SegurCaixa ACCIDENTES PYMES

• This product is designed for self-employed workers and employers that require a collective insurance policy that allows them to protect themselves and their employees, partners, clerical staff and collaborators, both in the private and professional area.
• This insurance policy provides protection in the event of an accident in any part of the world and provides effective protection through an indemnity payment to the insured party in the event of disability or severe disability and of a capital payment to its beneficiaries in the event of accidental death.
• Discount per number of insured parties (up to a maximum of 20%).
• Flexible payment methods: monthly, quarterly, half-yearly or annually.
• Immediate arrangement with easy procedures.
• Without the need to have a medical check-up or fill out health questionnaires.
• Constant insurance instalment payments regardless of the age of the insured parties.
• Coverage of insured parties up to 70 years of age.
• A complementary insurance policy compatible with car, death and life insurance policies of the insured parties.

The product enables two different policy schemes, based on the relationship existing between the policyholder and the insured parties:

• Scheme excluding pension commitments: When the insured parties do not have an employment relationship with the policyholder (partners, directors and collaborators).
• Scheme including pension commitments: When the insured parties are employees of the policyholder.

Scheme excluding pension commitments:

• Minimum: €3,000
• Maximum: €300,000

Scheme including pension commitments:

• Minimum: €10,000
• Maximum: €1,000,000

Scheme excluding pension commitments

Death:

• Accident: Obligatory
• Road traffic accident: Optional

Severe disability:

• Accident: Optional
• Road traffic accident: Optional

Absolute and permanent disability:

• Accident: Optional
• Road traffic accident: Optional

Partial permanent disability:

• Accident: Optional (service according to scale)

Total permanent disability:

• Accident: Optional
• Road traffic accident: Optional

Temporary disability:

• Accident: according to the scale, with a selectionable daily capital of €25, €50, €75 and €100 per day off work

Healthcare assistance expenses:

• Accident: up to €6,000

Scheme including pension commitments

Death:

• Accident: Obligatory*
• Road traffic accident: Optional
• Occupational accident: Obligatory*

Severe disability:

• Accident: Optional
• Road traffic accident: Optional
• Occupational accident: Optional

Absolute and permanent disability:

• Accident: Optional
• Road traffic accident: Optional
• Occupational accident: Optional

Partial permanent disability:

• Accident: Optional (service according to scale)

Total permanent disability:

• Accident: Optional
• Road traffic accident: Optional
• Occupational accident: Optional

Healthcare assistance expenses:

• Accident: up to €6,000

*One of these two coverages is obligatory.

There are no qualifying periods.