Accident Insurance Guarantee

By means of this guarantee, the insurer guarantees the payment of the sum insured as set out in the special conditions of the contract when, as a result of a covered accident, the instantaneous death of the insured occurs. Death occurring within one year of the accident as a direct consequence of the injuries sustained is also usually included.

This guarantee covers the total or partial payment of the insured benefit, in accordance with the percentage established in the scales included in the general conditions. These reflect the degree of compensation according to the severity and nature of the irreversible injuries resulting from the accident.

Some insurers allow you to take out the progressive disabilitywhich increases the amount of compensation depending on the level of injury.

This coverage guarantees an additional capital sum, normally equal to that contracted as the main death, in the event of death resulting from a traffic accident. It usually requires the prior contracting of the accidental death cover.

In the event of permanent disability resulting from a traffic accident, this cover allows you to receive a capital sum in addition to that stipulated in the main Permanent Disability cover.

Covers the costs of emergency health care, first aid, hospitalisation, treatment, medication and rehabilitation derived from a covered accident. The financial limit and duration (generally one year from the accident) will be stated in the policy.

It is also worth checking whether cover for expenses abroad is included.

It includes multiple coverages such as sending medicines, health transfers, formalities, hotel accommodation, return due to death of a family member, legal assistance, advance payment of bail, loss of luggage, forgotten objects, etc.

Ask us about the general conditions for exact details of coverage and limits.

If as a consequence of an accident (or illness, if covered) a temporary incapacity occurs that prevents the insured person from carrying out his declared activities, the daily compensation agreed in the policy will be paid.

Check if there is a waiting period, excess of days and the daily sum contracted, as this varies according to the insurer.

It compensates the insured for each day of hospitalisation after a covered accident, according to the daily sum agreed in the policy. It is a simple but useful guarantee for prolonged stays in medical centres.