Accident

Accident

Traffic accidents are among the top 10 causes of death in the world.

Seguros de accidente | Servicios | TOLIC

HOSPITALIZATION DUE TO AN ACCIDENT

Accidents happen every day, when you least expect them.

Anyone can become an accident victim —be it on the street, at work, at school, at home or while playing sports.

An injury or a visit to the hospital as a result of an accident involves expenses that we often don’t take into consideration until we find ourselves in the situation. For example: loss of salary, child care expenses, hospital care, acquiring special equipment/supplies or specialized drugs, among others. These expenses generally are not covered by health insurance plans.

Our Hospitalization Due to an Accident policy helps you deal with these expenses. Furthermore, it pays you in addition to the State Insurance Fund, ACAA and any other insurance you may have.

You can even include your partner and children in your policy.

Benefits

  • Hospitalization – no limit to the number of days.
  • At-home convalescence for the same number of days as you were hospitalized (No medical referral needed.)
  • Nursing care at home

Additional coverages to supplement your policy:

  • Serious Injuries – This optional coverage pays a lump sum for serious injuries caused by an accident.
    • Benefit for Emergency Room visit
    • Facial reconstruction surgery due to a traffic accident
    • Accidental loss of movement and rehabilitation (quadriplegia, paraplegia, hemiplegia and monoplegia)
    • Dislocation, fracture or an injury requiring sutures. It also includes payment for the follow-up visit and more.
  • Basket of Foods and Services – If the insured dies in an accident, this optional coverage pays a fixed monthly amount to the surviving spouse/domestic partner and children. This money can be used to cover basic expenses such as food and utilities, the children’s education, and more. This coverage can also be combined with our Hospitalization Due to an Illness policy.

Back to top

Accidental death or dismemberment

This accident insurance provides peace of mind to survivors in the event of the accidental death of the insured.

In addition, it gives you financial assistance if you suffer an accident and lose one of the following limbs or a combination thereof: hand, leg and/or vision.

If death is caused by a traffic accident, the benefit will increase by an additional $5,000 —provided that the insured was wearing a seatbelt at the time of the accident.

The basic policy provides individual coverage only. You can add coverage for your family, your spouse/domestic partner or your dependents under the same policy.

Additional coverages to supplement your policy:

  • Disability for periods of 6, 9 and 12 months (short-term disability)
  • $1,200 benefit for the first day of hospitalization due to an accident
  • Severe procedures – Covers the necessary medical treatment as a result of burns (2nd and 3rd degree), fractures, dislocations, mutilations, lacerations, eye injuries, and others
  • Term Life Insurance

We know that not all accidents are the same.

That’s why we offer a variety of customizable policies that can be tailored to your needs when you combine them with the different optional coverages available.

Request more information