Assegurança Professionals
Assegurança Professionals is a life insurance policy that pays a daily allowance for days when the insured cannot work because of an illness or accident that requires medical attention.
Characteristics
Assegurança Professionals is a life insurance policy that pays an amount of compensation for each day when the insured cannot work because of an illness or accident that requires medical attention.
You can benefit from this policy whether you are a business owner or self-employed.
Advantages
- It helps to cover your expenses in the event of missing work because of illness or accident.
- 15-day exclusion period.
- Fast, convenient payment of all benefits.
- The maximum duration of the benefit is 12 months.
Benefits
- Compensation depending on the income of the business. From 30 euros / day up to 120 euros / day.
- Supplementary cover for reimbursement of up to 90% of net salary as declared to the CASS.
- In the case of maternity leave, monthly compensation is 600 euros for a period of up to 4 months.
- In the event of death or total permanent disability, compensation is equal to 1,000 times the daily compensation contracted (e.g. 60 euros x 1,000 = 60,000 euros).
- Inability to work as the result of a pre-existing illness or because of lumbalgia, muscle pain or hernia is not covered by this policy. Neither is inability to work caused by problems of a nervous nature, such as depression or anxiety.
In the event of a claim
When sick leave is taken, a certificate issued by a registered doctor in Andorra must be submitted to Crèdit Assegurances within 30 days, declaring that the insured is totally and temporarily unfit for work. It must also:
- Specify the accident or illness and its causes, and say whether its treatment prevents the patient from working.
- Describe the treatment.
- Specify the date on which the patient became unable to work.
- Give an estimate of the duration of sick leave.
If sick leave continues for more than thirty days, the insured must send the insurer a medical certificate to this effect at intervals not exceeding thirty days.
Exclusion periods
10 months for maternity.
Exclusion periods
10 months for maternity.
FAQ
If you have questions about our products, take a look at the answers to frequently asked questions in this section.