Insurance
Accident insurance that protects you and yours, wherever you are.
You are protected in the event of Disability, incapacity or convalescence.
Great cover, flexible, affordable and can be modified at any time
24h assistance from anywhere in the world.
Swift and simple claims procedure through our App.
Select the right level of cover for you by choosing the protection module that best suits you and your family.
See coverA modular insurance for people who work and an option for people under the age of 23 who are not working.
| Module 1 | Module 2 | Module 3 | |
|---|---|---|---|
| Death | |||
| Compensation | €50,000 | €100,000 | €150,000 |
| Monthly income (5 years) | €300 | €600 | €900 |
| Permanent incapacity | |||
| Compensation | €50,000 | €100,000 | €150,000 |
| Monthly income (5 years) | €600 | €1,200 | €1,800 |
| Hospitalisation | |||
| Daily compensation | €50 | €75 | €100 |
| Convalescence | |||
| Daily compensation | €25 | €38 | €50 |
| Personal assistance | Included | Included | Included |
| Module 1 | Module 2 | Module 3 | |
|---|---|---|---|
| Permanent incapacity | |||
| Compensation | €50,000 | €100,000 | € 150,000 |
| Monthly income (5 years) | €900 | €1,800 | €2,700 |
| Funeral costs | €3,000 | €3,000 | €3,000 |
| Guarantees | Cover |
|---|---|
| Basic | |
| Death | Capital sum |
| Optional | |
| Death | |
| Heart attack or stroke | Capital sum |
| From assault | Capital sum x 150% |
| Traffic accident | Capital sum x 200% |
| Both spouses in a traffic accident | Capital sum x 200% |
| Heart attack or stroke | Capital sum |
| Permanent incapacity | |
| Accident | Capital sum |
| Heart attack or stroke | Capital sum |
| Severe incapacity | Capital sum |
| From assault | Capital sum x 150% |
| Traffic accident | Capital sum x 200% |
| Both spouses in a traffic accident | Capital sum x 200% |
| Temporary incapacity | |
| Daily compensation | € 30 / € 40 / € 50 / € 60 |
| Healthcare | |
| In approved centres | Unlimited |
| In other centres | € 1,200 /€ 3,000 / € 6,000 |
| Hospitalisation | |
| Hospitalisation allowance | € 30 /€ 60 / € 90 |
| Convalescence at home | 50% of the allowance agreed |
| Cosmetic surgery | |
| Resulting from a covered accident | € 1,200 /€ 3,000 / € 6,000 |
| Personal assistance | |
| Included | Included |
| Guarantees | Cover |
|---|---|
| Basic | |
| Death | Funeral costs €3,000 |
| Optional | |
| Permanent incapacity | |
| Accident | Capital sum |
| Heart attack or stroke | Capital sum |
| Major incapacity | Capital sum |
| From assault | Capital sum x 150% |
| Traffic accident | Capital sum x 200% |
| Both spouses in a traffic accident | Capital sum x 200% |
| Temporary incapacity | |
| Daily compensation | € 30 / € 40 / € 50 / € 60 |
| Healthcare | |
| In approved centres | Unlimited |
| In other centres | € 1,200 /€ 3,000 / € 6,000 |
| Hospitalisation | |
| Hospitalisation allowance | € 30 /€ 60 / € 90 |
| Convalescence at home | 50% of the allowance agreed |
| Cosmetic surgery | |
| Resulting from a covered accident | € 1,200 /€ 3,000 / € 6,000 |
| Personal assistance | |
| Included | Included |
Comprehensive digital insurance that offers cover for death, disability and personal assistance. Simple to take out.
| Guarantees | Cover |
|---|---|
| First guarantee: Accidental death | €30,000, €60,000 or €90,000, depending on the option chosen, set out in the Specific Terms and Conditions. |
| Second guarantee: Total and partial permanent disability resulting from an accident | €30,000, €60,000 or €90,000, depending on the option chosen, set out in the Specific Terms and Conditions. |
| Third guarantee: Personal assistance | Included |
From your Online Banking/Insurance or Cajamar Group App, fill in the details and apply.
Get a quote and take out insurance (in Spanish)
You can get up to 30% * discount the first year when you have 8 or more policies in place (at least one new one).
Take out insurance cover for your family (partner, spouse, children and parents) and spread the cost over affordable monthly payments**.
It guarantees, depending on the contracted package, various coverages arising from bodily injuries resulting from an accident.
