Description of services
Description of services

ACCIDENTAL DEATH

In the case of death by accident, cover extends to:

  • The insured sum.
  • Immediate availability of an advance sum of up to 1,800 euros to cover burial expenses.
  • Automatic insurance of the spouse of the deceased for the same amount until the next annual expiry date of the insurance, and if he/she also figures as insured in the same accident policy, the amount guaranteed would be the sum of the two during this period of time.

 

PERMANENT ACCIDENTAL DISABILITY

In the case of accident, compensation will be paid according to the following cases of permanent disability:

Total

An irreversible physical situation or severe mental disorder of the insured person, rendering him/her totally unable to carry out any employment. In the case of total and permanent disability, the sum insured will be paid in full.

Partial

An irreversible physical situation or severe mental disorder of the insured person, rendering him/her partly unable to carry out any employment. The degree of disability will be determined in percentages.


FORMS OF INSURANCE

Cover for total or partial permanent disability can be subscribed in one of the following forms:

  • Proportional compensation.
    The compensation will be the result of applying the percentage corresponding to the degree of total or partial disability according to scale.
  • Progressive compensation (225% or 350%).

 

* The compensation will be the result of applying the percentages established in the accompanying table to the amount agreed for permanent disability, according to the degree of disability obtained.

* This form of progressive compensation will not apply to people over 65 or to accidents covered by the Insurance Compensation Consortium.

Degree disability %

Percentages applicable to the basic insured amount

Progressive 225%

Progressive 350%

0 to 25

No change

No change

26 to 30

35

40

31 to 35

45

55

36 to 40

55

70

41 to 45

65

85

46 to 50

75

100

51 to 55

90

125

56 to 60

105

150

61 to 65

120

175

 66 to 70

135

200

71 to 75

150

225

76 to 80

165

250

81 to 85

180

275

86 to 90

195

300

91 to 95

210

325

96 to 100

225

350

 

SPECIAL AND COMPLEMENTARY RISKS

Cover of risks arising from certain sports can be subscribed, as well as the complementary risks of:

  • Double indemnity for traffic accidents.
  • Double indemnity in the case of an accident abroad.
  • Study grants for children under 21.

 

CLAIMING FOR ACCIDENTS

In the event of an accident, it must be reported within a maximum of 7 days.

The following rules for claiming will apply:

Accidental death

The policy holder or beneficiary, if applicable, must submit the following documents:

  • Certificate from the doctor who attended the insured person describing the circumstances and causes of death.
  • Death certificate from the Registre Civil (Civil Registry).
  • Documents identifying the beneficiary.
  • Letter of exemption of Inheritance Tax or of payment, if applicable.

 

Permanent accidental disability

  • In the event of an accident covered by this contract, the insured person must provide a medical certificate of disability.
  • Assistència Sanitària, in keeping with Article 104 of the Law of Insurance Contracts, will determine the degree of disability in the light of the medical certificate supplied and will notify the insured person in writing of the amount of the corresponding compensation.

 

EXCLUSIONS

The following are not covered:

  • Accidents caused as a result of fainting, syncope, epileptic attacks and their consequences as well as hernias and strain in general.
  • Purely psychological consequences.
  • Heart attacks.
  • People under 14 and over 70.

 

The following are also excluded, unless expressly included:

  • Accidents arising from driving motorcycles over 50 cc capacity and from adventure sports in general.
PRIVATE AREA

DO YOU WANT MORE INFORMATION TO TAKE OUT INSURANCE?