Family personal accident insurance: discover 20 advantages

You can minimize the occurrence of accidents by creating safer environments and adopting prudent behavior. However, no matter how careful you are, no one is exempt from an accident. At home, at school, at work, on the street or on the street, something unexpected can happen.

In the event of an accident, insurance can be very useful, helping to cover expenses or offset the resulting reduction in income, as an accident can cause injuries that make it impossible to work or even require hospitalization and/or expensive treatment.

Is your family protected from the unexpected events of everyday life? If you don’t have any insurance that protects you and your family, we offer coverage valid for all ages and others aimed at adults and children (we took Family Tranquilidade Personal Accident Insurance as an example).

Did you know that…

In 2019, 195,400 Portuguese suffered a domestic or leisure accident that required admission to the emergency room? Home and school were the places where these incidents occurred most frequently. And falls were, by far, the most common type of accident.

The data comes from EVITA – Epidemiology and Surveillance of Traumas and Accidents, coordinated by the Doutor Ricardo Jorge National Institute of Health (INSA).

Family personal accident insurance coverage

All ages

1. Death and/or Permanent Disability

If you die due to an accident, your beneficiaries can receive compensation from the insurance company up to the amount of the contracted capital, or a monthly income (if this possibility is provided).

In the event of permanent disability, you will receive the expected compensation, provided you duly demonstrate this clinical situation, for example through a medical report, to the insurance company, within two years of the accident.

2. Accident treatment costs

This coverage guarantees the reimbursement of treatment expenses, such as: medical expenses and hospital stays and travel to the doctor, hospital, clinic or health station using a means of transport appropriate to the situation.

3. Daily allowance in case of hospitalization (depending on the option chosen)

If you need to be hospitalized, and according to the contractual conditions, you can receive a daily allowance, for a maximum period of 360 days.

4. Telephone medical advice

In the event of injury or illness, the insurer will provide the insured with a permanent assistance service, available 24 hours a day, every day of the year. This service allows you to obtain medical information and advice by telephone.

5. Medical expenses abroad in the event of injury or illness

If you require medical treatment following an illness or accident while traveling abroad, the insurer will cover medical expenses up to the contractual limit.

6. Cancellation or interruption of the trip

If you have to cancel or interrupt a planned trip due to your illness or due to the illness or death of a close family member (spouse, ascendant and descendant up to the 1st degree), you are entitled to reimbursement of transport and accommodation costs, within the contractual limits.

7. Loss, damage or theft of baggage during travel

In the event of loss, damage or theft of baggage at the expense of the transport company, you will receive compensation for the amount remaining after any compensation from the transport company, up to the contracted limit.

Your baggage is also protected against theft while in your possession and as long as it occurs through the use of force.

To benefit from the theft guarantee, you must report the incident to the authorities within the next 24 hours.

8. Optional protection: amateur and non-federated sports practice

This protection is optional and is intended for practitioners of non-federated amateur sports. The following sports are covered:

> mountain biking and cycling;
> Athletics and running;
> Surfing, bodyboarding, windsurfing, swimming and diving (up to 40 meters deep);
> Equitation;
> Maintenance gymnastics, dance and yoga;
> Sport fishing and canoeing;
> Football, handball, volleyball, basketball, tennis, paddle tennis and squash;
> Martial arts (without the use of weapons).

If you play any of these sports, make sure you take out this coverage.

Up to 24 years

Children are the main concern of parents, which is why it is important to take care of their well-being and academic success in the event of an accident or illness, as well as prevent any damage they may cause during free time.

9. Civil liability

This coverage guarantees the payment of the compensation requested from the insured for damages caused to third parties, up to the contractually established limit.

10. Pediatric consultation

With this coverage you can benefit from telephone pediatric consultation on weekdays from 9:00 to 21:00.

11. School support in the event of injury or illness

In the event of doctor-prescribed bed confinement that prevents you from attending classes, the family’s personal accident insurance guarantees that a qualified professional in the relevant field will be sent to your home. This coverage includes two services, lasting three hours, per annual fee, with a one-hour ticket charged for each service.

12. Transportation to school or extracurricular activities if parents are physically unable to do so

If you are physically unable to take your children to school or extracurricular activities, the insurance company guarantees their transportation between home and school (and back) or between home and an extracurricular activity center (and back), as long as they are duly accompanied by a designated adult.

If the contractual limit is exceeded, you will be able to request this service, but in this case you will have to bear the entire cost.

13. Babysitting due to injury/illness of the child or parents

If you have small children and are hospitalized or bedridden, this coverage guarantees you a person to look after the child, up to the amount of the contracted capital.

You can contract services even after the capital is exhausted, but in this case you will have to pay for the entire service.

From 65 years old

At this stage in your life, it’s important to have coverage to help you with certain tasks if you can’t do them due to an accident or illness.

14. Support in personal hygiene and well-being activities

Whenever, for clinical reasons, you are unable to carry out personal hygiene and well-being activities, you can count on the sending of qualified professionals to support you in these activities, namely:

> Getting out of bed;
> Personal hygiene, bathing, nail trimming and simple hair styling;
> Help with food;
> Change of personal and bed linen;
> Small tours;
> Help with wheelchair;
> Mobility exercises.

This service must be requested at least 24 hours in advance, from 9:00 to 21:00, Monday to Friday.

Support coverage for personal hygiene and well-being tasks can be used for two hours a day, for a maximum of 15 days per annual fee.

15. Sending beauty professionals

If you are physically unable to travel, you can be visited by beauty professionals at home, up to the contractual limit.

16. Help with home shopping

If for medical reasons you are unable to purchase the house, the insurance company will organize this service, up to the amount of the contracted capital, as long as you make the request at least 24 hours in advance. Together with your purchases you will receive the corresponding receipt with your Tax Code (TIN).

17. Walk pets

If you are temporarily or permanently disabled and cannot walk your pet, the dog walking service will take care of this task for you.

18. Rental of orthopedic equipment

Due to an accident or illness you may need a wheelchair, crutches, walker or other orthopedic equipment. In this case, during the time necessary for your recovery and up to the contracted limit, the insurance company will find and rent the necessary orthopedic material.

19. Transportation to physical therapy

In case of need for physiotherapy, the insurance company will organize and cover the transport costs by ambulance or taxi, within a maximum radius of 60 km (round trip) and up to the contracted limit.

20. Analysis without leaving home

This coverage guarantees that, upon medical prescription, qualified personnel will be sent to your home to carry out analyzes and clinical examinations, up to the contractually established limit.

If you’ve made it this far, you already know the main benefits of family personal accident insurance. Don’t wait for bad luck to knock on your door, contact one of Generali Tranquilidade’s mediators, who will help you protect your family.