According to Ranking.kz, treating injuries in Kazakhstan is not cheap. The average cost is around 500 thousand tenge, and in complex cases, it can exceed 1 million tenge. Mandatory Social Health Insurance covers basic medical care, but it does not compensate for lost income or additional expenses for medication and recovery.
Accident Insurance from Halyk Insurance allows you to protect up to four family members for 15 thousand tenge per year and receive a payout of up to 2.5 million tenge.
Why this is relevant in 2025 and how accident insurance works
In the first half of 2025, the voluntary personal insurance market grew by 21.6%, adding 13.3 billion tenge. Of this, 77% of policies were purchased by individuals. This shows that people are beginning to understand that injuries, burns, or other emergencies can seriously impact a family's budget.
For example, if your child gets a burn from a faulty kettle, the insurance will cover the costs of treatment and medication so you can focus on their recovery. Or, if an adult family member breaks a leg falling on an icy street, the policy will help pay for surgery and rehabilitation. In the event of a tragedy, such as the loss of a breadwinner in an accident, the insurance will provide financial support to the family.
The payout amount depends on the severity of the injury and is calculated as a proportion of the insured sum. These funds can be used at your discretion: for treatment, medications, recovery, or even household needs.
Who needs this
Accident insurance is suitable for anyone who wants to protect themselves and their loved ones. It is especially useful for:
- Families with children. Children run, play, and ride bikes, so the risk of injury is high.
- Working adults. Injuries in the workplace or on the road are not uncommon.
- Older people. Falls and fractures become more frequent with age.
- Travelers. Hiking, sports, or water activities involve additional risks
How to choose insurance
When selecting a policy, pay attention to:
- The coverage amount. The "Halyk Zabota Online" program offers up to 2.5 million tenge for a family of four for 15 thousand tenge per year.
- Payout conditions. Examine which cases the policy covers and how the amount is calculated.
- Flexibility. You can include children, a spouse, or parents in the policy.
Why this is important
Accident insurance provides confidence that you won't be left alone with problems in a difficult situation. For example, if an adult family member breaks a leg on a slippery road, the payout will help pay for medication or cover bills while they recover. In extreme cases, the insurance will become a vital financial lifeline for the family.