# Estonian Supreme Court: accident, travel and life insurance

URL: https://insurancelawestonia.ee/supreme-court/personal-insurance/
Author: Dr Olavi-Jüri Luik, Partner, Head of Insurance Law, attorney at law (Advokaadibüroo WIDEN OÜ)
Last updated: 2026-11-04

> Estonian Supreme Court (Riigikohus) on personal insurance (accident, travel and life insurance): English summaries with links.

This page is part of the [overview of Estonian Supreme Court insurance case law](https://insurancelawestonia.ee/supreme-court). It collects 1 decision of the Civil Chamber of the Supreme Court (*Riigikohus*) on this topic, in chronological order, with a short synthesis of the direction of the case law. The summaries are written in our own words; the judgments themselves are available in Estonian only. Abbreviations and citation conventions are explained on the [overview page](https://insurancelawestonia.ee/supreme-court#how-to-use-this-overview).

## Synthesis

There are few Supreme Court decisions on personal insurance. In addition to the decision below, relevant decisions are the accident insurance judgments 3-2-1-112-14 (intoxication; burden of proof under VÕS § 552; topic 3) and 2-19-14759/139 (gross negligence, proportionality; topic 4), the travel insurance medical expenses judgment 3-2-1-178-12 (topic 6) and the judgment on avoidance of a life insurance contract 3-2-1-34-01 (topic 8). No recent substantive Supreme Court decision on life insurance or unit-linked life insurance was identified for this overview.

## Decisions

### RKTKo 08.03.2001, 3-2-1-29-01

*Judgment* · no paragraph numbering · accident insurance; disability and injury benefits; right of choice · *pre-VÕS law*

The type and amount of the benefit follow from the policy and the conditions forming part of it. The insured may choose between an injury benefit and a disability benefit only if the contract provides for both; where the policy provided only for a disability benefit, an injury benefit could not be claimed. The decision applies pre-VÕS law.

[Judgment on riigikohus.ee (Estonian)](https://www.riigikohus.ee/et/lahendid?asjaNr=3-2-1-29-01)

## Related pages

- [Supreme Court of Estonia: overview of insurance case law](https://insurancelawestonia.ee/supreme-court)
- [Previous topic](https://insurancelawestonia.ee/supreme-court/motor-third-party-liability)
- [Next topic](https://insurancelawestonia.ee/supreme-court/distribution-and-broker-liability)
- [Estonian insurance contract law: overview](https://insurancelawestonia.ee/estonian-insurance-contract-law)
- [Glossary of Estonian insurance terms](https://insurancelawestonia.ee/glossary)