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.
Personal Accidents
Because the unexpected can happen, at work or even during your moments of relaxation and leisure, Personal Accident insurance can protect you at all times of your life.
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.
Advantages
This is an optional insurance that works as a complement to the social security system to which the person is linked, and can be accumulated with other insurances of the same or other types (such as Workmen's Compensation, Sickness or Life Insurances, for covers other than compensation).
- Simplified hiring, without the need for a clinical health questionnaire.
- It allows insured persons between the ages of 18 and 75 to join.
- Low and stable cost, the rate can remain unchanged regardless of the age of the Insured Person.
- Very flexible and broad insurance capital, can start at £5,000 up to £1,000,000, with no age limit.
- Valid worldwide 24 hours a day.
By taking out Personal Accident insurance for a year or more, you can waive the need to take out temporary insurance when travelling abroad.
Coverage
Main Covers
- Death
- Permanent Disability
- Death or Permanent Disability (not cumulative)
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 want 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 nature are excluded, examples are: Paragliding, skydiving, 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.