Liberty accident insurance (Castellano)
CONTENTS:
0 - Preliminaries - Definitions
2 - Risks excluded from all covers
5 - Scope of the insurance ( 1. Death due to an accident / 2. Death due to an accident - monthly annuity / 3. Death due to a traffic accident / 4. Death of the insured and spouse due to accident / 5. Permanent disability due to an accident (5.5 Assessment scale for degree of permanent disability / Rules for the valuation of disability - skull / face / torso / abdomen and pelvis / cervical column / dorsal lumbar spine / upper limbs / lower limbs / loss of movement / nervous or central system ) / 6. Total permanent disability due to an accident - monthly annuity / 7. Permanent disability due to a traffic accident / 8. Major disability due to an accident / 9. Total permanent disability due to an accident - reform expenses / 10. Death due to a heart attack / 11. Total permanent disability due to a heart attack / 12. Temporary disability due to an accident - daily indemnity / 13. Health care expenses arising from accidents ( Limited expenses. / Included expenses ) / 14 Hospitalisation due to accident - daily indemnity / 15. Assistance )
6 - Territorial scope of the covers
7 - Automatic adjustment ( 1. Services to which it is applied / 2. Updating / 3. Renouncing automatic adjustment ... Base index ... Maturity index )
CONTRACT BASES
9 - Information when arranging the insurance, withholding or misrepresentation
10 - Obligation to report additional insurance
11 - In case of an increase in risk
12 - Powers of the insurer when there is an increase in risk
13 - Consequences of not reporting an increase in risk
14 - In case of decrease in risk
15 - Execution and effects of the agreement
16 - Period of cover of the insurance
17 - Payment of the premium ( 1. Time of payment / 2. Place of payment / 3. Consequences of non-payment of the premium )
19 - Claims - Calculation of the indemnity
20 - Claims - Payment of indemnities
22 - Termination and nullity of the contract
26 - Indemnity clause (Covered extraordinary events / Excluded risks / Scope of the cover /Procedure to follow in the event of a claim covered by the Insurance Compensation Consortium )
27 - Travel and home assistance (1. Medical transportation or repatriation of injured or ill individuals / 2. Transportation or repatriation of insured accompanying family members / 3. Early return of the insured due to the death of a family member / 4. Early return of the insured in case of a fire or a claim at his or her residence / 5. Round trip ticket for a family member and hotel expenses / 6. Medical, surgical, pharmaceutical and hospitalisation expenses abroad / 7. Expenses for the extension of a stay in a hotel abroad / 8. Urgent dental treatment expenses abroad / 9. Sending medicines abroad / 10. Transportation or repatriation of the deceased and of accompanying insured individuals / 11. Search and transport of luggage and personal effects / 12. Sending and / or forwarding forgotten and / or stolen objects during travel abroad / 13. Relay of messages / 14. Legal information abroad / 15. Travel information ) / Home assistance cover ( 1. Territorial scope / 2. People with rights to this service / 3. Ways to request the service / 4. Object of the cover (
1. Childcare (Babysitting service) / 2. Household care / 3. Accompaniment for the ill / 4. Forwarding of medicines / 5. Duty chemist night service / 6. Assistance for re-entry into the home (Transportation expenses) ) )
28 - Repatriation assistance ( Repatriation of the deceased / Companion in the event of transport due to death / Round trip expenses for a family member in case of hospitalisation /
Round trip ticket in the event of the death of the insured's parents / Telephone service for medical advice / Telephone interpretation service / Telephone service for legal advice /
Telephone service for procedural advice (Telephone administration
Procedures in the event of the death of the insured / Information service ) ) Contract specifications - exclusions / Additional provisions / Reporting claims