Fast coverage
Get your income protected in less than a minute
Trusted partner
Partnering with Seesam, trusted in Estonia for over 30 years
Monthly compensation
In case of unexpected job loss or temporary inability to work
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Your coverage stays valid until current billing period
Your trusted insurance partner
Over 30 years on the Estonian market
What's covered?
Unexpected job loss
Redundancy, employer bankruptcy, cessation of employer's activities, collective termination of employment contracts, or termination of employment by the insured due to the employer's significant breach of contract obligations.
60-day waiting period
Temporary loss of work ability
Temporary incapacity for work caused by illness or accident, confirmed by a medical certificate issued and submitted to the Health Insurance Fund, except for exclusions stated in the terms.
30-day waiting period
About income insurance
Frequent questions
What is the waiting period?
When the contract is initially signed, a waiting period applies. This is a continuous period starting from the day after the insurance contract is signed, during which incidents are not eligible for compensation. The waiting period is 60 calendar days for job loss and 30 calendar days for temporary work ability loss. The date when the insurance contract takes effect is specified in the policy.
What is the deductible period?
The deductible is a continuous 30-calendar-day period starting from the day after the insured event occurs, during which no compensation is paid.
When is compensation paid?
Compensation is paid monthly.
How to make a claim?
Making a claim is easy. Do so by logging into your ESTO account or via the Seesam website.
How to terminate the insurance contract?
The insurance contract can be terminated prematurely via your ESTO account. The insurance will remain valid until the end date of the last installment paid by the insured.
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