Why a business needs a group policy
Voluntary employee accident insurance supplements compulsory social insurance through the Social Fund of Russia. The policy pays the employee or the family in case of injury, disability or death — at work, on the way to work or around the clock, if the policy says so. It helps employers retain staff and reduces disputes after incidents.
How we calculated
According to the Bank of Russia, in 2025 employers concluded 538,000 accident policies for their staff covering 21.2 million people. Premiums averaged 0.0371% of the sum insured. The calculator multiplies this rate by the sum insured and the number of employees.
The average rate is low because the statistics contain many large policies covering entire workforces. For a small team and hazardous occupations the price will be higher.
What affects the price
- Occupations and working conditions: office, warehouse, construction site, transport, production.
- Cover: working hours only or 24 hours; injury, disability, death, hospitalisation.
- Sum insured — often linked to annual earnings.
- Number of insured and incident history.
Estimates by company
The company coefficient is the ratio of its average premium per employee accident policy to the market average (about RUB 35,000) according to the Bank of Russia for 2025. The average premium depends on client size, so many companies fall outside 0.5–2.0 and show "price on request".
Preliminary estimate
100 employees, sum insured RUB 1 million: 1,000,000 × 100 × 0.0371% ≈ RUB 37,100 a year.
This is an indicative estimate. Learn more on the employee accident insurance page; the medical programme budget is in the employee DMS calculator. Offers — via a request.
Sources
Bank of Russia: consolidated data on premiums, sums insured and number of insured under employee accident insurance for 2025, statistics by insurer (forms 3 and 4).