{"id":2840,"date":"2025-07-07T16:26:36","date_gmt":"2025-07-07T16:26:36","guid":{"rendered":"https:\/\/lawebdeseguros.com\/?page_id=2840"},"modified":"2025-08-21T20:14:51","modified_gmt":"2025-08-21T18:14:51","slug":"accident-insurance-guarantee","status":"publish","type":"page","link":"https:\/\/lawebdeseguros.com\/en\/warranties\/accident-insurance-guarantee\/","title":{"rendered":"Accident Insurance Guarantee"},"content":{"rendered":"
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Individual Accident Insurance (Guarantees)<\/h2>\n

The insurers have different types of accident insurance, there are collective, for individuals and for companies, however, in this case we will focus on individual accident insurance, and first of all we will indicate that it is possible to contract it to cover exclusively those accidents that occur during professional or extra-professional hours and it is also possible to cover 24 hours a day.<\/p>\n

Both the limits of the insured capital and the possible additional guarantees will generally depend on the professional activity carried out by the insured person.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div>

Death by Accident<\/span><\/i><\/a><\/h4><\/div>
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By means of this guarantee, the insurer guarantees the payment of the sum insured as set out in the special conditions<\/strong> 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.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>

Permanent disability due to accident<\/span><\/i><\/a><\/h4><\/div>
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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<\/strong>. These reflect the degree of compensation according to the severity and nature of the irreversible injuries resulting from the accident.<\/p>\n

Some insurers allow you to take out the progressive disability<\/strong>which increases the amount of compensation depending on the level of injury.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>

Death due to traffic accident<\/span><\/i><\/a><\/h4><\/div>
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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.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>

Permanent disability due to road traffic accidents<\/span><\/i><\/a><\/h4><\/div>
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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.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>

Health Care<\/span><\/i><\/a><\/h4><\/div>
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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.<\/p>\n

It is also worth checking whether cover for expenses abroad is included.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>

Travel Assistance<\/span><\/i><\/a><\/h4><\/div>
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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.<\/p>\n

Ask us about the general conditions<\/strong> for exact details of coverage and limits.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>

Temporary incapacity due to accident and\/or illness<\/span><\/i><\/a><\/h4><\/div>
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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.<\/p>\n

Check if there is a waiting period, excess of days and the daily sum contracted, as this varies according to the insurer.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>

Hospitalisation<\/span><\/i><\/a><\/h4><\/div>
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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.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>

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An accident is understood to be a bodily injury that derives from a violent, sudden, external cause and beyond the will or intention of the insured person.<\/p>","protected":false},"author":2,"featured_media":0,"parent":2472,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"_joinchat":[],"footnotes":""},"categories":[27],"class_list":["post-2840","page","type-page","status-publish","hentry","category-garantias","description-off"],"_links":{"self":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/2840","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=2840"}],"version-history":[{"count":0,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/2840\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/2472"}],"wp:attachment":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media?parent=2840"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/categories?post=2840"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}