Seguro Accidentes - Mutualidad

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Characteristics

Coverage under this policy

You have the flexibility to take out accident insurance in the event of death, or total or partial permanent disability, or for both cases at the same time. In addition, if you wish, you can add the optional cover for death or total or partial permanent disability due to traffic accident (double capital).

Insured capital

6 levels of compensation. 100,000, 125,000, 150,000, 200,000, 250,000 or 300,000 euros are the insured capital options you can choose for both coverages of the Mutualidad Accident Insurance (death and/or permanent and absolute disability). And remember that the pay-out can be received in the form of a lump sum or an annuity.

Very low price

Did you know that by paying only €10.59 per month you can have a capital sum of €150,000 in the event of an accident under all the policies? Moreover, as this Accident Insurance is flexible, you will only pay your premiums in the contingencies that you need.

Tax advantages for self-employed

If you are self-employed, you can deduct the contributions for death or disability cover as an activity in the IRPF (Personal Income Tax). In addition, the benefits are taxed as employment income for the self-employed.

Premiums

You decide what coverage and insured capital you want to contract, being able to modify based on your personal needs. Discover how little it costs to ensure your peace of mind.

Monthly premium*
Sum insured	Permanent disability	Death	Permanent disability Death	Permanent disability due to traffic accident	Death due to traffic accident	All coverages
100,000	0.88	3.27	4.15	0.62	2.29	7.06
125,000	1.1	4.09	5.19	0.77	2.86	8.82
150,000	1.33	4.9	6.23	0.93	3.43	10.59
200,000	1.77	6.54	8.31	1.24	4.58	14.13
250,000	2.21	8.17	10.38	1.55	5.72	17.65
300,000	2.65	9.81	12.46	1.86	6.86	21.18
* Coverage can be taken out jointly or individually. * Does not include Consortium and CLEA (Spanish commission in charge of liquidating insolvent insurance companies), which will be paid in the first bill of each anniversary of the policy (maximum €3.36 per year). Amounts expressed in euros.

Coverage for Permanent disability due to accident

Absolute Permanent Disability	Guarantees you the payment of an annuity or a single sum insured for the sum insured of your choice, in the event that due to an accident you are no longer able to carry out your profession or any other profession.
Partial Permanent Disability	Guarantees you the payment of a percentage of the insured sum for the injuries or anatomical-functional losses of permanent character, depending on the seriousness of the same, according to the scale included in the contract.
Additional Coveraget	Implantation of orthopaedic prosthesis, if necessary, up to 5,000 euros. Reconstructive plastic surgery up to 2,500 euros. Adaptation of the home, office and/or car up to 2,500 euros.
Optional coverage of Permanent Disability due to traffic accident	The Mutualidad doubles the value of the benefit in the event that the contingency occurs in the following cases: As a pedestrian when the accident is caused by a vehicle. As a driver, passenger or user of a land vehicle.

Death due to accident coverage

Death	Guarantees the beneficiaries the payment of an annuity or a single capital sum for the sum insured of your choice
Optional cover for death in road traffic accidents	The Mutualidad doubles the value of the pay-out if the incident occurs in the following cases: As a pedestrian when the accident is caused by a vehicle. As a driver, passenger or user of a land vehicle.

Additional Coverage

In the event of death, and provided that the accident is covered by the policy, this insurance automatically includes an advance of up to 5,000 euros for funeral expenses as well as legal advice. On the other hand, in cases of permanent disability, the following additional coverage has been established: implantation of orthopaedic prosthesis up to 5,000 euros and reparative plastic surgery, adaptation of the home, office and/or car up to 2,500 euros.

What do I need to do to take out the policy?

If you are already a member, you can apply for this product by logging into your user area.

If you are not yet a member, you can sign up for this product by downloading and completing the application form.

Download application

Documentation extra

Product sheet

Regulation

Recruitment / modification request

Previous informative note

Frequently Asked Questions

Any accidental event, originated by an external, sudden, violent cause and through no fault of the insured person that causes bodily harm to their person.

This Accident Insurance will cease to have effect once you reach the age of 70 and the period corresponding to the last instalment paid has ended or when you make use of it; that is to say, when one of the covered contingencies occurs.

This product is aimed at people over 14 and under 65 years of age. For people outside this age group, we have other equally interesting financial products, so don’t hesitate to find out more about them on this website!

Our accident insurance goes with you anywhere… because the insured person is insured anywhere in the world! So no matter where you are, if you are involved in an incident, Mutualidad will be there to help you.

Optional extras can be taken out for disability and death coverage:

For the latter, you can request an advance of up to 5,000 euros for the burial as well as tax and legal advice for the beneficiaries.
For disability you can receive up to 5,000 euros for the implantation of orthopaedic prostheses and up to 2,500 euros for reconstructive plastic surgery, adaptation of the home or office as well as the vehicle.

It will depend on the premiums you have been paying, which are proportional to the compensation, and range from 100,000 to 300,000 euros. In addition, in the event of a traffic accident, provided that the corresponding extra cover has been taken out, you will receive double the compensation.

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