Accident insurance

This essential guarantee under our EssentialAccident insurance offers compensation, taking into account the level of seriousness of the consequences arising from an accident suffered by the insured party and included on the disability scale. In addition, you may extend the percentages of this scale by taking out the "progressive incapacity" option, which increases the limits of indemnity to be received.

With the aim of adapting the insurance to your specific needs, we offer a series of complementary guarantees so you can design a tailor-made accident insurance:

• Temporary Disability. In the event temporarily being unable to carry out your profession as a result of an accident, we guarantee a daily indemnity during medical treatment and the recovery period, for a maximum period of one year.

You can also take out scaled temporary disability, where the days of sick leave according to the pathology affected are detailed in the contract.

• Medical care. This coverage provides an additional sum for medical, pharmaceutical and hospitalisation expenses, as well as those arising from the transport required for subsequent treatment or rehabilitation.
• Daily benefit in the event of hospitalisation. If as a result of the accident or illness you require hospitalisation, this guarantee will provide you a daily indemnity as of the first day of hospitalisation until discharge, with a maximum limit of 365 days.
• Travel assistance. This complementary guarantee has been conceived to protect you when travelling through Spain or around the world, provided that you are 25 km from your habitual residence (10 km in island territories) with services such as:
  • Hotline for doubts and queries regarding coverage and medical care abroad
  • Repatriation or medical transportation in case of injury or illness  If the repatriated or transferred insured person travels only accompanied by a child under the age of 15, the insurer will arrange and pay the cost of a return trip for an attendant or other person allocated by the insurer, in order to accompany the child/children to return to their home.
  • Payment or reimbursement of medical, surgical, pharmaceutical and hospitalisation costs abroad, up to the limit stipulated in the policy.
  • Repatriation in the event of death.
  • Travel for a family member in the event of hospitalisation.
• Additional sum for traffic accident. When including this option in your insurance policy, we will increase the indemnity for death and permanent disability to the capital selected, if it is caused by a traffic accident.

Personal accident insurance is a very flexible product that is adapted to each person's family, financial and professional situation, including options such as:

• Including the use of any capacity of motorbike (as a driver or passenger) for under 25s. People over this age are included in the policy automatically.
• Practising certain extreme sports as an amateur.
• Indemnity for death or permanent disability resulting from a myocardial infarction, provided that is declared an accident.
• Death of both spouses. If the death of both spouses or common-law partners occurs as a result of an accident covered by the policy, compensation shall be provided, in the event that there are children who are minors under the age of 18 or of full legal age who are legally incapacitated, of the amount insured established in the policy.

This modality of insurance protects you from accidents that may occur to you while exercising your profession.