The advantages of having personal accidents insurance

Accidents happen when we least expect them.

Someone could be the victim of an accident on the street, at work, at home, or while playing sports. If the accident is serious, you will probably need medical attention. However, your health insurance plan doesn’t cover everything, and you would have to incur in some unforeseen expenses.

What is Accident insurance?

Accident insurance is a coverage that pays a sum of money directly to the Insured when they suffer any injury due to an accident. This helps them cover unforeseen expenses. It’s an additional support to the one they receive from the State Insurance Fund, ACCA or any other insurance.

What are the advantages of having this protection?

1. Financial support for unforeseen expenses caused by an accident

Medical care for an accident can be costly. And there are certain unforeseen expenses to pay. Therefore, receiving financial support will help greatly.

2. Protection option for the whole family

With this type of insurance, you can protect both yourself and your family in case of accidents.

3. Payment given directly to the Insured or their beneficiaries

Unlike other plans and insurances, the payment of a supplementary insurance policy is delivered directly to the Insured or their beneficiaries.

4. Peace of Mind

Knowing that you have the protection of an Accidents insurance will reduce you worries and grant you peace of mind.

5. Source of family income when the Insured perishes or is unable to work due to an Accident

Accidents insurance could provide financial support for both medical expenses and other costs, such as food and basic services.

Which coverage is best for me?

TOLIC’s Accidents Policy

At TOLIC, we are committed to your well-being. Therefore, we offer you an Accidents policy that helps you face unforeseen expenses, paying the benefits directly to you. Some of these unforeseen expenses include: hospital, therapies, special medical equipment, deductibles, medications, among others. This policy covers: Emergency Room Visits (up to 4 visits per policy year), Intensive Care, Hospitalization, Income for Recovery after a Hospitalization, Income for Recovery after Outpatient Surgery, Follow-up Medical Treatment, Accidental Death or Dismemberment, and Atmospheric Events.

You can customize your coverage even more by combining it with a variety of additional coverages available. You can also combine it with our Accidental Death or Dismemberment Policy.

TOLIC’s Accidental Death or Dismemberment Policy

With the Accidental Death or Dismemberment Policy, TOLIC will pay the benefit established for the Accidental death or Dismemberment of the Insured due to an accident. The Accidental death or Dismemberment must occur within ninety (90) days from the date of the Accident, as a direct result of the Injuries received and without taking into consideration any other causes. Depending on the plan you select, you will receive the benefits, which pay from $10,000 up to $70,000.

Also, TOLIC will pay the designated beneficiary $5,000 for the Death of the Principal Insured as a result of a car Accident, provided that it is officially confirmed, through a Report from the Puerto Rico Police or the Institute of Forensic Sciences, that the latter was wearing their seatbelt at the time of the Accident. In addition, with the Life Insurance endorsement, TOLIC will pay $10,000 to the Principal Insured, $7,000 to their Spouse/Partner, or $1,000 to the Dependent Child (if benefits were acquired for these) for any cause of non-accidental death. This endorsement applies to both accidental and non-accidental deaths.

For more information, visit our website or email us to contact one of our representatives ( And find out why, at TOLIC, we are Going Beyond Insurance.


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En TOLIC tenemos la obligación de enviar la Informativa 480.7F, a todos los clientes comerciales y cuenta propistas, para los pagos de prima de Aportaciones a planes de salud o accidentes durante el año Contributivo 2023.

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