Accident Insurance

  Personal Protection

The most complete Accident Insurance.

We tend to think that an accident is something that is not going to happen to us. This is the way we try to avoid feeling anxious about the idea and its consequences. But, in spite of that, the reality is that we are exposed to suffering an accident at any time.

It is evident that the most positive attitude is to try to avoid as much as possible the repercussions which such an accident might have on our family finances.

WHAT DOES PERSONAL PROTECTION INSURANCE OFFER YOU?

Personal Protection Insurance offers you the possibility of putting together a plan for yourself which is best adapted to your needs and circumstances.

To do that, you have at your disposal certain BASIC guarantees which are of a minimal or obligatory nature and a good number of others of an optionial nature (OPTIONAL guarantees) from which you can choose the ones you wish.

1. INDEMNIFICATION FOR THE DEATH OF THE INSURED PERSON DUE TO ACCIDENT

The Insured Person’s beneficiaries will receive the sum which is insured for if, as a consequence of an accident covered by this guarantee, the death of the Insured Person occurs immediately after or within a period of five years starting from the date of the accident.

If the death occurs as a consequence of a holdup or any type of aggression, covered by this insurance policy, the guarantee will increase by 20% with a limit of 3,000,000 Ptas. for the total of the increase.

Furthermore, in case of the death of the Insured Person and his or her spouse, as a result of the same accident, if there exist under-age children as beneficiaries, and only with regard to them, the insurance will pay an additional sum equal to that promised by this guarantee.

2. INDEMNIFICATION FOR PERMANENT DISABLEMENT OF THE INSURED PERSON DUE TO ACCIDENT

The Insured Person will receive the stipulated amount for this guarantee when he or she suffers a bodily loss or a functional loss of use of limbs and/or organs as a consequence of an accident covered by this policy, which causes disablement immediately following or within a period of five years starting from the date of the accident. If the disablement is produced as a consequence of a holdup or any type of aggression, covered by this insurance policy, the guarantee will increase by 20% with a limit of 3,000,000 Ptas. for the total of the increase.

Along with this guarantee, it is possible to sign up for Progressive Disablement insurance which would mean an increase in the indemnification on the insured capital for this coverage.

3. PERSONAL TRAVEL ASSISTANCE

This guarantee protects the Insured Person, his or her ascendants provided that they are living together as well as his or her dependants provided that they are economically dependent on the Insured Person, outside a radius of 30 km from the habitual residence (15 km in the Balearic and Canary Islands), and in the rest of the world.

This guarantee includes:

• Repatriation or medical transport of the injured or the ill by special medical airplane, regular airline, train, boat or ambulance.
• Repatriation or transport of the members of the family.
• Payment of expenses for the anticipated return trip due to death.
• Journey and stay of a family companion along with the hospitalized Insured Person.
• Repatriation or transport of the deceased Insured Person.
• Payment of reimbursement of medical, surgical, pharmaceutical and hospitalization expenses due to illness or acccident abroad.
• Reimbursement of hotel expenses while immobilized due to illness or accident according to medical prescription.
• Assistance in localizing and sending luggage, in case of delay or loss of the aforementioned.

4. REIMBURSEMENT OF EXPENSES FOR MEDICAL-SURGICAL-PHARMACEUTICAL ASSISTANCE IN CASE OF ACCIDENT

This coverage guarantees the payment of expenses for medical assistance, ambulance or first transfer, internment in nursing home and physical rehabilitation, whenever the above results from an accident covered by the policy, up to the maximum of the capital insured for. COMMERCIAL UNION will take care of these expenses for a maximum of five years starting from the time of the accident.

5. DAILY INDEMNIFICATION FOR TEMPORARY DISABLEMENT AS A CONSEQUENCE OF AN ACCIDENT

Through this coverage the Insured Person receives the pre-planned daily indemnification that is stipulated for a maximum period of 365 days counting from the first day of medical treatment, in the following cases:

• When the person habitually practices a manual profession, the aforementioned indemnification will be paid in its entirety while the Temporary Disablement impedes the person from dedicating himself or herself habitually to his or her work.
• When the insured person practices a liberal profession, in vigilance or management, or if he or she has a particular profession, the aformentioned daily indemnification will be paid while the temporary disablement impedes him or her from leaving his or her domicile.
• Said indemnification will be reduced to half as soon as the person is able to devote himself or herself partially to his occupations or leave his or her domicile.
• The daily indemnification is compatible with any other payment which might correspond to the Insured Person or to those also covered under his or her policy due to permanent disablement or death.

6. DAILY INDEMNIFICATION FOR HOSPITILIZATION DUE TO ACCIDENT

The Insured Person will receive the daily indemnification that is stipulated when as a consequence of an accident covered by the policy he or she must necessarily be interned in a hospital for adequate treatment.

The Indemnification will be paid during the time that the Insured Person stays interned with a maximum of 90 days, and it will begin to be paid following an exemption period of 3 days.

When surgical intervention takes place, the exemption period will not be applied.

7. DAILY INDEMNIFICATION OF HOSPITILIZATION DUE TO ILLNESS

With this coverage the Insured Person will receive the daily indemnification that is stipulated when, as a consequence of illness covered by this guarantee, he or she must necessarily be interned in a hospital for adequate treatment.
The indemnification will be paid during the time that the Insured Person stays interned with a maximum of 90 days, and it will begin to be paid following an exemption period of 3 days.
When surgical intervention takes place, the exemption period will not be applied.

8. INDEMNIFICATION FOR SURGICAL INTERVENTION DUE TO ACCIDENT AND ILLNESS

The Insured Person will receive the part of the insured sum that is stipulated, which corresponds to the type of surgical intervention, if as a consequence of accident or illness covered by this guarantee it becomes necessary to submit the Insured Person to surgical intervention.

WHAT IS THE COST OF OUR PERSONAL PROTECTION INSURANCE?

By way of example, we will show you 3 possible options for several other Groups of professionals.

1. 10 million in case of death and 28 million in case of permanent disablement.
2. 5 million in case of death and 14 in case of permanent disablement.
3. million in case of death and 10.5 in case of permanent disablement. In all three cases the Personal Travel Assistance is included.