ACCIDENT INSURANCE

Accident Insurance

helps you to moderate the financial consequences of an accident

Personal accident insurance in Spain is just as important as back home.
Two-thirds of all accidents occur out of the workplace, and most of them occur at home.

Accident insurance can help ensure financial stability for young people and their dependents in the event of an accident.

Advice

1 Step 1

Description

WHO is most likely to be affected by accidents?

Accident insurance is especially important for housewives, who lack any protection from the Spanish Social Security, since around 90% of all accidents occur at home. The Spanish Social Security system protects workers; however, benefits in the event of disablement are insufficient.

Cyclists and motorbike riders are particularly exposed in Spain. Jet-skiing, diving and mountain climbing also account for above-average rates of sports-related accidents.

In addition, senior citizens are often badly injured after falling down.

WHAT does the accident insurance cover?

For all the above reasons, an accident insurance policy becomes a vital protection against costs that add up after an accident injury, including more intensive care, medical exams, transportation, etc. Accident insurance for children is equally important as they may need expensive care for the rest of their lives.

WHAT are the definitions of an incapacity?

Incapacity is defined as a permanent or absolute disablement of the whole body or parts of it.

Permanent incapacity:
It is defined as being unable to work at your normal occupation but able to do some other kind of work.

Absolute incapacity
Permanent total loss of working capacity to perform any kind of work.

WHY is an accident cover so useful?

Permanent or absolute incapacity
Temporary loss of working capacity after an accident injury
Death following an accident

HOW to find a suitable cover?

If you decide to sign an accident insurance in Spain, the most important aspect is to ensure the sums insured are actually sufficient to face expenses arising from an accident. Low premiums may easily lead to policies which do not really help much when help is needed most.
When assessing the capital which may be required in the event of incapacity, the following should be considered:

What costs arise just once in order to rebuild the home and buy aids.
What permanent costs need to be covered to compensate for the loss of income, have yourself assisted or have your children looked after.

As a rule of thumb, the sum insured should provide three times the insured’s annual income.

Services

Permanent or absolute incapacity
temporary disability (caused by accident)
Accident resulting in death

SERVICE +

, more than just standard

At Iberia insurance brokers customers receive an Iberia Service+. But what does that mean? It’s very simple, our customers are worth a lot to us, and so we want to offer our customers more service through the standard insurance service. Service for which no one of our customers has to pay extra or has to conclude an extra contract – just our service for you.

Selection of insurance from more than 10 different insurance companies
24/7 hotline – free – Spain wide
personal consultation for the customer on spot
Cost-benefit analysis of the pension schemes with optimization suggestions
Advice in your language

+34 971 69 90 96

Advice

1 Step 1

Call back

1 Step 1

Description

WHO is most likely to be affected by accidents?

Accident insurance is especially important for housewives, who lack any protection from the Spanish Social Security, since around 90% of all accidents occur at home. The Spanish Social Security system protects workers; however, benefits in the event of disablement are insufficient.

Cyclists and motorbike riders are particularly exposed in Spain. Jet-skiing, diving and mountain climbing also account for above-average rates of sports-related accidents.

In addition, senior citizens are often badly injured after falling down.

WHAT does the accident insurance cover?

For all the above reasons, an accident insurance policy becomes a vital protection against costs that add up after an accident injury, including more intensive care, medical exams, transportation, etc. Accident insurance for children is equally important as they may need expensive care for the rest of their lives.

WHAT are the definitions of an incapacity?

Incapacity is defined as a permanent or absolute disablement of the whole body or parts of it.

Permanent incapacity:
It is defined as being unable to work at your normal occupation but able to do some other kind of work.

Absolute incapacity
Permanent total loss of working capacity to perform any kind of work.

WHY is an accident cover so useful?

Permanent or absolute incapacity
Temporary loss of working capacity after an accident injury
Death following an accident

HOW to find a suitable cover?

If you decide to sign an accident insurance in Spain, the most important aspect is to ensure the sums insured are actually sufficient to face expenses arising from an accident. Low premiums may easily lead to policies which do not really help much when help is needed most.
When assessing the capital which may be required in the event of incapacity, the following should be considered:

What costs arise just once in order to rebuild the home and buy aids.
What permanent costs need to be covered to compensate for the loss of income, have yourself assisted or have your children looked after.

As a rule of thumb, the sum insured should provide three times the insured’s annual income.

Services

Permanent or absolute incapacity
temporary disability (caused by accident)
Accident resulting in death

SERVICE +

, more than just standard

At Iberia insurance brokers customers receive an Iberia Service+. But what does that mean? It’s very simple, our customers are worth a lot to us, and so we want to offer our customers more service through the standard insurance service. Service for which no one of our customers has to pay extra or has to conclude an extra contract – just our service for you.

Selection of insurance from more than 10 different insurance companies
24/7 hotline – free – Spain wide
personal consultation for the customer on spot
Cost-benefit analysis of the pension schemes with optimization suggestions
Advice in your language

Personal accident insurance in Spain is just as important as back home.
Two-thirds of all accidents occur out of the workplace, and most of them occur at home.

Accident insurance can help ensure financial stability for young people and their dependents in the event of an accident.

Get the best policies and rates here.

Iberia Insurance Broker reviews your existing insurance policies and provides you with comparative offers from various insurers including Allianz, Liberty, Zurich, DKV, and many more. With our headquarters in Mallorca and specialists throughout Spain, we are always on hand to offer you advice that saves you money.

We speak your language:
+34 971 69 90 96 - Telephone
+34 900 525 890 - free hotline 24/7
info@iberiainsurancebrokers.co.uk