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What’s covered by the main insurance policies?

Each insurance policy comes with specific coverages to protect different aspects of your life and wealth. Below is a rundown of the main coverages included in the most common insurance policies.

Health insurance helps pay for the insured person’s medical and health expenses. Coverage will vary from one type of insurance to the next, as there is no one-size-fits all product. The most sought-after coverages include:

  • Medical consultations with specialists

  • Diagnostic tests and clinical analysis 

  • Surgeries and hospitalisation 

  • Physiotherapy and rehabilitation 

  • 24-hour medical emergencies 

  • Reimbursement of pharmacy expenses

  • Health care abroad

  • Second medical opinion

Home insurance protects your home and belongings from a number of potential risks. It mainly covers:

  • Damage caused by fires, explosions, lightning 

  • Water damage (burst pipes, flooding) 

  • Theft and robbery of household contents 

  • Family civil liability insurance 

  • Electrical damage to household appliances 

  • Weather (hail, wind, snow)

Car insurance protects the vehicle itself as well as its occupants and third parties. Coverage depends on the product taken out, with the most common including:

  • Compulsory civil liability insurance 

  • Damage to the vehicle itself 

  • Car theft and fire 

  • Windows and glass 

  • Roadside assistance 

  • Legal defence 

  • Courtesy car

Death insurance covers the costs associated with the death of the insured party. It mainly covers:

  • Burial and funeral expenses 

  • Funeral planner

  • Legal assistance

  • Psychological support

  • National and international repatriation of the deceased’s remains 

  • Drawing up of the will

Pet insurance covers the obligatory civil liability for damages in accordance with the Animal Welfare Law, whereas comprehensive pet insurance covers your pet’s health. The most common coverages include:

  • Civil liability for damages caused by your pet 

  • Vet care

  • Death due to accident or illness 

  • Rabies vaccination

  • Pet theft

  • 24-hour veterinary emergencies

Travel insurance protects you when travelling outside your usual place of residence. Coverage depends on the type chosen, but it most often covers:

  • Medical expenses abroad 

  • Medical repatriation 

  • Trip cancellation 

  • Luggage loss or delay 

  • Civil liability while travelling 

  • Expenses incurred due to an extended stay 

  • Legal assistance abroad

What coverages should be taken out?

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When taking out insurance, it’s important to bear in mind that, the more coverages included, the greater protection you’ll have. All insurance policies come with basic or set coverages, although additional coverages can be added for greater protection depending on your specific needs.

Basic coverages are those deemed essential for each type of insurance policy. For example, civil liability is legally required in car insurance, whereas home insurance typically provides coverage in the event of a fire.

However, additional coverages are optional and let you personalise your policy. Although these additional coverages offer more comprehensive protection, the insurance premium is higher. Examples include comprehensive coverage in car insurance and valuables coverage in home insurance.

When it comes to deciding which additional coverages to add, we recommend looking at your own personal circumstances, the value of the property you wish to insure, as well as your financial situation. Having the right coverage should an event occur will allow you to deal with the damages without leading to considerable financial loss.

Remember you can always discuss this with a SegurCaixa Adeslas insurance agent to help you choose the coverages best suited to your profile and specific circumstances.

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