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Personal Accidents

Personal Accidents

Personal Accident Insurance may cover accidents resulting from professional risks, guaranteeing exclusively accidents occurring within the scope of professional activity, or it may also cover extra-professional risks, guaranteeing coverage for accidents resulting from activities not covered by Workmen's Compensation, such as, for example, those occurring during so-called "leisure time", thus covering the 24-hour period of the day.

Within the scope of the Companies, this insurance falls within the employee benefits area, since it is not compulsory but offers complementary and cumulative protection to Workmen's Compensation insurance.

Advantages

  • Insurance that guarantees a capital sum in the event of death or disability in the event of an accident at work and non-occupational accident. In the event of an accident at work, the capital is cumulative with any compensation under the compulsory occupational accident insurance. This insurance guarantees a higher level of protection for company employees.
  • Insurance provides a wide range of guarantees that offer additional coverage for Insured Persons, such as: additional compensation in case of serious claims for dependent children and Daily Allowance in case of Hospitalisation. Employees will feel more comfortable knowing that in the event of an accident they will be duly protected.

Coverage

Main Covers
  • Death
  • Permanent Disability
  • Death or Permanent Disability
Complementary Covers
  • Temporary Disability (Absolute or Partial)
  • Treatment and Repatriation Costs
  • Hospitalisation Costs
  • Funeral Expenses
  • Civil Liability
  • Travel Assistance Abroad
  • Luggage when travelling abroad

Care to be taken

When you are looking to take out a Personal Accident policy, we advise you of the following:
  • Inform the Insurer if you travel professionally frequently and to which countries (if you do not do so the risk may not be guaranteed).
  • Sports of a dangerous character are excluded, examples are: Combing, parachuting, skiing, surfing, boxing and all those of a similar character. It is possible to negotiate with the Insurer the inclusion of the practice of this type of sports.
  • The use of 2 wheeled motor vehicles is normally an exclusion from the scope of cover. It is possible to negotiate with the Insurer to include the use of 2 wheeled motor vehicles.
  • Death or disability caused as a result of natural cataclysms such as earthquakes, tsunamis, earthquakes, etc. are excluded in most of the policies sold by the Insurers.
  • Death or disability as a result of acts of terrorism are excluded in most of the policies marketed by the Insurers.

The information contained in this website is merely indicative. The rights and obligations of the parties are defined in the Proposals, Conditions Special and General applicable terms of the respective insurance policies contracted.

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