A bodily injury resulting from a violent, sudden, external cause beyond the control of the Insured, which leads to Hospitalization or Convalescence, Permanent Disability, or Death. Diseases of any nature, as well as the consequences of purely psychological influences, are not considered accidents.
The Insured will be covered by the policy as long as their habitual residence or domicile remains in Spanish territory (more than 183 days within the calendar year). If the Insured moves their habitual residence abroad, the Insurance coverages will be suspended at the expiry of the corresponding insurance period.
For the “Death and Permanent Disability” coverages, the Insurance provides worldwide coverage.
For the rest of the coverages, the Insured will only be covered within the territory of the European Union.
Policies have an annual duration and are automatically renewed for successive annual periods until the insured reaches 70 years of age.
Coverage ends for each insured under the following circumstances: due to age at the end of the policy year in which the insured turns 70, upon the death of the insured, for non-payment of the premium, or for nullity of the policy.
Life insurance covers its main coverage (death) for any cause, whereas accident insurance covers the death coverage only in the event of an accident.
The Mis Seguros, facility allows you to access all the information about your insurance products through a user-friendly platform, from your phone or computer.
Access My Insurance (in Spanish)*Up to 30% discount on the net premium of each insurance policy, depending on the number of insurance products linked to the Club and with a maximum of 1,200 euros per club member/contract. To qualify for the discount, the net premium of each insurance policy must be greater than or equal to €150 per year(except retail insurance and greenhouse insurance with a minimum net premium of €350 and the health insurance with a minimum net premium of €550). The maximum discount of 30%* is available when you have 8 or more policies in place (at least one new one). The discount percentages will be as follows, No. of major policies Minimum premium - % Discount: 2 policies – 3% discount, 3 policies – 5% discount, 4 policies – 8% discount, 5 policies – 11% discount, 6 or 7 policies – 15% discount, 8 or more policies 30% discount. The Insurance Club may also include insurance policies with an annual net premium of less than €150/year. Although these will not count for the purposes of the discount, they would be included in the global amount to spread the cost interest free over affordable monthly payments. The discount on the current account linked to the Club will be applied at the time the policy (which qualifies for the discount) joins the Club. To qualify for the discount, the minimum contract will be 36 months. The following insurance policies qualify for the CLUB: Cajamar Home / Modular Home Insurance , Cajamar Life Insurance (Family / Elite), Cajamar Life Insurance Finance / Mortgage, Cajamar Annual Renewable Funeral Expenses Insurance, Cajamar Accident Insurance (Modular, Flexible, On-line), Cajamar Hunting and Fishing Insurance, Cajamar Modular Commerce Insurance, Car Insurance, Cajamar Income Protection Insurance, Cajamar Greenhouse Insurance, Cajamar Health Insurance. Taxation according to current legislation. Find out all about the "Insurance Club" and the terms of the contract at branches of Grupo Cooperativo Cajamar, and at: www.grupocooperativocajamar.es. 0% finance deal, subject to the terms and risk concession conditions of the entity.
(**)Example of a customer who unifies their insurance: Vehicle Insurance €560/year, Home Insurance €225/year and Life Insurance €270/year. NIR 0,00%. APR 0,00% for an amount of €1,055.00 over a 12 month period, monthly instalment €87.92, final instalment € 87.88 and a total amount due of €1,055.00. Monthly instalments. Spot purchase price and total amount paid in instalments, both €1,055.00.
Accident Insurance provided by Cajamar Seguros Generales, S.A. de Seguros y Reaseguros. NIF A-04653556 and other insurance products included in the insurance club provided by Generali España, S.A., de Seguros y Reaseguros, NIF-A48037642 and Cajamar Vida, S.A. de Seguros y Reaseguros. NIF A-04465555. Intermediated through the Linked Bancassurance Operator, Cajamar Mediación S.L.U., NIF B-04428223, Calle Ciudad Financiera, 1 04131 – Almería, entered in the Special Administrative Register of insurance brokers, reinsurance brokers and their senior executives, held by the Directorate General of Insurance and Pension Funds (DGSFP) with registration code OV0014. It has public liability insurance policy in place in accordance with art. 152, point 1,(g) of Royal Decree-Law 3/2020, of 4 February, regarding urgent measures.. View the list of insurance providers that have an agency contract in place with the las aseguradoras with the Linked Bancassurance Operator. Read the terms and conditions of the Insurance Club(in Spanish) (PDF 775,83 KB.).
