These are policies that provide compensation in the form of monthly or quarterly income for a collective sum or for a maximum period of time if a person loses his or her ability to work temporarily or permanently due to an accident described in the policy.

Although the profession of the issued is an important risk assessment factor, there is also assurance for those who do not work. A person may take out a policy on behalf of another person, or in the case of an insurable interest.

These policies also provide for treatment expenses that the insurer has to make due to the accident.