Zurich Accidentes Colectivos — Group Accident Insurance for Employees
Технические параметры
Cost
Price: From €8 per employee
Period: monthly
| General Category Characteristics | |
| Parameter | Value |
| Type of insurance | Group occupational accident insurance |
| Coverage format | Capital payout for death or disability |
| Geographic coverage | All of Spain + commute to/from work |
| Contract term | Annual, with automatic renewal |
| Minimum insured | From 3 people |
| Zurich Accidentes Colectivos Specifications | |
| Parameter | Value |
| Death from accident | €50,000 + €2,000 advance for funeral expenses |
| Permanent total disability | €50,000 for 100% loss of working capacity |
| Partial disability | According to scale based on injury type |
| Permanent occupational incapacity | €50,000 if unable to work in usual profession |
| Coverage period | At work + commute both ways |
| Urgent payment to family | €2,000 advance for funeral costs within 48 hours |
Financial protection for your team in case of accidents
Zurich Accidentes Colectivos is group insurance for company staff against accidents at work, commuting to work, or returning home. The policy ensures substantial payouts to an employee’s family in case of death or injuries resulting in disability. This is particularly important for companies where employees work in high-risk environments: manufacturing, construction, logistics, hospitality. The insurance creates a financial shield for families and demonstrates the employer’s care for their people.
Unlike standard employer’s liability insurance, group accident insurance pays regardless of the company’s fault. Even if the injury occurred due to the employee’s own carelessness, the family receives the full insurance compensation. The policy covers death, permanent disability, and total loss of professional working capacity—with payouts from €50,000 per incident. An urgent advance of €2,000 for funeral expenses is provided to the employee’s family, paid within 48 hours.
Common Challenges This Policy Addresses
Мнение агента