{"id":1972,"date":"2025-06-24T14:48:56","date_gmt":"2025-06-24T14:48:56","guid":{"rendered":"https:\/\/lawebdeseguros.com\/?page_id=1972"},"modified":"2025-10-17T12:46:04","modified_gmt":"2025-10-17T10:46:04","slug":"accident-insurance","status":"publish","type":"page","link":"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/accident-insurance\/","title":{"rendered":"Accident Insurance"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Contents\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #0a225d;color:#0a225d\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #0a225d;color:#0a225d\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/accident-insurance\/#%C2%BFComo_contratar_un_Seguro_de_Accidentes_Individual\" >How to take out Individual Accident Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/accident-insurance\/#%C2%BFQue_es_un_seguro_de_accidentes_individual\" >What is individual accident insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/accident-insurance\/#%C2%BFQue_cubre_un_seguro_de_accidentes_personales\" >What does personal accident insurance cover?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/accident-insurance\/#%C2%BFDonde_tiene_validez_el_seguro\" >Where is the insurance valid?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/accident-insurance\/#%C2%BFCual_es_la_diferencia_entre_un_seguro_de_accidentes_individual_y_uno_colectivo\" >What is the difference between individual and group accident insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/accident-insurance\/#%C2%BFComo_se_contrata_un_seguro_de_accidentes_individual\" >How do I take out individual accident insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/accident-insurance\/#%C2%BFCual_es_el_precio_de_un_seguro_de_accidentes_individual\" >What is the price of an individual accident insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/accident-insurance\/#%C2%BFVale_la_pena_contratar_uno\" >Is it worth hiring one?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFComo_contratar_un_Seguro_de_Accidentes_Individual\"><\/span>How to take out Individual Accident Insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Imagine that one day, on your way to work or during a cycling trip, you suffer a fall that prevents you from continuing with your routine for weeks. It not only affects your health, but also your income. That's exactly what <strong>individual accident insurance<\/strong>a key tool to protect you against the unexpected. But how do you know if it's right for you and what should you consider before taking it out?<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_es_un_seguro_de_accidentes_individual\"><\/span>What is individual accident insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A <strong>individual accident insurance<\/strong> is a policy that financially protects the insured person when he\/she suffers an accident. An accident is understood to be any bodily injury that is the consequence of a violent, sudden, external event totally beyond the insured person's control.<\/p>\n<p>This type of insurance is designed to offer peace of mind and support at delicate moments, ensuring a previously agreed compensation. If the accident results in disability or death, the insurance guarantees payment to the insured or, if applicable, to the beneficiary.<\/p>\n<section class=\"vc_cta3-container animacion-vc ai-play-skip\">\n    <div class=\"ai-play-skip cta_general vc_general vc_do_cta3 vc_cta3 CAT-VC vc_cta3-style-classic vc_cta3-shape-rounded vc_cta3-align-left vc_cta3-color-white vc_cta3-icon-size-xl vc_cta3-icons-left vc_cta3-actions-right wpb_animate_when_almost_visible wpb_fadeInDown fadeInDown vc_custom_canallas wpb_start_animation animated\">\n        <div class=\"vc_cta3-icons\">\n            <div class=\"vc_icon_element vc_icon_element-outer vc_do_icon vc_icon_element-align-left\">\n                <div class=\"vc_icon_element-inner vc_icon_element-color-white vc_icon_element-size-xl vc_icon_element-style- vc_icon_element-background-color-grey\" style=\"margin-right:10px;\">\n                    <!-- span class=\"fas fa-shield-alt icono-seguro\"><\/span -->\n                    <img decoding=\"async\" src=\"http:\/\/lawebdeseguros.com\/img\/logo_solo.svg\" alt=\"Logo\" style=\"width: 70px;\">\n                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"vc_cta3_content-container\">\n            <div class=\"vc_cta3-content\">\n                <header class=\"vc_cta3-content-header\">\n                    <p class=\"cta-heading h2\">Your peace of mind is also assured<\/p>\n                <\/header>\n                <p class=\"cta_general cta-heading h3\">Request information about your individual accident insurance and protect yourself against unforeseen events that can affect your health and income.<\/p>\n            <\/div>\n            <div class=\"vc_cta3-actions\">\n                <div class=\"vc_btn3-container vc_btn3-inline\">\n                    <a class=\"cta_general vc_general vc_btn3 vc_btn3-size-md vc_btn3-shape-rounded vc_btn3-style-flat vc_btn3-color-green\" href=\"https:\/\/api.whatsapp.com\/send?phone=34659929495&#038;text=Tu+tranquilidad+tambi%C3%A9n+se+asegura\" target=\"_blank\" id=\"ga_whatsapp\" rel=\"noopener\">\n                        <i class=\"fab fa-whatsapp\"><\/i> Request for information                    <\/a>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_cubre_un_seguro_de_accidentes_personales\"><\/span>What does personal accident insurance cover?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Although coverages may vary according to each company and the type of policy taken out, in general a <strong>individual accident insurance<\/strong> covers:<\/p>\n<ul>\n<li>Death by accident.<\/li>\n<li>Permanent disability (total or partial).<\/li>\n<li>Temporary incapacity.<\/li>\n<li>Medical or surgical expenses arising from the accident.<\/li>\n<li>Rehabilitation and complementary care.