Accident insurance is part of the so-called personal insurance and its purpose is to provide compensation in case of accidents that cause the death or disability of the insured, as a result of activities provided for in the policy.
What type of coverage can be established in accident insurance?
- Accidental death of the insured. A capital is guaranteed to the legal heirs or beneficiaries designated in the policy.
- Permanent and total disability caused by accident. In cases of partial disability, the insured will be compensated according to the severity of the injury and based on the scale specified in the policy.
- Temporary disability. The insured is compensated with a daily pension during the days that the insured remains sick due to the accident.
- healthcare expenses required by the insured due to the accident, with the limits and conditions established in the policy.
What would not be covered by accident insurance?
Among other exclusions, accident insurance does not cover:
- Malicious acts committed by the insured.
- Participation of the insured in any illegal action.
- Accidents and injuries that occur in a state or under the influence of narcotics or other drugs.
- Accidents whose coverage corresponds to the Insurance Compensation Consortium in accordance with current legislation.
- Accidents that occur as a result of terrorist acts
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