An accident gives no warning: financial backup if it happens to you
An accident can leave you unable to work, with medical costs or a disability. I offer three ways to cover this depending on your situation: basic, quick protection, protection designed for women, or income protection for the self-employed. I’ll help you choose yours.
Whether you want something basic, protection for you as a woman, or protecting your income as self-employed.
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I guide you towards your option
And we adjust the death and disability capital to what you need.
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You decide, calmly
No pressure, and with the cover explained clearly.
MA
Micol Astorri
Insurance advisor
Why work with me
Why choose your accident insurance with me.
An accident gives no warning, but protection is best chosen calmly. I explain the three options clearly so you choose the one that truly fits you.
✓ I guide you based on your real profile
✓ I adjust capital amounts to your situation
✓ Advice never costs you more
✓ From Elche (Alicante), serving clients across Spain
"From the very first contact she was kind, attentive and professional. She advised me patiently, answered all my questions and helped me find the best option for my needs, with no complications."
★★★★★
Victor O. · Client
Registered with the Insurance Distributors Register (DGSFP) no. C0133X4340072H
The questions I get asked most. If yours isn’t here, write to me and I’ll answer personally.
What’s the difference between the three options? +
Express is the basic, quick option; Accidentes de la Mujer adds cover for women’s health; Protección Emprendedor focuses on protecting self-employed income with annuity-style options.
Which one suits me if I don’t know where to start? +
It depends on your situation: whether you want something simple, protection designed for you as a woman, or protecting your income as self-employed. I guide you with no obligation.
How is this different from life insurance? +
Accident insurance covers the consequences of an accident (death, disability, hospitalization); life insurance covers death from any cause. They complement each other.
Can I choose the insured capital? +
Yes, in all three options we adjust the death and disability capital to what you need.
Is sport covered? +
Regular sport, yes; high-risk sports and competitions are generally excluded. I’ll confirm based on your case.
Can I have all three accident options at the same time? +
It doesn’t usually make sense to combine them with each other, because each one is designed for a different profile (basic, women’s health, self-employed); the usual approach is to choose the one that best fits your situation, and you can always change later.
What happens if I have an accident while abroad? +
Death and disability cover from accident usually applies in any country where it happens, within the limits of the policy wording; I’ll confirm the exact geographical scope of the option you choose.
Does accident insurance cover a fall at home? +
Yes, an accident at home (a fall, a knock) is covered the same as any other accident, as long as it doesn’t come from an excluded high-risk activity.
Is there a waiting period on accident insurance? +
There’s no general waiting period on pure accident cover; there may be one on the illness-specific cover in some options (for example, cancer in Accidentes de la Mujer).
What’s the difference between permanent and temporary disability from an accident? +
Temporary disability pays out while your recovery period from incapacity lasts; permanent disability is paid when the after-effects of the accident become fixed and are assessed against a scale, in proportion to the degree.
Can I take out accident insurance for my children? +
Yes, you can insure minors against accidents; I’ll guide you on which option and capital makes most sense based on your child’s age and activities.
Does accident insurance cover a road traffic accident? +
Yes, a road traffic accident is covered like any other accident, and in some options (such as Protección Emprendedor) there’s also a specific extra indemnity for road traffic accidents.
Do I need to be on sick leave to claim the indemnity? +
It depends on the cover: temporary disability usually requires evidence of the incapacity period; permanent disability and death are assessed differently. I’ll explain the procedure for your case.
Does accident insurance replace life insurance? +
No, they’re complementary: accident insurance only covers what results from an accident; life insurance covers death from any cause. Many people have both.
How is the degree of disability determined after an accident? +
It’s assessed against the scale of injuries set out in the policy wording, based on a medical report confirming the after-effects; I’ll support you through the whole assessment process.
Can I switch accident options later on? +
Yes, if your situation changes (for example, you become self-employed or want women’s health cover) we can look at switching to another option in the range.
What happens if the accident happens at my workplace? +
A workplace accident may also have Social Security cover; private accident insurance adds to that protection, without replacing it, and I’ll explain what to expect from each one.
Is there a maximum age to take out accident insurance? +
There may be an age limit for taking out or renewing cover depending on particular conditions; I’ll confirm the current range for your specific case.
How long does it take to pay the indemnity after an accident? +
Once the necessary medical documentation is submitted, it’s usually settled within a few weeks; I’ll support you to speed up the process so it takes no longer than necessary.
What documentation do I need to claim after an accident? +
Usually the accident report, the medical report with the diagnosis and after-effects, and your ID documents. I’ll help you put everything together whenever you need it.
Let’s start
Tell me your situation and let’s find your protection.
A 5-minute call is enough to know which option suits you. No obligation, and advice never costs you more.