CHARACTERISTICS

COVERAGE

REQUIREMENTS

FAQs

Protection, peace of mind and support for you and your loved ones during recovery

Have peace of mind with the Senior Protection Insurance and Comprehensive Accident Protection Insurance. These accident insurance policies provide you the necessary help to deal with incidents that may arise. Learn more about its characteristics and find the one that best suits your needs.

Senior Protection Insurance

An accident insurance that will give you independence and peace of mind. A quick and simple solution so that you do not have to depend on anyone else in an unexpected situation, as you will have the necessary help to make your life as comfortable and normal as possible after an accident.


Comprehensive Accident Protection Insurance

Protect your financial needs and economic stability against the unforeseen, as well as those of your family. Loss of earnings due to death, permanent absolute disability, permanent partial disability or severe disability, due to an accident can, in many cases, be a serious economic problem for the family, the impact of which can be reduced thanks to this accident insurance.


What do these accident insurance policies offer?

These accident insurance policies offer you protection against the financial and personal consequences of an accident:

  • Lack of income.
  • Increased expenses.
  • Loss of quality of life.

With Senior Protection Insurance and Comprehensive Accident Insurance, you will receive financial compensation in the event of any of the contingencies covered by the policy and you will have the help you need to speed up your recovery.

COVERAGE SENIOR PROTECTION COMPREHENSIVE PROTECTION
Accidental injuries1

Fractures
Burns
Severe trauma
Sensory or mobility loss
Amputations

When causing a permanent absolute disability,
permanent partial disability or severe disability

Accident compensation

According to
scale or valuation
table

Capital insured in case of death, permanent
absolute disability or severe disability
Valuation table in case of permanent partial disability

Home help 200 hours2 50 hours2
Care of pets
and plants
Hours3 of help to care for pets
or plants as a result of an accident
and hospitalisation of more than 48 hours.

Coverage for accidents
outside the home
Yes
Professional sessions 20 forty-five minute sessions2

How to arrange cover?

If you want more information about taking out these accident insurance policies, call us on 915 123 123 or visit any branch of Banco Santander.

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If you are a customer, click here and calculate your insurance.

What do these insurance policies protect me against?

The coverage of these accident insurance policies is designed to satisfy different needs, find out more:

Senior Protection Insurance

Accidents. With this insurance, in the event of an accident, you will receive compensation equal to the amount indicated in the medical diagnosis detailed in the scale1, once the necessary documentation has been delivered and verified. This scale includes the list of medical diagnoses covered and specifies the amount to be received under the headings:

  • Fractures
  • Burns.
  • Serious trauma.
  • Sensory or mobility loss.
  • Amputations.

Home help. A person will take charge of the main tasks of your daily life, such as cleaning your home, doing the shopping and running any errands you need, preparing your food or picking up your prescriptions, as well as other services. This insurance offers you a total of 200 hours of help per year.

  • Accompaniment of the Insured: assistance for basic everyday actions such as personal hygiene, bathing, help with food, changing clothes, short walks, accompaniment to the doctor.
  • Household cleaning: general maintenance cleaning.
  • Shopping and errands.
  • Laundry: washing, drying, ironing and shoe cleaning.
  • Preparation of meals: preparation of a daily meal for the Insured when unable to do so personally.
  • Purchase of medicines: collection and delivery (cost of travel the Insurer’s expense) of medicines to the Insured's home. In the case of medications that require a prescription to be dispensed.
  • Care of pets and plants. This service will be activated in the event of an accident and hospitalisation of more than 48 hours and can be used for as long as necessary as required.

Professional sessions. We will help you in your recovery by offering you rehabilitation, nursing, podiatry, psychology or speech therapy sessions. Senior Protection Insurance includes 20 forty-five minute sessions2 delivered by professionals in the health field.

Coverage for accidents outside the home. The expenses generated by the medical care, transport, repatriation or the travel of a relative will be covered by this accident insurance, in the event that the incident occurs outside the province of residence of the Insured.


Comprehensive Accident Protection Insurance

Accident Compensation. Learn about the different types of coverage included in this policy:

Accidental death. Insured capital € 100,000.

