result of an accident.
  • Permanent loss of work capacity, with the assignment of disability group I, II, or III.
  • Persistent loss of work capacity, without the assignment of disability.
  • Temporary loss of work capacity.







Insurance payout is provided in the following amounts, depending on the insured event:


  • Death – 100%.
  • Group I disability – 80%.
  • Group II disability – 60%.
  • Group III disability – 40%.
  • Persistent loss of work capacity, without assignment of disability – 20%.
  • Temporary loss of work capacity – up to 20% of the insured amount, calculated at 0.05% – 0.2% per day of treatment or incapacity.

The insurance tariff is determined based on the degree of risk of the insured’s professional activity, ranging from 0.2% to 1.0%. For particularly hazardous activities and athletes, increasing coefficients are applied.


The insured amount and insurance term are established in the contract by agreement of the parties, depending on the wishes of the policyholder.





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