Accident insurance

Accident insurance will provide financial support in the event of accidents and injuries (dislocations, frostbite, poisoning, bites, etc.).

Extensive basic coverage with no deductible – valid worldwide.
No hidden conditions – more than 50 leisure and sports activities are included in the coverage at no extra cost.
Easy claiming via the mobile app, balta.lv or by calling 67533375 and fast claim payment.

Financial security in the case of injury

Receive indemnity according to the policy cover you choose, the type and severity of the injury.
Medical expenses paid

We will indemnify you for unexpected medical expenses if they are incurred within one year of the accident.
Hospital allowance

We will pay a daily allowance for each day spent in an inpatient overnight hospital for up to 100 days.

Which risks can be included in an accident insurance policy, and what do they cover?

Injuries

In the event of an injury (burns, frostbite, broken bones, bites, poisoning, sprains, abrasions, etc.), we will pay compensation for the injury according to the coverage of the policy you have chosen and the type and severity of the injury. In the case of a compound fracture (open fracture of a bone or damage to surrounding tissue as a result of the fracture), we will increase the indemnity amount by 25%.

Daily allowance in the case of incapacity to work

If the injury results in the loss of ability to work, we will provide financial support for each day of temporary incapacity for work up to 90 working days per event, with no limit on the number of days during the policy period.

If a child under 7 years of age is injured and the parent has an incapacity to work certificate, we will pay for up to 10 days of incapacity to work if BALTA accident insurance has been purchased for the child.

Please keep in mind! We will only pay the indemnity if the income at the time of the accident is earned in paid employment in the Republic of Latvia.

Hospital allowance

If the injury requires inpatient overnight hospital treatment, we will pay a daily allowance for each day spent in hospital up to 100 days per incident, with no limit on the number of days during the policy period.

Critical illnesses

We will pay a one-off indemnity equal to the sum insured for the Critical Illness risk if you are diagnosed with any critical illness during the policy period: malignancy, stroke, myocardial infarction, Alzheimer’s disease, chronic renal failure, multiple sclerosis, type I diabetes, blindness, paralysis or loss of limbs, aplastic anaemia.

Please keep in mind! A waiting period (90 days from the policy start date) and a survival period (first 25 days from the onset of the disease) apply to this risk when the policy is purchased. The waiting period does not apply in situations where an insurance contract which includes the risk Critical Illness is renewed without interruption.

Dangerous diseases

Izmaksāsim vienreizēju kompensāciju riska “Bīstamas slimības” apdrošinājuma summas apmērā, ja apdrošināšanas darbības laikā tiks diagnosticēta kāda bīstamā slimībā: difterija, gāzes gangrēna, holēra, jersinioze, leptospiroze, malārija, meningokoku infekcija, stingumkrampji, trakumsērga, trihineloze.

Ņem vērā! Iegādājoties polisi, šim riskam tiek piemērots nogaidīšanas periods: 20 dienas. Nogaidīšanas periods neattiecas uz situācijām, kad apdrošināšanas līgums, kurā ir bijis iekļauts risks “Bīstamās slimības”, tiek atjaunots bez pārtraukuma.

Tick-borne diseases

We will pay a one-off indemnity equal to the sum insured for the risk Tick-borne Diseases if a tick-borne disease is diagnosed during the insurance period: tick-borne encephalitis, myelitis, encephalomyelitis, Lyme disease.

Please keep in mind! A waiting period applies for this risk when the policy is purchased: 20 days. The waiting period does not apply in situations where an insurance contract which includes the risk Tick-borne Diseases is renewed without interruption.

Medical expenses

We will indemnify unexpected medical expenses related to the injury if they are incurred within one year from the date of the injury.

