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.