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Accident insurance by agreement is compulsory collective insurance for companies or self-employed persons with dependent employees. The hedges and capital that include these insurances are those that mark the agreement to which it belongs
If a worker suffers an accident at work which gives rise to compensation for any of the coverage covered by the agreement under accident insurance, the insurer shall compensate the employee or his beneficiary in the event of death.
Insurance against accidents at work
Collective contract insurance covers accidents which the worker may suffer in the course of his work. The taker is the company and the insured each of the employees. Collective bargaining establishes the capital which the employee will receive in the event of an occupational accident. Certain agreements such as the hotel agreement provide for compulsory life insurance in addition to accident insurance.
This insurance is established by the agreement in which your activity is framed and is of mandatory nature. Not all agreements require their recruitment. You have to know if yours requires it.
Regardless of the number of employees in the company when the insurance is taken out, it covers everyone who is registered in SS2 which is presented at the end of each month relating to the previous month. When the policy expires, it is regularized. Depending on the number of months each worker has been discharged, the corresponding premium is paid. This can result in the company having to pay an additional amount, if it has more workers than at the time of recruitment, or if it has less money back.
The main coverages are:
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- Death by:
- Accidents at work and non-work
- Occupational Disease
- Natural Cause (Funeral expenses)
- Road traffic accident
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- Great Disability for:
- Accidents at work and non-work
- Occupational or Common Disease
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- Absolute permanent invalidity for any profession by:
- Accidents at work and non-work
- Occupational or Common Disease
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- Absolute permanent invalidity for usual profession by:
- Accidents at work and non-work
- Occupational or Common Disease
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- Partial permanent invalidity due to:
- Accidents at work and non-work
- Occupational or Common Disease
*Basic coverage may vary depending on the insurance company.