{"id":20027,"date":"2017-10-18T13:42:45","date_gmt":"2017-10-18T13:42:45","guid":{"rendered":"https:\/\/www.insumak.mk\/?page_id=20027"},"modified":"2026-02-12T11:40:37","modified_gmt":"2026-02-12T11:40:37","slug":"personal-accident","status":"publish","type":"page","link":"https:\/\/www.insumak.mk\/en\/individuals\/personal-accident\/","title":{"rendered":"Personal Accident"},"content":{"rendered":"<p>Every day, we encounter people seeking financial assistance or support after a sudden injury, who remind us that it can happen to anyone.<\/p>\n<p>We know we can&#8217;t predict or avoid anything like this, but we can protect ourselves with insurance that provides<strong> financial<\/strong> <strong>compensation<\/strong>\u00a0to mitigate the consequences.<\/p>\n<p><strong>What is Accident Insurance?<\/strong><\/p>\n<p>Accident insurance is voluntary insurance for persons that covers risks to human health and life.<\/p>\n<p><strong>It is an indication of concern for one&#8217;s health<\/strong>.<\/p>\n<p>An accident also brings with it reduced contributions, additional costs, and material problems, so accident insurance provides financial compensation to help you recover.<\/p>\n<p>We offer you a way to avoid the accident that follows.<\/p>\n<h2><strong>Insurance Premium Discounts<\/strong><\/h2>\n<p>When insured with a policy on an individual basis, and if insured loss events do not occur, the insured will receive discounts:<\/p>\n<ul>\n<li>5% for one past year<\/li>\n<li>10% for two consecutive years<\/li>\n<li>15% for 3 straight years<\/li>\n<\/ul>\n<p><strong>ACCIDENTS<\/strong><\/p>\n<p>(Below are some of the risks insured against with our policies):<\/p>\n<ul>\n<li>Run over<\/li>\n<li>Collision<\/li>\n<li>Impact of object or with an object<\/li>\n<li>Electric shock or lightning strike<\/li>\n<li>Fall<\/li>\n<li>Slide<\/li>\n<li>Demolition<\/li>\n<li>A stab with an object<\/li>\n<li>Insect sting<\/li>\n<li>Blow or bite by an animal<\/li>\n<li>Poisoning<\/li>\n<li>Burns<\/li>\n<li>Suffocation<\/li>\n<li>Other risks<\/li>\n<\/ul>\n<p><strong>Ask for a quote<\/strong><\/p>\n<p>Our agents will make you an optimal offer according to your needs and capabilities.<\/p>\n<p><strong>What does an accident insurance policy cover?<\/strong><\/p>\n<p>An insurance policy insures risks against loss or damage as a consequence of:<\/p>\n<p><strong>Basic risks<\/strong><\/p>\n<ul>\n<li>permanent disability and reduced working capacity<\/li>\n<li>Death due to an accident<\/li>\n<li>Daily allowance costs<\/li>\n<li>Cost of treatment<\/li>\n<\/ul>\n<p><strong>Additional risks<\/strong><\/p>\n<ul>\n<li>Daily allowance costs<\/li>\n<\/ul>\n<p><strong>Which accident policy is best for you?<\/strong><\/p>\n<p>We can negotiate the sum insured based on the agreed risks. The amount of indemnity also depends on the sum insured value if the risk occurs.<\/p>\n<p>There is no limit on the number of policies or the territory to which they apply.<\/p>\n<ul>\n<li>The cost of insurance depends on the sum insured.<\/li>\n<li>Insurance risk varies from occupation to occupation<\/li>\n<li>The group accident insurance cost differs from the individual accident insurance.<\/li>\n<\/ul>\n<p><strong>Example: Athletes and students have different accident insurance needs and risk exposures, which lead to policies tailored to them.<\/strong><\/p>\n<p>If you already know what you need, you&#8217;ll receive an offer with several options so you can choose the policy you want.<\/p>\n<p>Call or Request a Call<\/p>\n<p><strong>Duration of insurance<\/strong><\/p>\n<p>Policies may be limited to working hours, so workers are only insured for that period. We also offer 24-hour bodily injury insurance, which protects you after work.