<\/li>\n<\/ul>\n<p>In addition, some policies allow you to include <strong>additional safeguards<\/strong>such as coverage in the event of hospitalisation, surgery or reimbursement of certain expenses. It is therefore advisable to carefully assess which situations are covered and which risks you wish to protect.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFDonde_tiene_validez_el_seguro\"><\/span>Where is the insurance valid?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>One of the most important things you should check before taking out insurance is whether or not you have a policy. <strong>geographical scope of coverage<\/strong>. Some policies offer coverage only in the country of residence, while others guarantee assistance in the country of residence. <strong>around the world<\/strong>. This is especially relevant if you travel for business or pleasure.<\/p>\n<p>Always consult the general terms and conditions and check whether they exist. <strong>zoning restrictions<\/strong>especially outside the national territory.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFCual_es_la_diferencia_entre_un_seguro_de_accidentes_individual_y_uno_colectivo\"><\/span>What is the difference between individual and group accident insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The main difference lies in <strong>who takes out the insurance and who it is for<\/strong>:<\/p>\n<ul>\n<li><strong>Individual<\/strong>: You hire him directly to protect yourself.<\/li>\n<li><strong>Collective<\/strong>A company, organisation or entity contracts it for its employees or members.<\/li>\n<\/ul>\n<p>Group insurance usually has <strong>standard conditions<\/strong>while the individual <strong>can be customised<\/strong> according to your profile, age, profession and personal risks. So if you are looking for something more tailored to you, the individual option gives you more control over cover and guarantees.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFComo_se_contrata_un_seguro_de_accidentes_individual\"><\/span>How do I take out individual accident insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Taking out insurance of this type is not complicated, but it is essential to <strong>to do so with professional advice<\/strong>The details matter: from compensation limits to waiting periods or exclusions.<\/p>\n<p>In addition, there are <strong>different modalities<\/strong> The number of contracts, depending on when you want to be covered:<\/p>\n<ul>\n<li>During working hours (ideal if your work involves risks).<\/li>\n<li>Only in your free time or private life.<\/li>\n<li>24 hours a day, no matter when or where the accident occurs.<\/li>\n<\/ul>\n<p>Choosing the right type of insurance is key to avoid overpaying and to have the right protection. If you have any doubts about which type of insurance is best suited to your lifestyle, you can contact our team of advisors at <a href=\"\/en\/contact\/\"><span data-no-translation=\"\">La Web de Seguros<\/span><\/a> for personalised guidance.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFCual_es_el_precio_de_un_seguro_de_accidentes_individual\"><\/span>What is the price of an individual accident insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The cost of such a policy varies greatly depending on factors such as:<\/p>\n<ul>\n<li>Age of the insured.<\/li>\n<li>Occupation and associated risk level.<\/li>\n<li>Coverage contracted.<\/li>\n<li>Insured amount.<\/li>\n<\/ul>\n<p>There is no single or standard price. Therefore, we recommend that you contact us to <strong>receive a proposal tailored to your specific case<\/strong>with a comparison of the best options on the market.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFVale_la_pena_contratar_uno\"><\/span>Is it worth hiring one?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>While no one wants to have an accident, no one is exempt. Insurance of this type acts as a <strong>safety net<\/strong>not only for you, but also for those who depend on you. The peace of mind that comes from knowing that you will be financially backed up if something happens is one of the main reasons why more and more people consider it essential.<\/p>\n<p>Moreover, by being able to choose between different modalities and guarantees, you can find an option that suits exactly what you need, without paying for unnecessary coverage.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"vc_message_box vc_message_box-standard vc_message_box-rounded vc_color-info\" ><div class=\"vc_message_box-icon\"><i class=\"fa fa-solid fa-circle-info\"><\/i><\/div><p>For more information on the &lt;stronggaranties available in accident insurance, you can consult <a class=\"\" href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/accident-insurance-guarantee\/\">this section of our website<\/a> We explain clearly what each one consists of and how it can benefit you.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Personal accident protection with cover including disability, health care and compensation. Security for you and your family in the event of any unforeseen event.<\/p>","protected":false},"author":2,"featured_media":2547,"parent":1897,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"_joinchat":[],"footnotes":""},"categories":[23],"class_list":["post-1972","page","type-page","status-publish","has-post-thumbnail","hentry","category-seguros-personales","description-off"],"_links":{"self":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1972","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/comments?post=1972"}],"version-history":[{"count":0,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1972\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1897"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media\/2547"}],"wp:attachment":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media?parent=1972"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/categories?post=1972"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}