Insured risk	Which expenses will we indemnify?
Outpatient and inpatient medical care	Patient fees and charges for outpatient services: doctor-specialist consultations, laboratory and diagnostic tests, medical manipulations (bandages, plaster, splints, blocks, etc.) and physical treatments prescribed by a doctor (maximum 10).
Magnetic resonance imaging and computed tomography	Magnetic resonance imaging and computed tomography examinations for a fee, as prescribed by a doctor.
Paid surgeries and prosthetics	Paid services in an inpatient day and overnight inpatient hospital for surgical treatment of the injury.
Dentistry	Dental services for traumatic dental injuries, including dentures. Expenses for dental implants are reimbursed at 50%.
Cosmetic surgeries	Plastic and microsurgical surgeries for the correction and prevention of facial disfigurements resulting from trauma.
Rehabilitation expenses	Outpatient and inpatient rehabilitation services prescribed by the attending physician, received within 60 days after the injury has been treated in an inpatient overnight hospital or in the case of a complex fracture of a bone. Rehabilitation services include therapeutic massage, physical therapy, aquatic treatments, taping, sling therapy, therapeutic gymnastics, inpatient rehabilitation services on a day and overnight basis (including horse-riding therapy and passive movement training).
Medicinal products	Expenses for the purchase of medicines and dressings to treat the effects of an injury.
Purchase or rental of technical aids	The purchase or hire of orthoses, splints, bandages and technical aids (canes, crutches, wheelchairs) prescribed by a doctor, as well as the purchase of 3D immobilisation plaster in the case of a fractured bone.
Transportation costs	Medical transport from the place of the accident to the nearest medical facility and from the hospital to the place of residence if such transport is required on the doctor’s instructions.
Medical expenses abroad	Medical expenses for outpatient and inpatient emergency medical treatment and for the purchase of medicines abroad to treat the acute condition.

Other insured risks

Insured risk	Which expenses will we indemnify?
Death	If the injury results in the death of the insured person, we will pay the full sum insured to the beneficiary named in the policy.
Children’s tuition fees	If the injury results in the death of the insured person, we will indemnify the tuition fees of the client’s dependent children at a higher education institution in accordance with the terms of the insurance contract.
Funeral benefit	If the injury results in the death of the insured person, we will pay the funeral expenses in Latvia.
Disability, disfigurement	One-off compensation if the injury results in disability or disfigurement. The amount of compensation is determined in accordance with the provisions of the insurance contract.
Social care	If the injury results in a disability group I or total loss of a limb, we will pay for social care expenses for the first three months after the accident and for the appropriate adaptation of your permanent residence.
Psychological help	We will cover the cost of psychological assistance (counselling by a psychologist, psychotherapist or psychiatrist) in the event of a situation covered by the insurance conditions.
Professional retraining expenses	We will cover the costs of retraining (courses) necessary to learn a new profession if the injury has caused a disability group I or II and it is not possible to continue to carry out the duties of the trade.
Child’s well-being	When you make an accident insurance claim for a child under 18, we will not only cover the injury but also one or more additional bonuses of your choice according to the policy cover: - child’s welfare: purchase of sweets, snacks or fruit, visit to a water or amusement park, zoo, nature park, swimming pool, cinema or theatre, purchase of a children’s toy; - child’s education: private tuition. We will indemnify you for any loss due to an injury resulting from non-attendance at a sports camp or educational club; - school kit: we will indemnify the loss of a child’s personal belongings damaged as a result of an injury. The amount of compensation is determined according to the terms of the insurance contract.

Choose the right programme and be protected in different life situations!

Choose from 16 different accident insurance programmes.

Comparison of accident insurance programmes available at Balta.lv

Insured risks for each insured person	Bronze	Silver	Gold
Death	5000	15 000	25 000
Disability, disfigurement	5000	15 000	25 000
Injuries III	2000	3000	5000
Child’s well-being*		415	820
* Child’s welfare		15	20
Child’s education		200	400
School kit		200	400
Hospital allowance	4000	7000	10 000
Daily allowance**
Medical expenses (risk group):	1000/300 for one case	2000/750 for one case	4000/1000 for one case
• Outpatient and inpatient medical care	300	750	1000
• Magnetic resonance imaging and computed tomography	100	200	300
• Paid surgeries and prosthetics	300	500	700
• Dentistry	150	375	500
• Cosmetic surgeries	300	750	1000
• Rehabilitation expenses	100	200	300
• Medicinal products	300	750	1000
• Purchase or rental of technical aids	150	375	500
• Transportation costs	300	750	1000
• Medical expenses abroad	150	375	500
Social care	0	3000	1000
Critical illnesses A		700	1000
Tick-borne diseases			500
Dangerous diseases			750
Children’s tuition fees	0	1000	3500
Funeral benefit	0	500	800

