PARTICULARES

Personal Accident Insurance

Personal Accident insurance provides financial protection and medical support in the event of an accident, whether at work, at home or during leisure. It covers situations such as permanent disability, temporary incapacity or death, as well as medical expenses, hospitalisation, funeral costs and hospital stay allowances.

Benefits

Discover the benefits for you and your family with our specialist advice.

Compensation for accidental disability or death

Financial protection for you and your family.

Contribution towards medical expenses

Treatment and hospitalisation arising from an accident.

24-hour cover

In Portugal and abroad.

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Tax ID (NIF/NIPC)

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Notes

Personal Data Protection

Verspieren Portugal Corretores de Seguros, S.A., as data controller, collects the personal data contained in this form for the purposes of analysing the user's/client's needs, obtaining quotes from insurers, and preparing insurance simulations and proposals. The data may be shared with insurers and other entities strictly necessary to obtain the requested simulations and proposals. The data will be kept only for the period necessary for the purposes stated above or to comply with legal obligations. The data subject may exercise their rights of access, rectification, erasure, restriction of processing, objection and portability, by contacting: [email protected]. For more information, see our Privacy Policy.

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Any questions?

FAQ

Clear answers about the covers that protect you and your family, including key information, practical guidance and support to help you navigate your insurance choices.

What is Personal Accident insurance?

Personal Accident insurance guarantees the payment of compensation in the event of death, permanent disability or temporary incapacity resulting from an accident, whether inside or outside a professional context.

It can be taken out individually or for groups, and is often complementary to other health or life cover.

How does it differ from workers' compensation insurance?

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.

Does it cover sports activities?

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.

What benefits are provided for in the event of an accident?

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.

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