SegurCaixa Accidentes Pymes

It is a product designed for the self-employed and businessmen who require a collective insurance that allows them to protect themselves and their employees, partners, administrative staff and collaborators in both their private and professional lives.

It provides protection in the event of an accident taking place anywhere in the world and effective protection by paying the insured party an indemnity in the event of suffering an incapacity or severe disability, as well as an insured sum to their beneficiaries in the event of accidental death.

• Discount for number of insured parties (up to at most 20%).

• Flexible payment method: monthly, quarterly, half-yearly or annual payments.

• Immediate subscription with simple formalities.

• No need for a medical examination or a health questionnaire.

• Insurance premium is constant and independent of the insured parties' age.

• Coverage for insured parties up to 70 years of age.

• A supplementary insurance that is compatible with insured parties' car, funeral and life insurance policies.

The product allows for two different subscription options depending on the existing relationship between the policy's policyholder and the insured parties:

Option without pension undertakings: When the insured parties do not have an employment relationship with the policyholder (partners, administrators and collaborators).

Option with pension undertakings: When the insured parties are the policyholder's employees.

Option without pension undertakings:

• Minimum: €3,000

• Maximum: €300,000

Option with pension undertakings:

• Minimum: €10,000

• Maximum: €1,000,000

Death

• Accidents (Compulsory)

• Traffic accidents (Optional)

Severe disability

• Accidents (Optional)

• Traffic accidents (Optional) 

Total permanent incapacity

• Accidents (Optional)

• Traffic accidents (Optional)

Partial permanent incapacity

• Accidents (Optional, benefit according to scale)

Total permanent incapacity

• Accidents (Optional)

• Traffic accidents (Optional) 

Temporary incapacity

• Accidents (according to scale with daily insured sum that can be chosen from among €25, €50, €75 and €100 per day of sick leave)

Healthcare expenses

• Accidents (up to €6,000)

Death

• Accidents (Compulsory*)

• Traffic accidents (Optional)

• Occupational accidents (Compulsory*)

• *One of the two is compulsory

Severe disability

• Accidents (Compulsory)

• Traffic accidents (Optional)

• Occupational accidents (Optional)

Total permanent incapacity

• Accidents (Optional)

• Traffic accidents (Optional) 

• Occupational accidents (Optional)

Partial permanent incapacity

• Accidents (Optional, benefits according to scale)

Total permanent incapacity

• Accidents (Optional)

• Traffic accidents (Optional)

• Occupational accidents (Optional)

Healthcare expenses

• Accidents (up to €6,000)