Accident Insurance

This covers the death of the insured as the direct result of an accident (including road traffic accidents), where the death occurs within 18 months of the event.

 It refers to a situation of permanent disability that results in anatomical or functional losses and also requires assistance from another person to carry out the most basic daily activities, such as dressing, moving around, eating or similar tasks, caused by an accident. It must be officially recognised by Social Security or another equivalent body. 

The beneficiary named in the policy. Under this product, the policyholder, the insured person and the beneficiary are the same person—in this case, you, as the person taking out the policy online.

Yes. As risk increases with age, the price is adjusted each year in line with the insured’s age. The premium payable for each year, assuming the agreed policy conditions remain unchanged, is set out in your policy documentation.

The benefits scale is a list of covered diagnoses, classified under categories such as fractures, burns, serious trauma, sensory and/or mobility loss, and amputations. It indicates the level of compensation and which diagnoses are covered in the event of an accident. Any conditions not included in the scale are not covered (for example, the Senior product does not cover death).

Full details of the benefits scale will be provided along with your policy documentation at the time of purchase.