Life Accident Insurance

 Life Accident Insurance

Life Accident insurance offers you material and financial support in the event of an accident in everyday life. It also protects you in other circumstances: medical accidents (anesthesia, infections contracted in hospital), assaults, attacks, natural or technological disasters.
Characteristics
How does Life Accident Insurance work?

● To subscribe, you must reside in France and be under 75 years old.

● You choose according to your need for coverage among 2 formulas:

- The Primo formula covers you in the event of everyday accidents (domestic, leisure, etc.), school, extracurricular and extra-curricular accidents, as well as in the event of accidents due to natural or technological disasters (flood, earthquake, train derailment ...)

- The Plus formula also covers accidents linked to the practice of a risky sport (horse riding, diving, mountaineering ...), an assault, an attack, a medical accident (such as a problem related to anesthesia , an operation or a serious infectious disease contracted during hospitalization).

● In the event of an accident, you receive financial compensation from 1% of Permanent Functional Deficit because your quality of life is affected and to compensate for the current and future losses of income that you suffer.

● If you have to adapt your home and your vehicle so that they adapt to your new situation, the work is covered by our insurer.

● You benefit from services adapted to your situation (home help, travel assistance, etc.)
What is the difference with Civil Liability Insurance?

Civil Liability insurance covers damage that you may cause to others. The Accident of Life insurance covers damage that you may suffer yourself, without a responsible third party necessarily being involved.
For example, if you fall in the street and injure yourself, you are not covered by your Civil Liability.
What is Permanent Functional Deficit?

Permanent Functional Deficit (PFP) is defined as the sequelae following a traumatic event and presenting a definitive and stable character. It corresponds to the definitive reduction in the victim's functional capacities, whether physiological, intellectual or psycho-sensory, such as permanent pain, physiological disorders or even damage to physical integrity.
This incapacity is medically observed and evaluated between 0 (no permanent functional deficit) and 100%, from the moment when the lesions are fixed and take on a permanent character such that treatment is no longer necessary, if not to avoid aggravation. Following the determination of the degree of permanent functional deficit, the victim will receive compensation for the permanent disability. Permanent Functional Deficit (PFP) is defined as the sequelae following a traumatic event and presenting a definitive and stable character. It corresponds to the definitive reduction in the victim's functional capacities, whether physiological, intellectual or psycho-sensory, such as permanent pain, physiological disorders or even damage to physical integrity.

This incapacity is medically observed and evaluated between 0 (no permanent functional deficit) and 100%.
Are my spouse and children covered by my contract?

Yes ! In addition to the two main insureds, you can designate up to 7 children under the age of 26 who are fiscally or economically dependent.
Good to know: LCL Life Accident Insurance provides, for those under 26, psychological support in the event of harassment / cyber-harassment.
What if I already have other insurance?

    If you already have Home Insurance with LCL: benefit from a reduction of € 2 to € 2.50 / month per child covered by your Life Accident Insurance policy (depending on the option chosen).
    If you already have school insurance with LCL or elsewhere: LCL reimburses you 25 euros for the 1st year per insured child.