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      MAPFRE Acidentes Pessoais Insurance

      Because your employees deserve it.

      Offer more benefits to your company's employees

      • Ensure the total protection and safety for your employees.
      • In any part of the world.
      • Very competitive price.
      Talk to us

      Benefits, Types, and Coverages

      See the Modalities and Coverages of MAPFRE Acidentes Pessoais Insurance.
      • Acidentes Pessoais Grupo

        This is the perfect insurance plan to supplement protection in the event of an accident or comply with the legal obligation to insure groups of people in cases where insurance is mandatory by law, e.g., in the case of Sports Agents, Fire Fighters, participants in carnivals, among others.

        • Protects employees in their professional and personal/leisure activities, 24 hours a day.
        • Ideal for schools, gyms, and institutions that host sporting and recreational activities, where groups must be insured. 
        • Adapts to the needs of each group of people.
        • Strengthens and supplements the protection of other insurance policies and offers a significant advantage to the employees of your company.

        Take an in-depth look at all the Modalities and Coverages of MAPFRE Acidentes Pessoais Insurance - Grupo.

        Acidentes Pessoais Mobilidade Profissional

        MAPFRE Acidentes Pessoais Mobilidade Profissional insurance offers additional protection for your employees who are temporarily located abroad, as well as non-employees. It provides complete protection anywhere in the world in the scope of their professional and personal/leisure activity.

        • Protection for the employees' professional and personal/leisure activity, anywhere in the world.
        • Ongoing support from Portugal to resolve issues if an accident occurs abroad, including issues related to communication problems, time zones, and a lack of knowledge on local health networks, among others.
        • Local support by providers that meet the quality standards established by MAPFRE.
        • Can be taken out for temporary travel lasting 3, 6, or 9 months.

        Take an in-depth look at all the Modalities and Coverages of the MAPFRE Acidentes Pessoais Insurance - Mobilidade Profissional.

        Acidentes Pessoais Viajante Frequente

        MAPFRE Acidentes Pessoais Viajante Frequente insurance is ideal for your employees who regularly travel abroad, as well as non-employees, for under 60 days. Take out this insurance to offer your employees protection anywhere in the world in the scope of their professional and personal/leisure activity.

        • It is quite affordable: cheaper than simple travel insurance.
        • Very practical: offers personal and professional protection and assistance to people in Portugal and abroad.
        • It offers a wide range of coverages with two payout modalities to choose from.
        • It also protects their personal property: luggage, laptop, and tablet.
        • Complete Travel Assistance Service.

        Take an in-depth look at all the Modalities and Coverages of the MAPFRE Acidentes Pessoais Insurance - Viajante Frequente.

      Documents

      Documentation concerning MAPFRE Acidentes Pessoais Insurance.
      • Acidentes Pessoais Grupo
        • Types and coverages
        • Product Information Document (PID) of the Insurance
        • Pre-Contractual Information (PCI)
        Acidentes Pessoais Mobilidade Profissional
        • Types and coverages
        • Product Information Document (PID) of the Insurance
        • Pre-Contractual Information (PCI)
        Acidentes Pessoais Viajante Frequente
        • Types and coverages
        • Product Information Document (PID) of the Insurance
        • Pre-Contractual Information (PCI)

      Additional Information On Insurance

      General conditions
      Set of contractual clauses previously prepared and presented by the insurer. They include the basic aspects of the insurance contract that are typical for risks with similar characteristics. They define, for example, general coverages and exclusions and the rights and duties of the parties.

      Special conditions
      Set of clauses that complement or specify the general conditions. The special conditions (usually additional coverages), which are actually contracted, are identified in the specific conditions.

      Specific conditions
      Set of clauses that adapt the contract to the specific situation of a policyholder. They identify, in particular, the coverages contained in the special conditions that were chosen, the values of the insured capital that were agreed, the deductibles that the parties established, the beneficiaries, the relevant characteristics of the person or insurance plan, and the effective date of the contract.

       

      Source: ASF - Supervisory Authority of Insurance and Pension Funds.

      The premium is the price of the insurance, which includes:

      • the costs of covering the risk;
      • the costs of taking out and managing the contract and collection;
      • charges related to policy issuance.

      In addition to the premium, taxes and fees payable by the policyholder are added.

       

      Source: ASF - Supervisory Authority of Insurance and Pension Funds.

      In most insurance plans, risks are not covered until the premium is paid.

      Whenever the initial premium, or its first installment, is not paid on the due date, the contract is automatically resolved (terminates). In this situation, the contract is considered to have ended on the date it was entered into. That is, there will be no coverage of the risks.

      Whenever the following annual premiums, or subsequent payments, are not paid on the due date, the contract is not renewed.

       

      Source: ASF - Supervisory Authority of Insurance and Pension Funds.

      A claim is an event or series of events resulting from a cause capable of triggering the guarantees of one or more insurance contracts.

       

      Source: ASF - Supervisory Authority of Insurance and Pension Funds.

      The policyholder, the insured party, or the beneficiary must inform the insurer when a claim occurs.

      They must do so within the period established in the contract or, if no period has been fixed, within eight days after the day on which they became aware of the claim.

      Notification of the claim is called participation. The participation must contain all important information for the analysis of the accident and assessment of losses, such as its causes, the date and place of the event, and the losses suffered.

      The policyholder, the insured party, or the beneficiary must submit all information requested by the insurer about the accident and its consequences.

       

      Source: ASF - Supervisory Authority of Insurance and Pension Funds.

      General information on insurance

      This information is for advertising purposes and is provided by BBVA MEDIACIÓN, OPERADOR DE BANCA-SEGUROS VINCULADO, S.A. The enquiry does not dispense with the legally required pre-contractual and contractual information.

      Insurance Intermediary Information: BBVA MEDIACIÓN, OPERADOR DE BANCA-SEGUROS VINCULADO, S.A. (hereinafter “BBVA MEDIACIÓN”) is a company incorporated under Español (under code A78581998) and is also authorized to pursue its activity in Portugal under the Right of Establishment scheme as provided for on the website of the ##2##Supervisory Authority for Insurance and Pension Funds ("ASF")##2##, using the distribution network of BBVA, S.A. – Branch in Portugal for this purpose.

      As a result of the formalized mediation agreements, BBVA MEDIACIÓN conducts insurance mediation as an insurance intermediary (insurance agent) with the right of establishment in the name and on behalf of the following Insurers: BBVA Seguros, S.A. de Seguros y Reaseguros; MAPFRE Seguros Gerais, S.A.; MAPFRE Seguros Vida, S.A.; Zurich – Companhia de Seguros Vida, S.A. e Una Seguros de Vida, S.A.

       BBVA MEDIACIÓN is authorized to distribute insurance throughout the branches authorized by the insurers identified above. Furthermore, its intervention as an intermediary does not end with the conclusion of the insurance contract, as it continues to support and inform policyholders in the event of any eventual claims.

      BBVA MEDIACIÓN and BBVA S.A. - Portugal Branch are not allowed to receive insurance premiums in the name and on behalf of insurers. The risk coverage is the insurers' responsibility.

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