What are the risks covered by the accident of life guarantee?
Cover yourself against unforeseen accidents of life with EOVI MCD Mutuelle.
Online quote
This insurance covers personal economic and moral damages which are the consequences of an accident to life in a private setting.
More specifically, it takes care of the damages suffered related to the following situations:
comparative life accident insurance
Domestic accidents such as burns, falls, DIY or gardening incidents, or food poisoning, etc.
Accidents occurring in the leisure sector: sports accidents (not all sports are covered) or during a trip.
Accidents linked to natural and technological disasters: storms, avalanches, earthquakes, floods, building collapses, etc.
Medical accidents which present abnormal and unforeseeable consequences.
Assaults and attacks.
However, it should be noted 4 important points including the coverage and guarantees of life accident insurance:
The compensation threshold is capped differently depending on the framework of each insurer, however, the ceiling should not be set below € 1,000,000.
The guarantee covers accidents occurring in the European Union, Switzerland and the rest of the world if the length of stay is less than 3 months.
No waiting period applies for an accident-for-life guarantee: the protection starts upon subscription.
How long does it take to be compensated by the insurer? The insurer must offer you compensation as quickly as possible, with a maximum delay of 5 months after the declaration of accident or death. The insurer must compensate you a maximum of 1 month after your agreement or that of your beneficiary.
The degree of disability and the intervention threshold
The intervention threshold is the threshold generally set by insurers so that a person can benefit from compensation. What you should know about it:
It is converted into a permanent partial incapacity rate after the accident and it is the index of the time of coverage for your insurer.
Permanent incapacity must be set at a minimum of 30% in order to be able to claim compensation.
It is measured by a specialist doctor on a scale of 0 to 100% and is put in place once the phase of consolidation of your state of health has passed.
Table of rates according to disabilities Disability rate Associated sequelae
From 1 to 4% Vertigo, difficulty breathing, incomplete extension of a limb.
From 5 to 9% Limited flexion of the knee, loss of a finger, burn on 10% of the body.
10 to 29% Loss of vision in one eye, hearing loss in one ear.
30 to 59% Sciatic nerve paralyzed, loss of hand.
From 60% Complete hearing loss, complete upper quadriplegia.
What are the warranty exclusions?
In principle, life accident insurance does not compensate you in the following cases:
comparative life accident insurance
Accidents that have taken place in the workplace (another compulsory insurance covers work accidents);
Road accidents already covered by your compulsory car insurance;
Falls due to clumsiness or carelessness;
Accidents arising from high-risk practice or extreme sports;
Accidents occurring during stays of more than 3 months abroad;
Accidents or falls resulting from an illness such as stroke or heart attack.
Exclusions must be clearly indicated in your contract and do not hesitate to ask for clarification in case of doubt before subscription. You should also know that to be compensated, the accident must necessarily combine these criteria:
It must result from the framework of private life: it may be a domestic accident, in the context of leisure or sports;
It must be unintentional on the part of the victim;
It must be a consequence of a sudden and unforeseeable event;
It must be directly linked to the death or disability of the insured: causality must be clearly established between the cause and the consequences;
It must be caused by an external cause and not by a disease.
إرسال تعليق