Medical insurance for drivers

Health is more expensive than cars

All drivers of vehicles, without exception, buy a CPL policy, because it is a mandatory requirement of the state. However, a motor vehicle policy insures civil liability, that is, only a third party will receive payments, and the driver is not protected. CASCO protects the insured's vehicle, but not health.

Unfortunately, most drivers insure their property, not their health. According to statistics, compensation for property was paid in the amount of about 20 million hryvnias, and compensation for treatment was only 250 thousand.

Who can purchase insurance

A medical policy can be purchased by both individuals and legal entities, including private entrepreneurs. The insured can be both residents and non-residents of Ukraine.

As a rule, this insurance is purchased together with the MTPL or CASCO, but the policy can also be purchased separately.

Insurance risks

The policy agreement stipulates that an insured event is a deterioration in health as a result of a road accident. Thus, the insurer pays compensation in the event of:

• Injury, fracture or dislocation;
• Wound;
• Head injury (including concussion);
• Organ damage;
• Burns or suffocation;
• Disability.
• Death.

The amount of the insurance depends on the maximum number of seats. In addition, for the payment of compensation, it is important that during an accident the number of passengers does not exceed the maximum number of seats.

Who is covered by the insurance

The medical policy insures not only the driver who was driving the vehicle legally. If there were passengers in the car during the accident, the insurance also covers them. Thus, the insurer covers the costs of treatment not only for the driver, but also for the passengers.

Where to buy

Today, you can even order driver's medical insurance online without leaving your home. All you need is a computer or tablet with Internet access, as well as some free time. Even an elderly person can take out insurance.

The price of a driver's medical policy depends on several factors. The type of vehicle, the term of the policy, the amount of the insurance and the purpose of using the car have the greatest impact on the cost. The driver's medical insurance calculator will help you calculate the cost of the policy.