This type of insurance policy is designated to legal constituted entities which want to insure their employees against the risk of accident and / or decease. Usually it is an collective insurance policy which could be completed also for each employee in part, for all employees in one profession, for all employees regardless the profession or for a limited number of employees. Delimitation by profession in this case is made due to the different risk grades each profession have.
The employee accident insurance policy covers the decease following an accident, permanent invalidity following an accident and is some cases the expenditures for medical treatments, surgeries and medicines.
The professional disease risk could also be included in the employee accident insurance policy. The professional diseases are diseases produced by performing the specific profession activities in an environment containing harmful chemical, biological, physical or psychosocial factors, or the over usage of some body systems or organs during the working process.