Psychological help		500	1000
Professional retraining expenses		5000	5000

Accident insurance programmes for adults

	STANDARD			EXTRA			VIP			VIP LUX
Insured risks	Variant 1	Variant 2*	Variant 3*	Variant 1*	Variant 2*	Variant 3*	Variant 1*	Variant 2*	Variant 3*
Death	4000	7000	9000	10 000	15 000	20 000	30 000	50 000	70 000	100 000
Disability, disfigurement	4000	7000	9000	10 000	15 000	20 000	30 000	50 000	70 000	100 000
Injuries III	1500	2500	3000	3000	3500	4000	5000	6000	10 000	10 000
Child’s well-being*			415	415	415	515	820	920	920	1030
* Child’s welfare			15	15	15	15	20	20	20	30
Child’s education			200	200	200	300	400	400	500	500
School kit			200	200	200	200	400	400	400	500
Hospital allowance	4000	5000	6000	6000	8000	10 000	10 000	12 000	15 000	15 000
Daily allowance**										9000
Medical expenses (risk group):	300	500	700	700	750	800	800	900	1000	1000
• Outpatient and inpatient medical care	300	500	700	700	750	800	800	900	1000	1000
• Magnetic resonance imaging and computed tomography	300	500	700	700	750	800	800	900	1000	1000
• Paid surgeries and prosthetics	300	500	700	700	750	800	800	900	1000	1000
• Dentistry	150	250	350	350	375	400	400	450	500	500
• Cosmetic surgeries	300	500	700	700	750	800	800	900	1000	1000
• Rehabilitation expenses	150	250	350	350	375	400	400	450	500	500
• Medicinal products	300	500	700	700	750	800	800	900	1000	1000
• Purchase or rental of technical aids	150	250	350	350	375	400	400	450	500	500
• Transportation costs	300	500	700	700	750	800	800	900	1000	1000
• Medical expenses abroad	300	500	700	700	750	800	800	900	1000	1000
Social care	-	1000	3000	3000	4000	4000	5000	5000	5000	5000
Critical illnesses A				500	600	700	1000	1300	2000	3000
Tick-borne diseases	-	200	300	-	400	500	500	600	700	700
Dangerous diseases	-	300	400	-	600	700	750	1000	1250	1300
Children’s tuition fees	-	-	1000	1000	2000	2500	3000	3500	3500	5000
Funeral benefit	-	-	500	-	500	700	800	900	1000	1000

Psychological help	-	-	300	400	500	500	700	700	1000	1000
Professional retraining expenses	-	-	500	-	5000	5000	7500	7500	7500	10 000

Accident insurance programmes for children starting from EUR 8 per year

INSURED RISKS	1. variant	2. variant	3. variant
Death	3000	5000	7000
Disability, disfigurement	3000	5000	7000
Social care	-	-	500
Injuries III	1500	2000	3000
Child’s well-being	15	215	415
· Child’s welfare	15	15	15
· Child’s education	-	100	200
· School kit	-	100	200
Hospital allowance	2000 EUR 6 per day	4000 EUR 12 per day	7000 EUR 21 per day
Tick-borne diseases	-	200	400
Dangerous diseases	-	-	300
Psychological help	-	-	300
Medical expenses (risk group):	-	300	500
· Outpatient and inpatient medical care	-	300	500
· Magnetic resonance imaging and computed tomography	-	300	500
· Paid surgeries and prosthetics	-	300	500
· Dentistry	-	150	250
· Cosmetic surgeries	-	300	500
· Rehabilitation expenses	-	150	250
· Medicinal products	-	300	500
· Purchase or rental of technical aids	-	150	250
· Transportation costs	-	300	500
· Medical expenses abroad	-	300	500

Get a consultation, to find out more or to purchase one of these programmes.

Accident insurance claims statistics

While a paid claim cannot undo an accident, it can provide essential financial support at a difficult time. The number of BALTA accident insurance clients increases every year, and the amount of claims paid has increased significantly over the last three years. Over the last three years:

received more than

27 000

claims
indemnity paid out more than

EUR 6 million

What amount of indemnity will I receive if I have an accident?

Here are some examples of indemnities in the event of an injury, but please note that this is influenced by both the insurance coverage you choose and the severity of the injury, so we consider all claims on an individual basis.

Submitting a claim

Submit your claim quickly and easily at any time on website or through our app, as well as by calling 67533375.

Follow the progress of your claim by logging in to balta.lv or checking the My BALTA section of the app.

* Examples of indemnity costs are calculated assuming you have purchased one of the VIP accident insurance programmes.

The experience of BALTA client Ginta

Which documents do I need to apply for an indemnity?

