About accident insurance
Accident insurance is focused on the natural person and provides coverage for the physical integrity of the insured person. Its objective is to provide coverage for bodily injuries resulting from a violent, unintentional cause and resulting in temporary, permanent or even death incapacity on the insured person.
The benefit is pecuniary and is payable to the insured in the event of incapacity and to the beneficiaries in the event of death. In addition, the provision of health care may be included in the case of injuries requiring the intervention of a doctor. It also covers hospitalization, treatment, as well as rehabilitation sessions necessary to recover the health of the insured person.
Individual accident insurance is taken out by a person on a voluntary basis to cover his or her family, or a person listed as a beneficiary, and himself or herself for an unforeseen accident which may affect him or her as a result of disability or death. The insured person may take out accident insurance to cover a specific risk, such as the development of his professional activity, or general coverage either in his professional or private life.
The main coverage of accident insurance is the payment of compensation for death or disability, as well as the payment of a monthly rent if the insured person is invalid and unable to exercise normally. The payment of a daily fee, up to the limit set in the hospital contract, is also usually envisaged.