What makes our accident insurance different
Accident insurance offers protection in the event that you have an emergency anywhere in the world. If you are forced to take medical leave, or even if you are seriously injured, permanently disabled or die, you or your family will have significant financial support to help you through the situation, together with an attractive range of complementary services.
Categories of our accident insurance
A very affordable, quick and simple insurance policy, designed to guarantee compensation in the event of death or permanent disability.
The most comprehensive option, with access to all coverage and services.
What our personal accident insurance covers
The insurance guarantees compensation for the capital arranged in the event that the insured person dies due to a direct cause of an accident.
In addition, the beneficiaries may receive an advance sum to cover the expenses arising from the death and, for example, the burial.
We guarantee that compensation will be paid in accordance with the level of seriousness of the after-effects of an accident suffered by the insured party, as set out in the scale of disability in the conditions of the policy.
In the event that you are temporarily unable to carry out your profession as a result of an accident or illness, you can choose to take out the scale-based daily sick leave guarantee or the actual and effective sick leave guarantee.
If as a result of the accident or illness you require hospitalisation, this guarantee will provide you a daily indemnity as of the first day of hospitalisation until discharge, with a maximum limit of 365 days.
You can also include an additional sum for medical, pharmaceutical and hospitalisation expenses, as well as those arising from the transport required for subsequent treatment or rehabilitation.
This complementary coverage has been conceived to protect you when travelling through Spain or around the world, provided that you are 25 km from your habitual residence (10 km in island territories) with services such as:
- Hotline for medical assistance abroad or to clear up any queries or doubts about coverage.
- Repatriation or medical transportation in case of injury or illness If this situation arises when you travel in the company of minors under 15 years of age under your care, the insurer will organise and pay for the return trip of a hostess or a person designated by the insured party, in order to accompany the minor or minors on their return to their habitual place of residence.
- Payment or reimbursement of medical, surgical, pharmaceutical and hospitalisation costs abroad, up to the limit stipulated in the policy.
- Repatriation in the event of death.
- Travel for a family member in the event of hospitalisation.
- A medical directory with upwards of 2,000 dentists available to you throughout the country, with free services and special discounts on different oral and dental treatments.
- A healthcare service with doctors and care centres throughout the country, offering special discounts and no waiting periods or limitations due to age or previous illnesses.
- The guarantees include complementary and even alternative treatments and therapies in specialised centres: thalassotherapy, thermalism, nutrition, myopia surgery, speech therapy, care for elderly people, etc. All of this with attractive discounts and without waiting periods or limitations due to age or previous illnesses.
Summary of coverage available by category
Essential Accident |
Comprehensive Accident |
|
|---|---|---|
Death |
||
| Accidental death | Included | Included |
| Death due to heart attack | Not included | Included |
| Death due to stroke | Not included | Included |
| Death due to traffic accident | Not included | Included |
Services included in our accident insurance
A doctor at your disposal 24 hours a day
We put you in contact with a professional by telephone or video call to answer any health-related query you may have.
- At any time of the day, wherever you are.
- Immediate attention, with no waiting lists.
A lawyer when you need one most
Resolve any legal matter that may arise in your private or family life.
- 24 hours a day, 365 days a year.
- No limit on consultations.
- Social Security administration procedures and claims for Social Security benefits.
FAQs
- 24-hour: in your private life or at work, you will be attended to around the clock.
- Outside work: for accidents that occur in your private life, outside of work.
- At work: does your job involve more risks than others? You will be attended to if you suffer a mishap while carrying out your work or during your work commute.
- Travel: you will be covered 24 hours a day if you have a mishap while travelling or during your stay at your destination.
- Traffic: full protection for accidents on public transport, as a passenger, car or motorbike driver and pedestrian.
- Air: if you travel by plane, you will be assisted if you need it, during the journey and transfers and in the boarding areas.
- Sports: do you play sports? No matter whether you are a hobbyist or an amateur, you will also be covered.
In so many cases, a life insurance policy, which covers the risk of death, can be perfectly complemented by an accident insurance policy. For example:
- Having additional cover in the event of accidental death.
- Providing coverage for permanent disability in one of the degrees of disability foreseen in the policy.
If you practice sports as a hobby or amateur (not professional), possible incidents will be covered. In the case of high-risk sports, a specific study will be required to determine the amount of the premium in each case.
The family care coverage is designed to protect you in the event of accidents that occur in the family environment. The services included range from home care by medical staff, home cleaning staff or an early return from a trip abroad.
Yes, in group accident insurance, we have a category —family collective accidents— for any type of family: parents and children that live in the habitual residence, single-parent families or couples with no children. Comprehensive protection for all the members of the family unit.