Individual NNW calculator: how to calculate the premium?

The accident insurance calculator allows you to estimate how much you will pay for individual accident insurance in just a few minutes. It makes it easy to compare options and tailor your coverage to your needs. In this guide, we show you how to calculate your premium, which data is key, and how to choose the right coverage. accident insurance sum, so that the benefits have real value.

You will also find practical examples of calculations and a short list of factors influencing accident insurance premium. If you are just starting out, check out the introduction to NNW in the article. what is NNW.

In most societies accident insurance premium is calculated by multiplying the selected sum insured by the tariff rate and taking into account discounts or surcharges. In some tariffs, the rate is expressed as an amount „per PLN 1,000 of sum insured,” while in others it is expressed as a percentage (e.g., 0.20–0.40% of sum insured per year). Below are the most important steps in the calculation.

The sum insured (SI) is the upper limit of liability. In accident insurance, 1% of the SI is usually paid for each 1% of permanent disability. Example: with an SI of PLN 50,000 and 10% of disability, the benefit will amount to PLN 5,000. In selected variants, progressive benefits are also applied in the case of high damage.

The basic coverage includes permanent disability and death as a result of an accident. The extensions cover the costs of accident insurance treatment (visits, tests, medications, medical transport) and assistance services after an accident. Different variants mean different rates.

If you want to organize concepts and variants, see the guide. how to choose accident insurance.

Age, type of work, sports practiced (recreational or competitive), previous claims, and the period of coverage may increase or decrease the premium. Some professions and sports require surcharges.

Several factors influence the premium amount. The key ones are the sum insured under accident insurance, the type of benefits, the duration of coverage, and tariff factors. Below is a brief list.

Example 1 – percentage rate. You choose SU PLN 50,000, basic option (injury + death). The tariff rate is 0.25% SU per year. Calculation: PLN 50,000 × 0.0025 = PLN 125 annual premium. If you add the costs of accident insurance and assistance, the rate may increase, e.g., to 0.35% – then the premium will be approx. PLN 175.

Example 2 – flat rate for PLN 1,000 SU. Tariff: PLN 0.60 for every PLN 1,000 of insured value in the basic option. For an insured value of PLN 80,000, we calculate: 80 × PLN 0.60 = PLN 48 per year. Extending the coverage to include medical expenses may increase the rate to PLN 1.10/PLN 1,000 of insured value, which amounts to PLN 88 per year.

How does the payment of benefits work? As a standard, 1% of permanent disability is paid out as 1% SU (e.g., with SU of PLN 80,000 and 12% of disability, you will receive PLN 9,600). In some progressive variants, above a certain threshold, the percentage of disability is multiplied by a coefficient (e.g., ×2), which increases the payout for more severe injuries.

Want to compare the detailed differences between offers? Check out the comparisons: Warta vs Allianz and UNIQA vs TUZ.

Choosing accident insurance sum, relate it to the actual costs: rehabilitation, private visits, possible time off work. For active people (cycling, contact sports), it is worth considering higher SU and extensions. On the other hand, for office jobs, the basic option with SU modification may be reasonable.

If you are looking for a quick estimate: SU 30,000–50,000 PLN for basic coverage, 60,000–100,000 PLN for those who actively participate in sports or expect higher benefits. Remember that a higher SU increases the premium, but also increases the actual payout for damages.

Are you looking for a ready-made accident insurance product? See the product page. Individual NNW and contact us for an offer tailored to your risk profile.