A medical certificate from the attending physician confirming the diagnosis.
For a minor: the child’s birth certificate.
In the case of fractured bones: a statement giving the exact diagnosis, together with examinations (such as X-rays) confirming the diagnosis.
For indemnity for medical expenses: copies of prescriptions and proof of payment (cheques, receipts) containing the recipient’s personal details and a transcript of the service received.
For the indemnity of hospital allowance expenses: inpatient certificate.
For the payment of a daily allowance in the case of incapacity to work: e-incapacity certificate (information from the EDS system) and employer’s confirmation of absence from work. If the temporary incapacity to work is longer than 10 days or the incapacity to work is for childcare, a decision of the State Social Insurance Agency on the granting of sickness benefit must be submitted.
For the payment of an indemnity for invalidism or disfigurement: decision of the State Medical Commission for the Assessment of Health Condition and Working Ability establishing invalidism; for disfigurement, a medical certificate from the attending physician.
For the payment of expenses in the event of social care in the event of adaptation of a residence or car: photographs of the rebuilt premises or adapted vehicle showing the object before and after the reconstruction or adaptation.
In the event of death: death certificate of the insured person, a medical certificate on the cause of death and a document certifying the beneficiary’s right to the insurance indemnity.
For funeral expenses: documents proving the funeral expenses (invoices, receipts, etc.).
Other documents at the request of BALTA.

Frequently asked questions

How to proceed if there is an accident?

In the event of an accident, you should see a doctor immediately but no later than within 24 hours to get the medical attention you need. If the accident is related to a road traffic accident or the unlawful actions of third parties, the police should be informed immediately.

Keep all documents confirming both the accident and the injury, such as medical or police certificates, statements, receipts, invoices, as this information will be needed to claim and receive indemnity.

Please note that you can claim an accident indemnity within 60 days of the accident.

How quickly will I receive my insurance indemnity?

On average, we take a decision on the insurance claim within five working days after receiving all the necessary documents. In particularly complex cases, the decision-making time may be longer, but no longer than 30 days.

Can an accident insurance policy be tailored to the individual’s needs?

We have developed 16 different accident insurance programmes, and everyone can choose the one that suits them best. However, if no programme meets your needs, we will offer you an individual solution.

Will I be indemnified if diagnosed with a tick-borne disease?

If the accident insurance policy includes the risk Tick-borne Diseases and one of the tick-borne diseases (tick-borne encephalitis, myelitis, encephalomyelitis, Lyme disease) is diagnosed during the insurance period, we will pay one-off compensation equal to the sum insured for the risk.

Please keep in mind! A waiting period applies for this risk when the policy is purchased: 20 days. The waiting period does not apply in situations where an insurance contract which includes the risk Tick-borne Diseases is renewed without interruption.

How long after I buy the policy does the accident insurance take effect?

The accident insurance takes effect from the first day stated in the policy. A waiting period applies for certain risks covered by the policy:

tick-borne diseases: waiting period 20 days;
dangerous diseases: waiting period 20 days;
critical illnesses: waiting period 90 days.

The waiting period does not apply in situations where the insurance contract containing the risk in question is renewed without interruption.

What if the accident happened abroad?

If the accident occurs abroad, you must see a doctor immediately but within 24 hours at the latest to get the medical attention you need. If the accident is related to a road traffic accident or the unlawful actions of third parties, the police should be informed immediately.

Keep all documents confirming both the accident and the injury, such as medical or police certificates, statements, receipts, invoices, as this information will be needed to claim and receive the indemnity.

Please note that you can claim an accident indemnity within 60 days of the accident.

Will I receive indemnity for incapacity to work if I work abroad?

No, we will only indemnify the daily subsistence allowance in the event of incapacity to work if incapacity for work was issued in Latvia.

Will I be indemnified for medical expenses if the accident happened abroad?

If the accident insurance policy includes the risk Medical Expenses Abroad, we will indemnify the costs of emergency medical treatment and acute medication received on an outpatient or inpatient basis, depending on the severity of the injury, even if the accident occurred abroad.

What does Child’s well-being risk mean?

When claiming accident insurance for a child under 18 years of age, in addition to the injury indemnity, we will pay for the cost of any of the optional extras: purchase of sweets, snacks or fruit, visits to a water or amusement park, zoo, nature park, swimming pool, cinema or theatre, purchase of a children’s toy.