Accident insurance for the self-employed

Personal accident insurance

Q: Who is this insurance for?

Plus personal accident insurance is aimed at any person, with or without a family, especially self-employed professionals whose income depends directly on their capacity to perform their business activity.

Against any unforeseen event

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What does this insurance offer you?

Because at any given moment anyone can find themselves involved in an accident, we offer you the perfect solution to protect yourself from the unexpected. With Accidentes personales Pluswe guarantee not only the best assistance for you as a self-employed worker, but also the security and stability you want for your family.

Benefits of personal accident insurance for the self-employed

Your permanent protection

A quick and flexible solution thanks to its complete protection plan and with the sufficient financial support so that all you have to think about is your recovery.

Tailor-made

Accident insurence cover adapts to your circumstances and protects you while working, in your private life or 24 hours a day; you decide.

Protect your family's well-being

A capital sum in the event of death or permanent disability as a result of an accident, which will allow you to face unexpected payments or loss of income that, in the worst of situations, would cause you to have economic imbalances.

Broaden your protection

Medical care includes the possibility of including a capital sum, or taking it out without limitation in affiliated centres, a supplementary indemnity in the event of a traffic accident, or a daily allowance for temporary withdrawal of driving licence, among other covers.

Main coverage

Death due to accident

Our Personal accident insurance guarantees you compensation for the death of the insured party directly due to an accident.

In addition, the beneficiaries may receive an advance sum to cover the expenses arising from the death and, for example, the burial. The amount of this advance is indicated in the specific conditions of the policy.

Permanent disability due to accident

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.

Optional complementary guarantees

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.

Additional extensions

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.

Ways of taking out the insurance

24 hours

This modality protects you during any activity, in both your private and professional life, 24 hours a day, 365 days a year and anywhere around the world.

Occupational risk

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

FAQs

Who is this insurance for?

Plus personal accident insurance is aimed at any person, with or without a family, especially self-employed professionals whose income depends directly on their capacity to perform their business activity.

Why do I need Accident insurance?

This accident insurance guarantees an indemnity in the event of being involved in an accident that impedes you from functioning in a normal way, thus minimising the economic impact of said accident on your daily life.

Is there a Family accident insurance option?

Yes, we have a specific modality for any type of family: parents and children that live in the habitual residence, single-parent families or couples with no children. This insurance offers comprehensive protection for all members of the family unit.