Personal accidents: what insurance is recommended?

Our profession, our hobbies and our routine can help us choose insurance that protects us and our family from unexpected events. Find out in this article which personal accident insurance policy is best for you.

When you go to buy clothes or shoes, choose these clothing items according to your taste and size, right? Now, to take out personal accident insurance, you need to follow the same logic. In other words, choose the one that best suits you (your lifestyle, your family situation and your needs).

There are personal accident insurances on the market for different lifestyles. Below we show you some of these offers, using the protection solutions provided by Generali Tranquilidade as an example.

Which personal accident insurance is best for me?

Protection for all generations

Personal Accident Insurance – Family General Peace of mind it guarantees protection to all members of the family unit, from the youngest to the oldest and also offers a discount of up to 10% on the commercial premium depending on the number of people insured.

In this insurance the coverage is adapted to each stage of life. For example, up to 24 yearsAP Família provides school support, compensation for damages, medical care at home or at school and a pediatric advice line. If the parents are sick, it also insures babysitter and transportation to school or extracurricular activities.

For family members between 25 and 64 yearsAP Família offers extra protection for everyday unexpected events – in the event of an accident at work or in your free time. This insurance provides payment in case of death, permanent disability and reimbursement of medical expenses and a daily allowance in case of hospitalization.

From 65 years oldAP Família responds to the needs of this stage of life, in which health begins to require greater care. It allows, for example, analysis without leaving home, after an accident or illness, transport to physiotherapy and support in personal hygiene and well-being activities. This solution also helps you with home shopping and includes a walking petsif you are sick and cannot take care of your pet.

If you are looking for insurance that protects you and your loved ones, AP Família Generali Tranquilidade is the right solution.

Safety for those studying abroad

Doing Erasmus is, on the one hand, the dream of many Portuguese students and, on the other, a cause for concern for their parents. If your child is about to leave for Erasmus and you feel the need to protect him from unexpected events that could occur during his stay away from home, Generali Tranquilidade has the solution: Study abroad accident insurance (AP Estudar no Estrangeiro).

This insurance from Generali Tranquilidade, which can be taken out for three, six or 12 months, guarantees the payment of expenses for consultations, medicines or hospital admissions, in the event of illness or accident.

With AP Estudar no Estrangeiro, the electronic study support equipment (computers and tabletfor example) are also protected against theft or theft, fire, fall and short circuit, up to 1,000 euros with a deductible of 50 euros.

Damage caused to third parties is also covered and, optionally, protection in the event of terrorism can be added.

Insurance for professions and activities at risk

More adventurous sports enthusiasts and risk-taking professionals are sometimes excluded from traditional personal accident insurance. But there are ways to overcome this obstacle. AS? Take out more comprehensive personal accident insurance. At Generali Tranquilidade you will find two options: personal insurance for disability due to accident (AP Disability) and insurance for hospitalization for personal injury. Both guarantee permanent protection both at work and in your free time following an accident.

Inability

At AP Disability, coverage is tailored to different types of disabilities and injuries: Temporary Absolute Disability, Temporary Partial Disability and Serious Bodily Injury.

In case of absolute temporary disability, the daily allowance is paid starting from the first day for a maximum of six months.

If, after a period of absolute incapacity, a phase of partial incapacity occurs which prevents the person from carrying out professional and daily functions, a daily allowance will be paid for a maximum period of one month.

In the event of serious personal injuries, such as the total and permanent loss of the use of limbs, speech, hearing or sight, two levels of compensation are available depending on the extent of the injury and the option contracted.

Hospital admission

After an accident, you may need to spend time in the hospital to recover more quickly. In this situation a daily allowance is paid, starting from the first night up to the limit of 550 days. If hospitalization in intensive care is necessary, an additional amount will be paid to the hospital admission amount. If you need to stay at home to recover after discharge from hospital, you will receive a daily allowance for a period no longer than double the length of your hospital stay.

If the accident causes a fracture, it is possible to benefit from the benefits of this insurance, even without hospitalization. The amounts due vary depending on the severity of the fracture and the option contracted.

In the event of death following an accident and as long as the insured person is over 14 years old, the beneficiaries receive the amount of compensation established in the insurance.

These are some examples of personal accident insurance that you can take out to live your daily life more safely.

Consult the other Generali Tranquilidade personal accident insurance policies that you can take out.