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Comprehensive accident insurance protection policy

Get the support you need to undertake the economic consequences of an accident. In your darkest moments, you and yours will not be alone.

Two capital blocks to choose from

Choose between a capital of EUR 50,000 or EUR 100,000 to protect you against an accident1.

With home help to aid your recovery

And a fast, simple contracting process, with no risk selection and a fixed premium2.

What this policy protects me against?

The coverage of the Accident Insurance is designed to satisfy different needs, find out more:

Accidental death. Insured capital 50.000 € or € 100,000.

Accidental Permanent Absolute Disability Insured capital 50.000 € or € 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 50.000 € or € 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 750 € or €1,500 for orthopaedic prostheses.

Severe Disability due to accident. Additional capital to the Absolute Permanent Disability coverage of 25.000 € or € 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. 25 or 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.

Find out more

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

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

Residence in Spain

Yes.

Age when taking
out the policy

Between 32 and 64 years old.

Policy term

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 .

REQUIREMENTS

COMPREHENSIVE PROTECTION

Find out more

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

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 valuation 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.

It covers those accidents that are not included in the policy's list of exclusions (extreme sports, etc.).

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

The beneficiaries will receive a payout in the event of death. In the event of absolute permanent disability, partial permanent disability or major disability, the beneficiary will be the insured.

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

The premium does not vary with age, or if a claim has been reported that has led to an indemnity.

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.

Seguro de Accidentes Protección Integral: ¿Qué es la gran invalidez por accidente? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

Es la situación de incapacidad permanente que provoque pérdidas anatómicas o funcionales y suponga además la necesidad de asistencia de otra persona para realizar los actos más esenciales de la vida, tales como vestirse, desplazarse, comer o análogos, provocada por un accidente. Deberá estar oficialmente reconocida por la Seguridad Social u otro organismo equivalente.

Find out more

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

FAQs

    What is the scope of coverage? What is the valuation 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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