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 practice your profession as a result of an accident, we guarantee a daily indemnity during medical treatment and the rest period, for a maximum period of one year.
• 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 you would require hospitalisation, this guarantee will provide you a daily indemnity as of the fifth day of hospitalisation until discharge, with a maximum limit of 100 days.
• Indemnity for a period of hospitalisation of more than 15 days. In some serious accidents, hospitalisation may be extended several days, causing of loss of revenue and additional economic burdens. By contracting this optional coverage, you will receive an indemnity of 2% of the sum for permanent disability if the period of hospitalisation is greater than 15 days, or of 4% if it exceeds 22.
• 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, and it includes services such as:

                 - Hotline for doubts and queries regarding coverage and medical care abroad

                 - Payment or reimbursement of medical, surgical, pharmaceutical and hospitalisation costs abroad, up to a limit of €3,300

                 - Repatriation or medical transportation in case of injury or illness

                 - Repatriation in the event of death

                 - Cash advance in the event of accident, theft or severe illness abroad, up to a limit of €3,000

• Additional sum for traffic accident. When including this option in your insurance, we will increase the indemnity for death and permanent disability to twice the sum insured if it is caused by a traffic accident.

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

• The use of any capacity of motorbike. Whether the driver or passenger.
• 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 as a result of a same accident both spouses pass away, their minors or overage dependent children will receive in addition to the principal sum for death another sum for the same amount. Therefore, the sum established for this guarantee will be twofold.

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

This modality of insurance protects you from accidents that may occur in your private life and while commuting.