What makes our accident insurance for self-employed workers different
Accident insurance for self-employed workers protects you if you suffer an accident anywhere in the world, when working or in your private life, whether you are driving a means of transport, are a passenger or a pedestrian. As a self-employed worker, you know that if this situation forces you to take sick leave, or if you suffer a serious injury resulting in permanent disability, you need support to mitigate the resulting financial loss.
Categories of accident insurance for the self-employed
Insurance without complications, with just the coverage you need, and a policy that is economical and easy to take out, focusing on providing compensation in the event of death or permanent disability.
Extended coverage with a full range of guarantees and benefits, to give you complete peace of mind and provide a service to make your life easier.
For business trips but also when you travel for pleasure, you will have extensive coverage in the event of any problem, hospitalisation, repatriation and cancellation expenses, and compensation in the event of disability or death due to an accident during a trip.
What our Accident insurance for the self-employed covers
The beneficiaries designated by the policyholder will receive compensation in the event of the insured person's death, based on the capital contracted.
They may receive an advance to cover expenses arising from the death, such as the funeral.
Compensation according to the seriousness of the consequences of the accident that led to disability, as established in the relevant scale.
You can subscribe to the daily sick leave guarantee or the real and effective sick leave guarantee and receive compensation for the period during which you are unable to continue your professional activity as a result of an illness or accident.
If you contract this guarantee and require hospitalisation, you will receive daily compensation from the first day of hospitalisation until you are discharged, up to a maximum of 365 days. You can also include additional capital for medical, pharmaceutical and hospitalisation expenses, as well as the cost of transport for subsequent treatment or rehabilitation.
Coverage designed to protect you when travelling for work or pleasure anywhere in the world further than 25 kilometres from your home (10 km if you live on the islands). It provides the following services:
- Medical transport or repatriation in the event of accident or illness. If you are travelling with children under 15 years old and are in one of these situations, we also cover travel for a person to accompany them until you return home.
- We pay or refund medical, surgical, pharmaceutical and hospitalisation expenses abroad, up to the limits specified in the policy.
- Repatriation in the event of death.
- Travel for a companion in the event of hospitalisation, wherever you are.
- Hotline for queries regarding coverage and medical attention in Spain and abroad.
You will have access to an extensive medical directory that includes more than 2,000 dentists nationwide, including several free services and discounts on treatments.
You will have healthcare with doctors and care centres throughout the country, offering special discounts and no waiting periods or limitations due to age or previous illnesses.
All types of treatments in specialised centres, such as thalassotherapy, thermalism, nutrition, myopia surgery, speech therapy, care for elderly people, etc., with exclusive discounts.
Summary of coverage available by category
Essential Accident |
Comprehensive Accident |
Accidents while travelling |
|
|---|---|---|---|
Death |
|||
| Accidental death | Included | Included | Included |
| Death due to heart attack | Not included | Included | Not included |
| Death due to stroke | Not included | Included | Not included |
| Death due to traffic accident | Not included | Included | Included |
Services included in our accident insurance for the self-employed
A doctor at your disposal 24 hours a day
We put you in contact with a professional by telephone or video call to answer any health-related query you may have.
- At any time of the day, wherever you are.
- Immediate attention, with no waiting lists.
A lawyer when you need one most
Resolve any legal matter that may arise in your private or family life.
- 24 hours a day, 365 days a year.
- No limit on consultations.
- Social Security administration procedures and claims for Social Security benefits.
FAQs
Work: you will be covered if you have an accident while working.
- Non-work: you will also be covered for accidents when you are not working.
- 24 hours: in any situation at any time of day.
- Travel: while you are travelling or staying at your destination.
- Road accidents: full cover for accidents as a passenger on public or private transport, or when driving a car or motor-cycle. And also if you suffer an accident as a pedestrian.
- Flying: if you fly, you will have assistance both during the flight and in transfers and boarding areas.
- Sports: whether you're a regular or an occasional player, you'll be covered just the same.
Normally, a life insurance policy, which covers the risk of death, can be perfectly complemented by an accident insurance policy, if, for example, you want extra coverage in the event of death or permanent disability as the result of an accident.
Yes, unless you do them as a professional. In the case of high-risk sports, a specific study will be required to determine the amount of the premium.
Your accident insurance provides you worldwide coverage, although some cover or benefits are only effective in Spain. Your Occident insurance adviser will provide you with all the information you need.