Accident insurance
Personal accidents at home and at work can lead to death or disability and severely affect our family life.
Cover your family’s financial needs in the event of an accident at a very low cost.
Accident insurance covers personal injury, injury or death resulting from an accident (work-related or not) caused by a sudden, external, violent cause.
The price of the insurance depends on your occupation and the sporting activities you engage in, as well as the capital you wish to insure.
The insurance cover is available to you from the moment you take out the policy, without having to wait for the usual waiting period.
Tailored to your needs
What coverages are available with accident insurance?
- Death by accident
- If an accident leads to death, the surviving dependants will receive the compensation sum specified in the special insurance conditions.
If the same accident results in the death of the insured person and his/her spouse, the beneficiaries under the age of 18 will receive the same amount for death due to traffic accident – regardless of the compensation sum – with a maximum limit of EUR 300,500. Same amount for death in traffic accident with a maximum limit of EUR 300,500.
- If an accident leads to death, the surviving dependants will receive the compensation sum specified in the special insurance conditions.
- Permanent disability
- If permanent disability remains as a result of an accident and is confirmed after one year following the accident, the insurance pays the compensation sum agreed in the special insurance conditions.
- Total disability
- If the insured person suffers an accident covered by the policy that permanently impairs physical or mental capacity and requires the constant presence of a person to help with vital tasks (dressing, eating, getting around…), the lump sum for full disability agreed in the policy will be paid.
- Temporary disability
- If the accident causes a temporary disability that prevents the insured person from exercising the profession specified in the special insurance conditions and he/she is therefore undergoing medical treatment, the insurance will reimburse the agreed coverages from the beginning up to 365 days.
A waiting period of 0, 7, 15 or 30 days can be agreed for this insurance.
- If the accident causes a temporary disability that prevents the insured person from exercising the profession specified in the special insurance conditions and he/she is therefore undergoing medical treatment, the insurance will reimburse the agreed coverages from the beginning up to 365 days.
- Hospitalisation due to an accident
- If the insured person has to stay in hospital due to an insured accident, he/she will receive the agreed daily compensation sum (for a maximum of one year).
- Medical care
- In the event of an accident covered by the policy, the insurance guarantees payment of all medical care costs without limit within contracted centres.
For non-contracted centres, up to EUR 1,800.
- In the event of an accident covered by the policy, the insurance guarantees payment of all medical care costs without limit within contracted centres.
- Additional compensation payment in case of death due to traffic accident
- In case of death due to traffic accident, the beneficiary receives the single or double compensation amount.
In case of death due to accident caused by other means, depending on the agreement.
Traffic accidents of professional drivers are excluded.
- In case of death due to traffic accident, the beneficiary receives the single or double compensation amount.
- Additional compensation payment in the event of permanent disability in the event of a road accident
- If the insured person suffers permanent disability, he/she will also receive, depending on the agreement, the single or double compensation sum for permanent disability.
Traffic accidents of professional drivers are excluded.
- If the insured person suffers permanent disability, he/she will also receive, depending on the agreement, the single or double compensation sum for permanent disability.
- Death due to heart attack
- After a waiting period of one month and if agreed in the special insurance conditions, compensation is paid in the event of death of the insured person during the performance of his professional activities as a direct and exclusive consequence thereof.
- Options for concluding the contract
- 24-hour insurance cover:
Covers accidents occurring in both professional and private life. - Exclusively professional activities:
Covers only accidents that occur during the performance of the specified occupation. - Maximum age of admission at the conclusion of the contract:
64 years. - Exclusively for non-occupational activities:
Covers only accidents occurring in private life. - Exclusively for traffic accidents
Verkehrsunfälle, die sich als Privatperson oder beim Ausüben des Berufes Traffic accidents that occur as a private person or while exercising one’s profession.
- 24-hour insurance cover:
What can be considered an accident?
This type of insurance covers personal injuries that may be caused by an accident in the course of professional or non-professional activities.
What is considered an accident?
To be considered an accident, the following conditions must be met: there must be a violent, sudden, external and unintentional cause to the insured person. This cause must lead to an effect, either death or disability (temporary or permanent).
Therefore, this product is designed to provide coverage in case of death or disability if the cause is an accident. In addition to these coverages, accident insurance can be supplemented by daily hospital allowance, daily accident allowance or even nursing care.
Personal accidents in our private and professional lives can lead to death or disability and affect our family life. Cover your family’s financial needs in the event of an accident 24 hours a day, all year round, at a very low cost.
In 2020, around 505,528 accidents at work occurred in Spain. Of these, 88.3% occurred during the working day and 11.7% in the evening hours. 634 were fatal.
In Spain, accidents at work and occupational diseases are subject to a special regulation involving the employer and the institutions cooperating with social security, mainly the mutual accident insurance institutions.
Occupational accidents or diseases can lead to compensation and liability. It is very important to be well advised in this area.
Bohemia Mallorca attaches great importance to high quality, especially in the selection of insurance products. We work successfully with all renowned insurance companies in Spain: Travel insurance, legal protection insurance for the self-employed, bicycle insurance, car insurance, motorbike insurance, private health insurance or household insurance in Mallorca.