<\/p>\n<p>With such insurance, if the injury occurs outside work hours, the worker is fully covered, which is our recommendation.<\/p>\n<p>Insurance is renewed\u00a0annually and runs from the date the policy is signed.<\/p>\n<p><strong>Insurance is concluded<\/strong>\u00a0<strong>in accordance with the Accident Insurance Terms and Conditions. They detail the risks covered and the<\/strong><strong> risks excluded from the insurance coverage<\/strong><strong>.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Every day, we encounter people seeking financial assistance or support after a sudden injury, who remind us that it can happen to anyone. We know<\/p>\n","protected":false},"author":1,"featured_media":20026,"parent":19989,"menu_order":22,"comment_status":"closed","ping_status":"closed","template":"insurance_template.php","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-20027","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Personal Accident - \u041c\u0410\u041a\u0415\u0414\u041e\u041d\u0418\u0408\u0410 \u043e\u0441\u0438\u0433\u0443\u0440\u0443\u0432\u0430\u045a\u0435 \u0410\u0414 \u0421\u043a\u043e\u043f\u0458\u0435-\u0412\u0438\u0435\u043d\u0430 \u0418\u043d\u0448\u0443\u0440\u0435\u043d\u0441 \u0413\u0440\u0443\u043f \u043e\u0441\u0438\u0433\u0443\u0440\u0443\u0432\u0430\u045a\u0435 \u0421\u0418\u0413\u0423\u0420\u041d\u0418 \u0417\u0410\u0415\u0414\u041d\u041e<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.insumak.mk\/en\/individuals\/personal-accident\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Personal Accident - \u041c\u0410\u041a\u0415\u0414\u041e\u041d\u0418\u0408\u0410 \u043e\u0441\u0438\u0433\u0443\u0440\u0443\u0432\u0430\u045a\u0435 \u0410\u0414 \u0421\u043a\u043e\u043f\u0458\u0435-\u0412\u0438\u0435\u043d\u0430 \u0418\u043d\u0448\u0443\u0440\u0435\u043d\u0441 \u0413\u0440\u0443\u043f \u043e\u0441\u0438\u0433\u0443\u0440\u0443\u0432\u0430\u045a\u0435 \u0421\u0418\u0413\u0423\u0420\u041d\u0418 \u0417\u0410\u0415\u0414\u041d\u041e\" \/>\n<meta property=\"og:description\" content=\"Every day, we encounter people seeking financial assistance or support after a sudden injury, who remind us that it can happen to anyone. We know\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.insumak.mk\/en\/individuals\/personal-accident\/\" \/>\n<meta property=\"og:site_name\" content=\"\u041c\u0410\u041a\u0415\u0414\u041e\u041d\u0418\u0408\u0410 \u043e\u0441\u0438\u0433\u0443\u0440\u0443\u0432\u0430\u045a\u0435 \u0410\u0414 \u0421\u043a\u043e\u043f\u0458\u0435-\u0412\u0438\u0435\u043d\u0430 \u0418\u043d\u0448\u0443\u0440\u0435\u043d\u0441 \u0413\u0440\u0443\u043f \u043e\u0441\u0438\u0433\u0443\u0440\u0443\u0432\u0430\u045a\u0435 \u0421\u0418\u0413\u0423\u0420\u041d\u0418 \u0417\u0410\u0415\u0414\u041d\u041e\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-12T11:40:37+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.insumak.mk\/wp-content\/uploads\/2025\/10\/web_1920x600px-nezgoda.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"600\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.insumak.mk\/en\/individuals\/personal-accident\/\",\"url\":\"https:\/\/www.insumak.mk\/en\/individuals\/personal-accident\/\",\"name\":\"Personal Accident - \u041c\u0410\u041a\u0415\u0414\u041e\u041d\u0418\u0408\u0410 \u043e\u0441\u0438\u0433\u0443\u0440\u0443\u0432\u0430\u045a\u0435 \u0410\u0414 \u0421\u043a\u043e\u043f\u0458\u0435-\u0412\u0438\u0435\u043d\u0430 \u0418\u043d\u0448\u0443\u0440\u0435\u043d\u0441 \u0413\u0440\u0443\u043f \u043e\u0441\u0438\u0433\u0443\u0440\u0443\u0432\u0430\u045a\u0435 \u0421\u0418\u0413\u0423\u0420\u041d\u0418 \u0417\u0410\u0415\u0414\u041d\u041e\",\"isPartOf\":{\"@id\":\"https:\/\/www.insumak.mk\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.insumak.mk\/en\/individuals\/personal-accident\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.insumak.mk\/en\/individuals\/personal-accident\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.insumak.mk\/wp-content\/uploads\/2025\/10\/web_1920x600px-nezgoda.jpg\",\"datePublished\":\"2017-10-18T13:42:45+00:00\",\"dateModified\":\"2026-02-12T11:40:37+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.insumak.mk\/en\/individuals\/personal-accident\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.insumak.mk\/en\/individuals\/personal-accident\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.insumak.mk\/en\/individuals\/personal-accident\/#primaryimage\",\"url\":\"https:\/\/www.insumak.mk\/wp-content\/uploads\/2025\/10\/web_1920x600px-nezgoda.jpg\",\"contentUrl\":\"https:\/\/www.insumak.mk\/wp-content\/uploads\/2025\/10\/web_1920x600px-nezgoda.jpg\",\"width\":1920,\"height\":600},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.insumak.mk\/en\/individuals\/personal-accident\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.insumak.mk\/en\/home\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Individuals\",\"item\":\"https:\/\/www.insumak.mk\/en\/individuals\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Personal Accident\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.insumak.mk\/#website\",\"url\":\"https:\/\/www.insumak.mk\/\",\"name\":\"\u041c\u0410\u041a\u0415\u0414\u041e\u041d\u0418\u0408\u0410 \u043e\u0441\u0438\u0433\u0443\u0440\u0443\u0432\u0430\u045a\u0435 \u0410\u0414 \u0421\u043a\u043e\u043f\u0458\u0435-\u0412\u0438\u0435\u043d\u0430 \u0418\u043d\u0448\u0443\u0440\u0435\u043d\u0441 \u0413\u0440\u0443\u043f \u043e\u0441\u0438\u0433\u0443\u0440\u0443\u0432\u0430\u045a\u0435 \u0421\u0418\u0413\u0423\u0420\u041d\u0418 \u0417\u0410\u0415\u0414\u041d\u041e\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.insumak.mk\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Personal Accident - \u041c\u0410\u041a\u0415\u0414\u041e\u041d\u0418\u0408\u0410 \u043e\u0441\u0438\u0433\u0443\u0440\u0443\u0432\u0430\u045a\u0435 \u0410\u0414 \u0421\u043a\u043e\u043f\u0458\u0435-\u0412\u0438\u0435\u043d\u0430 \u0418\u043d\u0448\u0443\u0440\u0435\u043d\u0441 \u0413\u0440\u0443\u043f \u043e\u0441\u0438\u0433\u0443\u0440\u0443\u0432\u0430\u045a\u0435 \u0421\u0418\u0413\u0423\u0420\u041d\u0418 \u0417\u0410\u0415\u0414\u041d\u041e","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.insumak.mk\/en\/individuals\/personal-accident\/","og_locale":"en_US","og_type":"article","og_title":"Personal Accident - \u041c\u0410\u041a\u0415\u0414\u041e\u041d\u0418\u0408\u0410 \u043e\u0441\u0438\u0433\u0443\u0440\u0443\u0432\u0430\u045a\u0435 \u0410\u0414 \u0421\u043a\u043e\u043f\u0458\u0435-\u0412\u0438\u0435\u043d\u0430 \u0418\u043d\u0448\u0443\u0440\u0435\u043d\u0441 \u0413\u0440\u0443\u043f \u043e\u0441\u0438\u0433\u0443\u0440\u0443\u0432\u0430\u045a\u0435 \u0421\u0418\u0413\u0423\u0420\u041d\u0418 \u0417\u0410\u0415\u0414\u041d\u041e","og_description":"Every day, we encounter people seeking financial assistance or support after a sudden injury, who remind us that it can happen to anyone. We know","og_url":"https:\/\/www.insumak.mk\/en\/individuals\/personal-accident\/","og_site_name":"\u041c\u0410\u041a\u0415\u0414\u041e\u041d\u0418\u0408\u0410 \u043e\u0441\u0438\u0433\u0443\u0440\u0443\u0432\u0430\u045a\u0435 \u0410\u0414 \u0421\u043a\u043e\u043f\u0458\u0435-\u0412\u0438\u0435\u043d\u0430 \u0418\u043d\u0448\u0443\u0440\u0435\u043d\u0441 \u0413\u0440\u0443\u043f \u043e\u0441\u0438\u0433\u0443\u0440\u0443\u0432\u0430\u045a\u0435 \u0421\u0418\u0413\u0423\u0420\u041d\u0418 \u0417\u0410\u0415\u0414\u041d\u041e","article_modified_time":"2026-02-12T11:40:37+00:00","og_image":[{"width":1920,"height":600,"url":"https:\/\/www.insumak.mk\/wp-content\/uploads\/2025\/10\/web_1920x600px-nezgoda.