What is the insurance of hotel guests?
Legal entities and private individuals involved in tourism services can arrange insurance for their guests.
Under this type of insurance, guests of hotels, motels, marinas, bungalows, camps, private accommodation, spas, public baths and similar facilities that are actually beneficiaries of the insurance (the insured).
The beginning of insurance for each insured person shall be from the moment when as a guest it is duly registered with the insurance contractor and it lasts until the moment when it has lost the guest’s capacity according to hotel or other regulations.
The insurer is obliged to pay the insurance compensation if the accident occurs during the life of the insurance, both during the stay of the guest at the hotel of the insurance contractor and outside the hotel.
What are the rights of the beneficiary (the insured) when an accident occurs?
When the accident occurs, the beneficiary of the insurance or the insured person is entitled to:
- Sum insured in case of death, if the accident resulted in the death of the insured.
- Percentage of the sum insured corresponding to the percentage of disability, if the accident caused the insured person to have a disability.
- Reimbursement of medical costs paid by the insured person, which are not covered by the health insurance, and are incurred as a result of the accident.
- The agreed amount of daily compensation if the accident results in the insured person’s temporary inability to work.