Accidental Permanent Absolute Disability Insured capital € 100,000. If you receive compensation from the Policy for a Permanent Partial Disability and then an accidental Permanent Absolute Disability is recognised, you will be compensated only for the difference until you reach the capital insured.

Accidental Permanent Partial Disability Compensation according to valuation table. Maximum capital € 100,000. If you receive compensation from the Policy for a Permanent Partial Disability and then an accidental Permanent Absolute Disability or Severe Disability is recognised, you will be compensated:

  • For Permanent Absolute Disability only for the difference until reaching the capital insured.
  • In case of Severe Disability, the difference until reaching the insured capital of the Permanent Absolute Disability coverage in addition to the capital for Severe Disability. This includes up to €1,500 for orthopaedic prostheses.

Severe Disability due to accident. Additional capital to the Absolute Permanent Disability coverage of € 50,000. If you receive compensation from the Policy for a Permanent Partial Disability and then an accidental Severe Disability is recognised, you will be compensated until you reach the capital insured for the Permanent Absolute Disability coverage as well as the capital for Severe Disability.

Home help. 50 hours of annual support to help the recovery of the Insured.

  • Accompaniment of the Insured.
  • Home cleaning.
  • Shopping and running errands.
  • Food preparation.
  • Purchase of medications.

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What do you need to do to take out these policies?

The Comprehensive Accident Protection and Senior Protection Insurance policies have the following requirements:


REQUIREMENTS

SENIOR PROTECTION

COMPREHENSIVE PROTECTION

Residence in Spain

Yes

Yes

Age when taking
out the policy

Between 55 and 80 years old

Between 32 and 64 years old

Policy term

Annual renewable, until
the Insured turns 85.

Annual renewable, until the Insured turns 74,
in the case of Accidental Death, and 66 in
the case of Permanent Absolute Disability,
Permanent Partial, Disability,
Severe Disability and Home Help.

Payment method.

Annual or half-yearly.

Annual or half-yearly.


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Most common questions about these insurance policies

What is the scope of coverage? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

The insurance covers accidents both in Spain and abroad.

What is the scale or assessment table? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

In the case of a compensation payment, the scale refers to the table indicating to the financial amount corresponding to each medical diagnosis. Details of the coverage will be provided along with your policy documents.

Do they cover any accident? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

No. In the case of Senior Protection Insurance, this is an insurance that provides coverage against the medical diagnoses included in the policy scale that derive from an accident and that do not appear in the policy's list of exclusions.

In the case of Comprehensive Protection Insurance, it covers those accidents that are not included in the policy's list of exclusions (extreme sports, etc.).

Will my policy suffer any changes to the premium? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

The premiums of the Senior Protection Insurance increasing with the age of the insured. The premium table is provided when taken out.

The Comprehensive Protection Insurance premium does not vary with age, nor for having reported any claim for which you have been compensated.

Who will receive the compensation in the event of a claim? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

In the case of Senior Protection Insurance, the insured will receive the compensation.

And in the Comprehensive Accident Protection Insurance, in event of death, the beneficiaries will receive the compensation. Whereas in the case of permanent absolute disability, permanent partial disability and severe disability, it will be the insured.

Comprehensive Accident Insurance: What is an accidental death? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

It is when the direct cause of death of the insured is an accident and death occurs within 18 months of the accident.

Comprehensive Accident Insurance: What is total permanent disability due to accident? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

It is the irreversible physical and/or mental situation, derived from an accident, which disables the insured for any profession or trade.

Comprehensive Accident Insurance: What is partial permanent disability due to accident? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

Irreversible injury, included as a diagnosis in the policy assessment table, not declared as a permanent absolute disability or severe disability, and that causes the insured the functional or anatomical loss of limbs or organs of his/her body as a result of an accident, within the 18 months following said accident. The medical certificate stating the origin, cause and development of the disease must be presented.

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If you are a customer, click here and calculate your insurance.

FAQs

    What is the scope of coverage? What is the scale or assessment table?

Accident Insurance

Icon / check Created with Sketch. Get help at home should you have an accident

Icon / check Created with Sketch. You are covered against any possible lack of income

Icon / check Created with Sketch. Protect yourself against any possible loss of quality of life

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