Death – the basic component of the insurance

• Benefit paid to the heirs of the insured's beneficiary – Covers death resulting from an accident occurring during the policy period, within a maximum of 1 year from the date of the accident or illness. Beneficiaries will receive the chosen insured sum.

Disability – the basic component of the insurance

• Benefit paid to the insured – Covers permanent partial or total disability occurring within a maximum of 1 year from the accident or from diagnosis made during the covered period. • Partial disability – the benefit is calculated by applying the percentage corresponding to the assessed disability, based on medical documents, to the insured sum, cumulatively up to the contracted insured sum limit. • Total disability – the benefit is paid based on a decision assigning disability group I or II, matching the situation described and agreed in the contract, or by adding up to a maximum of 100% the percentages obtained for an insured event, corresponding to the chosen insured sum.

• Benefit paid to the insured – Coverage from the first day of hospitalisation due to an accident or illness, provided there were at least 3 consecutive days of hospitalisation, up to a maximum of 180 days within one year from the date of the accident.

• Benefits are paid for expenses caused by the accident, incurred within 2 years from the date of the accident, up to the limit set in the insurance policy. Expenses in case of an accident are:(1) Treatment expenses – expenses incurred to remedy the consequences of the accident, on the doctor's recommendation and under their supervision. These also include the Insured's transport costs resulting from an insured event, as well as the cost of a plastic limb prosthesis and a dental prosthesis. Expenses related to rehabilitation and physiotherapy, organ transplants, and psychotherapy treatment are not reimbursed. (2) Rescue expenses – expenses incurred if the Insured:(2.1) has suffered an accident or become lost in the mountains or in water and needs shelter;(2.2) has died as a result of an accident or of becoming lost in the mountains or in water and needs to be recovered. Rescue expenses are proven costs related to transport carried out by specialised emergency services to the nearest hospital, the nearest doctor, or the first passable road.(3) Recovery transport expenses – transport costs caused by the accident and recommended by a doctor for the injured Insured, outside their area of residence, from the accident site to the hospital where the Insured was taken after the accident, or to the hospital closest to their home. In case of a fatal accident, the costs of transporting the deceased to their last place of residence in the Republic of Moldova are also covered.

• In case of fractures resulting from an accident, the Insurer will pay a one-time benefit set out in the insurance policy, regardless of the number of bones fractured in the accident.

Accident insurance for company employees

(079) 93 01 91

Service available

Monday to Friday, between 08:00 - 10:00, Saturday, between 09:00 - 17:00 and Sunday, between 10:00 - 14:00

Moldcell: +373 79 93 01 91 Landline: +373 22 93 01 91

at the addresses listed in Contacts

Contacts

Group accident insurance provides financial protection to a company's employees in the event of unforeseen accidents that may occur both at the workplace and outside it.

It is an essential solution for employers who want to provide their team with extra safety and reduce the financial impact of unfortunate events.

What it covers:

Death or permanent disability resulting from an accident
Benefits for temporary incapacity to work
Emergency medical expenses caused by the accident
Optional: emergency transport, rehabilitation treatment, other specific services

Employee accident insurance covers unforeseen events that may occur while performing work duties, including commuting to and from work, resulting in injury, disability, or death caused by:

blows, falls, slips, punctures, accidental cuts
sudden asphyxiation caused by gas/vapor emissions
road traffic accidents
accidents caused by the operation of machines, devices, equipment, or tools
the effects of sunstroke and prolonged exposure to heat or cold

