• Collective Personal Accident is an insurance policy for employees that provides financial support in the event of an accident resulting in death, loss of a limb or the loss of the functionality of some of their organs.
  • Adds protection to other insurances
  • It is a perk that encourages employee loyalty as it is an additional benefit.
  • Provides coverage to the insured and/or personnel in the service of the contracting party who belong to the same group.

  • employees of the same company/contractor
  • Number of insureds: minimum 10, maximum: no limit.

Accidental death coverage

If as a consequence of a covered accident, the insured dies within 90 (ninety days) following the date thereof, the company shall pay to the designated beneficiaries, or in the absence thereof to the legal heirs of the insured, the amount of the sum insured contracted for this coverage.

This coverage applies to insureds with a minimum age of 12 years old and a maximum age of 69 years old.

  • If, as a consequence of an accident covered, medical attention is required within 10 (days) following the occurrence of the accident, the company will reimburse the expenses up to the sum insured for this coverage.
  • They will be paid for a maximum period of 365 days counted from the date of the accident without exceeding in any case the sum insured contracted for this coverage.

  • Dental prosthesis appliances or any other type of orthodontic treatment: maximum 15% (fifteen percent) of the sum insured contracted under this coverage.
  • Emergency ambulance: maximum 5% (five percent) of the sum insured contracted under this coverage.

Daily Disability Indemnity

Temporary Total Incapacity:If as a direct consequence of an accident and independently of any other causes, the insured, within the first 10 days following the date of the accident, suffers incapacity for the performance of all the daily work of his occupation and is confined by medical indication in a sanatorium or hospital or at his home, the company shall pay, while the incapacity and confinement subsist, the daily indemnity stipulated in the individual certificate for a period not to exceed 1,460 days.

Temporary Partial Incapacity:If within 10 days following the date of the accident or immediately after a period of total disability covered under the preceding paragraph of this coverage, the injuries sustained by the Insured Party cause directly and independently of any other causes, an inability to perform one or more daily duties typical of his occupation, the company shall pay during the period of such disability, 40% of the indemnity contracted for temporary total disability, but without exceeding the payment period of 182 consecutive days, counted from the date of the accident or immediately after a period of total disability covered.

If while the insured is enjoying the daily indemnity for total or partial disability and as a direct consequence of the accident death or organic loss occurs, the company will pay the insured sums contracted for the death or organic loss.

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