Group accidents

Accident insurance for groups

The importance of thinking ahead

What does our insurance policy offer you?

Our Group accident insurance is aimed at all those groups, such as employees of a company, members of an association or sector, students at an educational institution and the like that look for the best conditions for its members, the greatest backup in the event of accident and financial support for their families.

Benefits of this insurance

Specialist advice

We offer you specific solutions adapted to your group, thanks to the advice of our network of specialist professionals.

Essential in a company

Because they are your company's engine, iprotect your employees and their relatives from the financial consequences of an accident or death.

Adapted to agreements

We offer you a specific solution which is adapted to your company's in-house agreements and, in its turn, complies with the corresponding labour agreement.

For trips too

We can also provide you with mandatory travel insurance (SOVI) if your company offers pubic passenger transport services.

Accidentes-colectivos

Why choose Plus Ultra Seguros?

Adaptability

Personalised Customer Service

Complete protection

Group accidents

Group accident insurance has been devised for those employers who wish to offer their workers quality protection in the event of possible accidents even though they are not obliged by agreement, as well as to any group of persons who carry out a joint activity, whether it be a work, cultural or sports leisure or training activity.

Coverage

With group accident we guarantee an indemnity in the event of death of any of the parties insured through accident or the direct after-effects thereof in the next 24 months. This guarantee also includes an advance payment to the beneficiaries of up to 1,200 euros for burial and similar expenses, without the need for any supporting documentation.

Categories

Our Group accident insurance offers you great flexibility in its covers as you can opt for cover for 24 hours a day, or for accidents during the working day, including while travelling. In either type cover applies throughout the world except in countries in a state of conflict.

Accidents caused by the following are included in this insurance:

  • Riding motorcycles with an engine capacity equal to or lower than 125 c.c.
  • Accident as a passenger in a means of public transport
  • Practicing certain sporting activities as an amateur and as a leisure activity
  • Lightning and other electrical damage, as well as fire and burns
  • Frostbite, congestion, sunstroke and the consequences thereof arising from an accident covered
  • Arising from extraordinary occurrences covered by the Insurance Compensation Consortium

FAQs

Taking out group accident insurance allows you to offer an extra benefit to your workers, rewarding their dedication and offering protection to them and their families in the event of an accident.

Furthermore, thanks to this insurance, it is not necessary for you to be liable with your company's assets to handle these expenses.

Lastly, another of the advantages of this insurance is the consideration of premiums paid as a deductible expense for your company and as a return in kind from work for your workers.

Accidents under agreement

Accident insurance under agreement insurance offers you the possibility of you complying with the obligations regarding work-related accidents under the current agreement in your sector, in accordance with Royal Decree 1588/1999. We automatically update both covers and sums on the official publication date so that they meet the requirements of each labour agreement.

Coverage

In the event of the death of an insured worker through accident, we cover an indemnity for his/her beneficiaries in accordance with the stipulations of your company's agreement, both if death occurs directly and if it is the result of the after-effects of the accident.

Advantages for your company

Taking out Accidents under agreement insurance offers clear advantages for companies that sign up for it. Some of which are:

  • It is set up in accordance with the labour sector, the agreement to be applied and the number oif parties insured
  • It reduces administration of the policy, thus avoiding personal registrations and withdrawals. The policy insures all the employees included in Social Security quotation group Tc2 without naming them
  • We have an automatic system for updating agreements which allows notiifications appearing in the respective Official Gazettes to be monitored daily

SOVI compulsory travel insurance

SOVI compulsory accident insurance is aimed at all companies and businesses engaged in the collective public transportation of travellers by land and has as its aim cover for possible indemnities set by law for personal injuries in the event of accident.

Coverage

With this cover we guarantee the corresponding legal indemnity for beneficiaries in the event of the death by accident of any of the travellers on the transport insured. This indemnity will apply both if death occurs directly or during the next 18 months as a result of the after-effects of the accident.

Accidents covered

SOVI compulsory accident insurance offers cover for the following accidents:

  • Accidents occurring during a journey in the mode of transport
  • Accidents occurring before the start of a journey and after it has ended, provided that the insured remains inside the vehicle
  • Accidents occuring on boarding or alighting from the transport, provided there is direct contact with it
  • Accidents occurring during the delivery or remoival of luggage directly from the vehicle