Coverage details

- Benefit paid to the heirs of the insured's beneficiary – Covers death resulting from an accident occurring during the policy period, within a maximum of 1 year from the date of the accident or illness. Beneficiaries will receive the chosen insured sum.
- Benefit paid to the insured – Covers permanent partial or total disability occurring within a maximum of 1 year from the accident or from diagnosis made during the covered period.
- Partial disability – the benefit is calculated by applying the percentage corresponding to the assessed disability, based on medical documents, to the insured sum, cumulatively up to the contracted insured sum limit.
- Total disability – the benefit is paid based on a decision assigning disability group I or II, matching the situation described and agreed in the contract, or by adding up to a maximum of 100% the percentages obtained for an insured event, corresponding to the chosen insured sum.
- Benefit paid to the insured – Coverage from the first day of hospitalisation due to an accident or illness, provided there were at least 3 consecutive days of hospitalisation, up to a maximum of 180 days within one year from the date of the accident.
- Benefits are paid for expenses caused by the accident, incurred within 2 years from the date of the accident, up to the limit set in the insurance policy. Expenses in case of an accident are:
  (1) Treatment expenses – expenses incurred to remedy the consequences of the accident, on the doctor's recommendation and under their supervision. These also include the Insured's transport costs resulting from an insured event, as well as the cost of a plastic limb prosthesis and a dental prosthesis. Expenses related to rehabilitation and physiotherapy, organ transplants, and psychotherapy treatment are not reimbursed. (2) Rescue expenses – expenses incurred if the Insured:
  (2.1) has suffered an accident or become lost in the mountains or in water and needs shelter;
  (2.2) has died as a result of an accident or of becoming lost in the mountains or in water and needs to be recovered. Rescue expenses are proven costs related to transport carried out by specialised emergency services to the nearest hospital, the nearest doctor, or the first passable road.
  (3) Recovery transport expenses – transport costs caused by the accident and recommended by a doctor for the injured Insured, outside their area of residence, from the accident site to the hospital where the Insured was taken after the accident, or to the hospital closest to their home. In case of a fatal accident, the costs of transporting the deceased to their last place of residence in the Republic of Moldova are also covered.
- In case of fractures resulting from an accident, the Insurer will pay a one-time benefit set out in the insurance policy, regardless of the number of bones fractured in the accident.

Features

Who can be insured

Small and large groups, of children and adults

Level of protection

24/24 hours
8/24 hours
during training sessions and competitions

Insurance territory

Republic of Moldova
European countries
All countries worldwide

Insurance duration

From 15 to 365 days

Insured sums

From 10,000 MDL to 1,000,000 MDL

Categories of persons

(Office workers, Manual workers, Amateur athletes, Professional athletes, Students)

Insurance rates, expressed as a percentage of the insured sum, are set depending on age, occupation, and the sport practiced. They range from 0.45% to 6%.

Risks we have placed

See all

Construction and assembly · 2026 4,216,936 EUR Works, equipment and liability in one programme Maintenance after start-up Fleet CASCO · 2026 738,584 EUR 55 vehicles under a single contract, private use included Private use by the employee General liability · 2025 1,000,000 EUR Renewable energy, with product liability included Product liability CARGO · 2023 1,618,000 EUR Cargo from Moldova to the USA, with two transshipments Multimodal transport Accidents · 2025 148 pupils Cover valid anywhere in the world for the school year Worldwide cover Voluntary health insurance · 2026 63 employees Two levels of cover in the same contract Dental care on the upper level Voluntary health insurance · 2026 3,325 EUR Annual limit per employee, family members included Employee's family Machinery and stock · 2026 275,045 EUR Ten risk clauses on top of the basic cover Stock covered Buildings and assets · 2026 2,160,984 EUR A six-building property complex under a single policy Water damage included Agriculture · 2024 79,514 EUR Breeding pig herd, with emergency slaughter included Emergency slaughter General liability · 2026 5,000,000 GBP An exhibition stand in London, a 2-day policy Participation requirement Agriculture · 2024 90 bee colonies Loss of bees through pesticide poisoning Rarely quoted locally Hazardous industrial facilities · 2019 992,497 EUR A 1992 tower crane, with accidental pollution covered Compulsory insurance Directors and officers liability (D&O) · 2026 1,000,000 EUR A local policy within an international programme International programme Customs guarantee · 2025 30,023 EUR Guarantee to the Customs Service, temporary admission No bank deposit CMR — carrier's liability · 2026 200,000 EUR Territory extended to Asia, errors and omissions included Errors and omissions Medical malpractice · 2026 24,812 EUR Professional liability for a team of dentists Legal costs

Have a risk others won't quote? Request a quote

Personalised offer

We tailor our offer to your needs, so we need a few details from you about the insurance you are interested in.

What you get from Rapidasig:

Professional consultation
The most advantageous conditions
Negotiation of insurance contracts
Comparison of policies across 9 companies
Assistance when an insured event occurs
See all Rapidasig benefits

Number of people to be insured
Sum insured requested per person
Company name / First name, last name
- E-mail

By submitting a request, you agree to the privacy policy

This site is protected by reCAPTCHA

Partner insurance companies

Essential — Always active

Signing in, the premium calculator, payment processing, security. Without them the website does not work.

Analytics

They show us which pages help you and which get in the way. We use this to fix what is broken and to avoid paying for ads on channels that bring nothing useful.

Functional

They remember your language and the data entered in the calculator, keep the chat conversation, and work out the right moment to offer you a phone call.

Advertising

They help us show you relevant offers on other websites and avoid repeating the same ad. If you turn them off, ads do not disappear — they just become less relevant.

Group accident insurance for employees