Frequently asked questions

Yes. Most plans apply waiting periods, shorter for consultations and tests and longer for hospitalisation, surgery and childbirth. During that period the cover cannot yet be used.

Before you take out cover, we explain exactly which waiting periods apply to each benefit in the plan under consideration.

Conditions that already exist at the time cover is taken out are, as a rule, excluded. Some insurers allow them to be included subject to an individual clinical assessment and specific conditions.

Our team helps prepare the initial health declaration, which is the document where this question is decided.

In most plans, yes, through the reimbursement scheme: you pay for the consultation or test and then receive the reimbursement set out in the policy, usually lower than within the contracted network.

We compare with you the balance between network and reimbursement cover in each plan, because that is where plans differ most.

Compulsory insurance covers only the risk of fire to the structure of the property. Multi-risk cover adds water damage, natural events, theft, liability and the contents of the home.

We help you understand which risks are left out of the compulsory minimum in your case.

The sum insured for the building should reflect the rebuilding cost rather than the market value, and the sum insured for contents should reflect their replacement cost. A sum insured that is out of step can lead to proportional reductions in compensation.

We carry out this review with you, because it is the most common error in the policies we analyse.

The condominium insures the common areas and each owner insures their own unit. In practice there are frequent overlaps and gaps between the two policies.

We review both together to ensure there are no uncovered areas or duplicate premiums.

Personal accident insurance covers the person in any circumstance of life, inside and outside working hours. Workers' compensation is compulsory and covers only accidents occurring while at work or commuting.

They are complementary, not alternative, covers, and we explain where one ends and the other begins.

Non-federated sports activity is usually covered. Competitive disciplines and sports considered high-risk almost always need to be expressly mentioned in the policy.

If you practise a specific sport, we check beforehand whether it is included or requires an extension of cover.

Depending on the cover taken out, this may include payment of treatment expenses, a lump sum for permanent disability, a daily allowance for hospitalisation and a lump sum in the event of death.

We size the sums insured with you according to your family and professional situation.

Risk life insurance pays out a sum in the event of death or disability during the term of the contract and has no surrender value. Capitalisation products add a savings component to the cover, which can be surrendered.

We clarify which of these two approaches matches the goal you have in mind, because they are different products with different purposes.

Yes. The insurance required by the bank does not have to be taken out with that institution, and can be replaced by another policy with equivalent or better cover.

We review the policy in force and present alternatives with the same cover, indicating what is needed for the transfer.

It depends on the sum insured and your age. Lower sums insured are usually resolved with a health declaration; above certain limits the insurer requests additional tests.

We tell you in advance what each insurer requires, so you know what to expect before going ahead.

Liability cover is compulsory for dogs considered potentially dangerous, under the applicable legislation. For other animals, taking out cover is voluntary.

We check whether your animal's breed is covered by the legal obligation.

Veterinary expenses are an optional cover, with an annual limit and an excess set out in the policy. Not all plans include it by default.

We compare the limits and exclusions between plans, which is where these products vary the most.

Most insurers set a minimum and a maximum age for taking out cover, and some maintain cover beyond that age provided the policy was taken out before it was reached.

We check the limits set by each insurer before going ahead.

Yes. Transferring liability for workplace accidents to an insurer is a legal obligation for employers in respect of all their workers.

We confirm that your policy actually covers all staff, including situations that are often overlooked.

Self-employed workers also need to ensure cover for the risk of workplace accidents, through a policy suited to their situation.

We indicate the option applicable to your type of activity.

Besides compensation for temporary incapacity, it covers medical and surgical care, medication, hospitalisation, transport and rehabilitation arising from the accident, as well as pensions in the event of permanent incapacity.

We follow up the process with the insurer from the initial report through to discharge.

Only through business interruption cover, which compensates for the loss of income during the period needed to restore activity. It is not included by default in property damage policies.

We size that cover based on your actual operating figures.

They can be insured at replacement value as new or at current value, with very different consequences for the compensation paid. The choice must be stated explicitly in the policy.

We review the inventory and the valuation basis, which rarely keep pace with the equipment stock over the years.

Stock is a separate sum insured within the policy and should reflect actual stock levels, which vary throughout the year.

We help set sums insured that accommodate seasonal peaks without a permanent extra cost.

Buildings, improvements, office and IT equipment, furniture, stock and third-party goods in your care can all be included, each with its own sum insured.

We help draw up that inventory, which is the basis of the whole policy.

Water damage and natural events are standard covers under multi-risk insurance, but with their own excesses and exclusions that vary between insurers.

We compare these conditions in detail, because this is where policies vary the most.

Yes. Even without new acquisitions, rebuilding and replacement costs change, and a sum insured that was adequate a few years ago may now translate into insufficient compensation.

We carry out this review periodically with our clients.

The process begins with a detailed assessment of the client's needs and risk profile. Based on this analysis, the Verspieren team compares proposals from several partner insurers and recommends the solution with the best balance of cover, service and cost.

Once the policy is in place, we continue to monitor it, helping with claims management and proposing adjustments whenever the client's situation changes.

You can contact us through the Contact page on the website, by phone or by email, listed in Verspieren's general contact details. Our team responds as quickly as possible to any question about policies, claims or new insurance solutions.

Vehicles are added and removed by notifying the insurer, taking effect on the agreed date, with no need to redraft the contract. The premium is then adjusted according to the changes made during the period.

We monitor these changes for you, so that no vehicle is ever on the road without cover, and no premium is paid for vehicles that have already been disposed of.

Yes. Passenger cars, commercial vehicles, heavy goods vehicles and industrial machinery can all sit on the same policy, although with different conditions and premiums depending on how each one is used.

We help structure the fleet by type of use, which is what matters most in the risk assessment.

The claim is reported and settled under the fleet policy, without the driver having to handle the process individually. The fleet's claims history is then taken into account at the next renewal.

We follow up the process with the insurer and keep the company informed until it is closed.

In group plans with a sufficient number of members, the individual questionnaire is often waived, one of the main advantages compared with individual cover. Below that threshold the insurer may require it.

We check with each insurer the waiver conditions that apply to the size of your company.

Cover ends when the employee leaves, on the date set out in the policy conditions. Some contracts allow continuation on an individual basis, preserving seniority and waiving new waiting periods.

We check whether this continuation exists in the plan under consideration, because not all plans provide for it.

As a rule, yes, because the risk is spread across a larger number of people and administrative costs are lower. The difference depends mainly on the size and age structure of the group.

We prepare a comparison with real figures for your specific case before any decision is made.

It can be a flat sum insured or one linked to each employee's pay, for example a multiple of their annual salary. Both structures are common.

We help choose the structure, which has a direct impact on the premium and on how the benefit is perceived.

No. The contract is taken out with the company, and the people covered are updated periodically by reporting changes, with no need for a new contract.

We take care of this update for you, making sure no employee is left uncovered.

From a certain number of members onwards, it is common to have a sum insured accepted with no medical formalities, with the questionnaire applying only above that limit.

We check with insurers the limit that applies to the size of your company.