Individual Accident Insurance
Who among us can claim to be safe from an accident? A sudden fall at work, an assault in the street, a traffic accident ... These are some of the situations that are so dreaded and from which no one is safe.
These events - and many others - can result in more or less serious damage, not only to the health of the individual but also to his finances: hospitalization, purchase of drugs, sick leave, disability, etc. In short, costly and above all unforeseen expenses.
So, how to preserve your health and how to compensate at all costs?
The "individual accident" insurance contract is the best answer.
What is Personal Accident Insurance?
Is it an obligation? What would I benefit from?
What are the risks covered by this insurance?
What are the limits of the guarantees offered?
How to take out this insurance? What information to provide?
What should be done in the event of a claim?
What precautions should be taken to prevent a loss from occurring or to limit the consequences?
I. What is Personal Accident Insurance?
It is an insurance contract included in personal insurance. It is taken out by the insured for his personal account or that of his family to compensate, as far as possible, for the financial consequences that an accident (of which he would be the victim) could have on him and his family.
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II. Is it an obligation? What would I benefit from?
Personal accident insurance is not compulsory insurance. It is a provident insurance contract which aims to guarantee the payment of indemnities to the insured or to his beneficiaries, in the event that the latter is the victim of a bodily accident, both during his professional life and apart from it.
The services that can be provided under this contract correspond to the different situations in which the insured may find himself, following an accident, namely:
1. In the event of death [1]:
A capital will be paid to the designated beneficiaries, failing which, to the beneficiaries.
2. In the event of permanent disability (total or partial):
The invalidity in this case must be final [2]. In both cases, it is the insured who will receive the indemnity, paid in the form of lump sum, the rate of which is equivalent to that of the infirmity.
3. In the event of temporary incapacity for work (ITT):
Following an accident, the insured may be called upon to temporarily interrupt his work and be deprived of any earnings during this period. In this case, the insurer pays the insured the stipulated daily allowance, until his reinstatement (without exceeding 365 days).
If the insured does not exercise any profession, the allowance is paid in full for the time he is obliged to keep the room.
4. Medical, pharmaceutical and hospitalization costs:
Following a covered accident, medical and pharmaceutical costs and fees are fully reimbursed, but within the limits set in the special conditions.
The reimbursement of medical, pharmaceutical and hospital costs under this contract cannot be combined with that provided by social security. In other words, the reimbursement of these costs will only supplement any sums paid by social security [3].
Important:
The victim and his dependents, retain their right of recourse against the responsible third party (s) [4] except with regard to medical, pharmaceutical and hospitalization costs, because they are covered by the insurer. .
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