Accident cover for your employees

Cover

• Death caused by an accident
• Death caused by a road accident
• Total permanent disability caused by an accident
• Total permanent disability caused by a road accident
• Severe disability, where the employee needs another person's help day to day
• Assault: an extra capital sum if the accident is a robbery, an assault or a kidnapping
• Orphan's benefit: an extra capital sum for children under age
• Medical care: the Allianz network (cuadro médico concertado) or free choice of doctor, depending on what is taken out
• Funeral costs, in Spain or abroad
• A daily allowance for time in hospital or on temporary sick leave
• Travel assistance, in Spain and abroad
• The same sum for everyone, or different sums by staff category, as agreed

Depending on the option chosen and on what is agreed in the group policy.

Two options

If you are not sure which one applies to you, send us the convenio and we will go through it with you.

When is the employee covered?

This is chosen when the policy is taken out. In convenio policies, working hours plus the journey is the most common.

Good to know

• This policy covers the consequences of an accident, not of an illness. That is what the staff life policy is for.
• Many collective agreements (convenios colectivos) oblige the employer to insure its workers against accidents, for a sum set by the agreement itself. Tell us which one applies to you and we will go through it with you before quoting. Interpreting the convenio is a job for your gestor or your employment adviser; we set up the policy with the sums you give us. If the convenio requires the policy and it is not there, it is the company that answers to the labour inspectorate; for the most serious employment offences the fines run up to 187,000 €. Which offence yours would be is not for us to say: that is for the inspectorate to assess.
• A heart attack does not count as an accident. It is only covered if that cover is taken out separately; tell us if you want it and we will quote for it.
• In sector-wide convenios, Allianz updates the policy each year when the sums in the convenio change. If yours is the company's own convenio, tell us and we will adjust it ourselves.
• For a quote we only need the number of employees, what the company does and the sums you want to insure. Names come later.
• Joiners and leavers are reported during the year. There is no need to wait for the renewal.
• Who receives the money if an employee dies is set out in the policy. We go through the options with you before you sign — it is the point most often overlooked, and the one that causes the most trouble later.
• If an employee has an accident, you call us. We report it to Allianz and tell you which papers are needed, in English, Spanish or German.
• Not everything is covered. Among the exclusions are accidents involving alcohol or drugs, risk sports and professional sport, and certain jobs (flight crew, divers, mining) unless specifically agreed. The full list is in the conditions. If anyone on your staff does one of those jobs, tell us beforehand and not afterwards.
• You do not have to be a company. We also insure associations, schools, sports clubs and any group with legal status. Schools also have a pupil assistance service that covers bullying and cyberbullying — ask us about it. For children under fourteen, death cover is not allowed: the policy pays funeral costs instead.
• For the company the premium is usually a deductible expense, and for the employee it is a staff benefit. How it is treated in your accounts and payroll is for your gestor; we give them the documents they need.
• Allianz also has group policies for life, health, savings, travel and pensions. If more than one is of interest, we can cover them in a single meeting.