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Group life and accidental insurance as a benefit for AT&T employees

Group risk insurance for AT&T employees
  • Premium is fully sponsored by employer
  • Employer as a policyholder makes a group contract, employees do not have to sign or fill in any documents/policies, without medical undewriting up to free cover limit (11,985mil.CZK)
  • Above standard cover compared with market
  • The insurance is valid worldwide, 24 hours a day, 7 days a week
  • Pure risk insurance without any savings
  • Effective during validity of job contract

What riders does the insurance include?

  • Death due to any causes with the sum insured 2x gross yearly salary
  • Accidental death with the sum insured 1x gross yearly salary
  • Total permanent disability with the sum insured 2x gross yearly salary
  • Permament consequences of accident with progression 500% with the sum insured 2x gross yearly salary
  • NEW Critical Illness with the sum insured 250 000 CZK

The minimum sum insured for Accidental Death is 625 000 CZK and 1 250 000 CZK for Death due to any causes, Total permament disability, Permanent consequences of accident 500%.

Insurance of death due to any causes Collapsed Expanded

What is covered?

  • death due to any illness
  •  death due to accident
Accidental death Collapsed Expanded

The insured event is the death of the insured due to an accident

  • Sudden impact of an external force or the insured’s own body force independently of the insured’s will
  • The insurance benefit is paid to the beneficiary
  • In case of death due to accident is the insurance benefit paid from rider death due to any causes and from rider accidental death = 3x gross yearly salary
Total permament disability Collapsed Expanded

An insured event is total and permanent disability which occurred no earlier than after the date of the joining the insurance of the given insured person, is confirmed by a disability assessment and other documents proving the state of health of the insured person and is confirmed by the insurance company’s physician.

Insurance benefits will be paid in 3 instalments:

  • 1. instalment 25% of the sum insured after one month of delivery of the disability assessment to the insurance company        
  • 2. instalment 25% of the sum insured after 12 months of delivery of the disabulity assessment to the insurance company
  • 3. instalment 50% of the sum insured after 24 months of delivery of the disabulity assessment to the insurance company
Permanent consequences of accident with progression 500% Collapsed Expanded

The insured event is a permanent bodily injury.

  • In the event of a claim the insurance company will pay a single benefit in the amount of the relevant percentage  ( 0,5% - 500% sum inusred)
  • The insurance benefit is paid to the insured
  • Insurance company will pay a benefit in the amount of the relevant percentage, which correspond to the extent of the bodily injury 
    as set out in the valuation table

Example:

Loss of one tooth 0,5% sum insured
Total loss of vision in one eye 40% sum insured ( with progression 80%)
Critical Illness Collapsed Expanded

The insured event occurs if the insured is diagnosed with any of the critical illnesses or termination any of the medical treatment listed in the relevant Schedule of Critical Illnesses, Diagnoses and Medical Procedures.

In case of critical illness the insurance company will pay a single benefit in the amount 250 000 CZK.

Critical illness listed in the Terms and Conditions schedule are for example: Acute myocardial infarction, Cerebrovascular accident (stroke), Malignant neoplasms (tumors), Bypass of coronary arteries, Vital organ transplantation, Blindness, Heart valve surgery

Documents to download