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SiperInsurance

Accident insurance

Pays a fixed sum for a fracture, an injury, disability or death, wherever and whenever it happens, 24 hours a day, worldwide. ₼10,000 of cover for an office worker costs ₼60 a year.

A woman cycling across a city street

Main terms

Sum
₼5,000, ₼10,000, ₼20,000 or ₼50,000
Price
Office work 0.6%, manual work 1.2%, sport 2% a year
Area
Worldwide, 24 hours
Payout
Within 10 working days of the documents

Who it is for

Any age: schoolchildren, amateur athletes, people in manual work, cyclists and motorcyclists.

What is paid

  • Death: 100% of the sum
  • Disability: up to 100% by the table
  • Fractures and burns: by the table
  • Temporary inability to work: 0.2% a day, up to 90 days
  • A hospital stay: ₼20 a day

What is not paid

  • Injuries while drunk
  • Self-harm
  • Professional competitions (active leisure is an option)

Tariffs

Yearly price examples

SumOffice workManual workSport, active leisure
₼5,000₼30₼60₼100
₼10,000₼60₼120₼200
₼20,000₼120₼240₼400
₼50,000₼300₼600₼1,000

The company’s own tariff, October 2026.

When it happens

  1. See a doctor and get a medical note.
  2. Report online within 30 days.
  3. We work out the sum by the table and pay it.
Report a claim

Documents you need

  • Policy and ID card
  • The doctor’s note, X-rays
  • A bank account (IBAN)

Questions

How is this different from health insurance?

Health insurance pays for treatment. This one puts money in your hand for the injury, even when treatment was free.

Can I insure my child?

Yes, from age 3. Parents often ask for it for school and sports clubs.

Request an offer

Fill in the form: an underwriter calls you within an hour during working hours.

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