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.
Income loss insurance
Receive up to 3000 € over 6 months in case of disruption in health or employment
Get startedHere's how it works
- Choose a monthly compensation from 50 € to 500 €
- Sign the contract and your waiting period starts the next day
- In case of employment or health disruption, make a claim
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
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Over 30 years on the Estonian marketUseful information
Frequently Asked Questions
What is the waiting period?
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 the 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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