15-month deadline for permanent disability
Where such a deadline is agreed, possible permanent disability must be claimed and medically supported in time. The period generally starts on the accident date.
Official RIS decision →Case law
Supreme Court decisions on accident insurance.
Selected verified decisions with practical context. They do not replace review of the individual policy.
When is disability permanent?
Permanent disability requires a lifelong impairment or a medically supported prognosis that it will probably remain for life. The relevant assessment date matters.
Official RIS decision →Temporary or permanent impairment
Policy terms distinguish temporary from lifelong impairment. The long-term prognosis is central to capital or pension benefits.
Official RIS decision →Reassessment within the contractual period
A different degree of disability is considered only if reassessment is requested within the contractual period. Deadline management is therefore essential.
Official RIS decision →What qualifies as an accident?
The Court examined whether an external event and resulting injury met the contractual accident definition. A suddenly noticed complaint is not automatically an insured accident.
Official RIS decision →Daily allowance and occupational incapacity
For an agreed daily allowance, the relevant occupation or activity against which complete incapacity is measured depends on the exact policy wording.
Official RIS decision →