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.insumak.mk\/en\/individuals\/personal-accident\/","url":"https:\/\/www.insumak.mk\/en\/individuals\/personal-accident\/","name":"Personal Accident - \u041c\u0410\u041a\u0415\u0414\u041e\u041d\u0418\u0408\u0410 \u043e\u0441\u0438\u0433\u0443\u0440\u0443\u0432\u0430\u045a\u0435 \u0410\u0414 \u0421\u043a\u043e\u043f\u0458\u0435-\u0412\u0438\u0435\u043d\u0430 \u0418\u043d\u0448\u0443\u0440\u0435\u043d\u0441 \u0413\u0440\u0443\u043f \u043e\u0441\u0438\u0433\u0443\u0440\u0443\u0432\u0430\u045a\u0435 \u0421\u0418\u0413\u0423\u0420\u041d\u0418 \u0417\u0410\u0415\u0414\u041d\u041e","isPartOf":{"@id":"https:\/\/www.insumak.mk\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.insumak.mk\/en\/individuals\/personal-accident\/#primaryimage"},"image":{"@id":"https:\/\/www.insumak.mk\/en\/individuals\/personal-accident\/#primaryimage"},"thumbnailUrl":"https:\/\/www.insumak.mk\/wp-content\/uploads\/2025\/10\/web_1920x600px-nezgoda.jpg","datePublished":"2017-10-18T13:42:45+00:00","dateModified":"2026-02-12T11:40:37+00:00","breadcrumb":{"@id":"https:\/\/www.insumak.mk\/en\/individuals\/personal-accident\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.insumak.mk\/en\/individuals\/personal-accident\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.insumak.mk\/en\/individuals\/personal-accident\/#primaryimage","url":"https:\/\/www.insumak.mk\/wp-content\/uploads\/2025\/10\/web_1920x600px-nezgoda.jpg","contentUrl":"https:\/\/www.insumak.mk\/wp-content\/uploads\/2025\/10\/web_1920x600px-nezgoda.jpg","width":1920,"height":600},{"@type":"BreadcrumbList","@id":"https:\/\/www.insumak.mk\/en\/individuals\/personal-accident\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.insumak.mk\/en\/home\/"},{"@type":"ListItem","position":2,"name":"Individuals","item":"https:\/\/www.insumak.mk\/en\/individuals\/"},{"@type":"ListItem","position":3,"name":"Personal Accident"}]},{"@type":"WebSite","@id":"https:\/\/www.insumak.mk\/#website","url":"https:\/\/www.insumak.mk\/","name":"\u041c\u0410\u041a\u0415\u0414\u041e\u041d\u0418\u0408\u0410 \u043e\u0441\u0438\u0433\u0443\u0440\u0443\u0432\u0430\u045a\u0435 \u0410\u0414 \u0421\u043a\u043e\u043f\u0458\u0435-\u0412\u0438\u0435\u043d\u0430 \u0418\u043d\u0448\u0443\u0440\u0435\u043d\u0441 \u0413\u0440\u0443\u043f \u043e\u0441\u0438\u0433\u0443\u0440\u0443\u0432\u0430\u045a\u0435 \u0421\u0418\u0413\u0423\u0420\u041d\u0418 \u0417\u0410\u0415\u0414\u041d\u041e","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.insumak.mk\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/www.insumak.mk\/en\/wp-json\/wp\/v2\/pages\/20027","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.insumak.mk\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.insumak.mk\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.insumak.mk\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insumak.mk\/en\/wp-json\/wp\/v2\/comments?post=20027"}],"version-history":[{"count":2,"href":"https:\/\/www.insumak.mk\/en\/wp-json\/wp\/v2\/pages\/20027\/revisions"}],"predecessor-version":[{"id":20201,"href":"https:\/\/www.insumak.mk\/en\/wp-json\/wp\/v2\/pages\/20027\/revisions\/20201"}],"up":[{"embeddable":true,"href":"https:\/\/www.insumak.mk\/en\/wp-json\/wp\/v2\/pages\/19989"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.insumak.mk\/en\/wp-json\/wp\/v2\/media\/20026"}],"wp:attachment":[{"href":"https:\/\/www.insumak.mk\/en\/wp-json\/wp\/v2\/media?parent=20027"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}