Prevention is better than cure , says the popular saying. It is therefore more hiring a personal accident insurance, in order to be insured against unforeseen events that happen to us and its consequences.
The range of annual accidents is high in our country and never know when you will need to coverage offered by an insurance company.
If we are willing to buy insurance in this sector the first step, as in any major activity it is to compare well between the different offers we have at our disposal, knowing correctly what the are coverage that we provide in each case, differentiating which ones are essential to us, what are relevant and which are the less necessary for our case. Theinsurance agents that can go will be of good help in that regard.
We need to know first what cases are those considered as accidents. Not only they are integrated in this area the circulation, but many contingencies that we can cause serious injury or death as are assaults , cases ofasphyxiation by immersion and many more assumptions. The range of contingencies that can put us in a dangerous situation is practically unlimited.
essential coverage
Either way, there are certain coverages that we consider essential in an accident insurance: death or accidental dismemberment, disability permanent total, funeral expenses , ambulance expenses, daily rent forhospitalization , illness serious because of the loss ... A good insurance these should cover at least these cases. In that sense we must take into account other relevant coverages perhaps the first time are not we think ofthat may be included, as is the case of dental expenses ( it should be clear that part of the offer) or even expenses and student scholarships , in addition to many other extra amenities.
Get hold of adequate insurance to our personal and professional circumstances is key. Depending on our work, for example, there may be coverage necessary or dispensable. For example, for water activities , which for many willbe high but facing the maritime professional sector - from fishermen to buceadores- would be essential; the reference to minors , if we have children in our care; or specific for entrepreneurs and managers , to name just a few.
In the case of traffic accidents not only have to consider the scope that has a higher percentage of accidents -the suffered, for example, cars or motorcycles - but other cases much more unlikely but possible as can be a rail, sea or even a plane crash. Check if included in the insurance offer and if they can be of interest is another aspect to consider.
The economic factor
Money, of course, is another important factor to consider. We must know how much we want or we can spend, but always relating it to the capital they need to ensure quality and service that is offered to us. Perhaps 50 per year can make the difference between a good or poor coverage, so in some cases it is perhaps advisable to make a little effort and ensure the best possible insurance.
Continuing the economic aspect, the fact is that hiring an accident insurance usually is not expensive at all in Spain: between 100 and 200 euros per year in most cases, so it does not become an inaccessible policy far. It should be noted, though, that young people also have an easier time when an insurance of this type, as are those with economic offers tighter since their risk of any mishap is under the lower statistics. For the Third Age, however, hiring a policy in this area is far more complicated and, in some cases, impossible.
Another tip to consider is sure how the payment would be made by the insurer in the event that precisáramos after bad news. Often it is fractionated and possibly prefer (or need) to occur once. It is also essential to know how far the economic support that would allow us the company in the event of an accident, taking into account all possible scenarios come. And, obviously, we must review the contract either we go to sign before signing it, in order to ensure that everything is properly tied and clear.
The range of annual accidents is high in our country and never know when you will need to coverage offered by an insurance company.
If we are willing to buy insurance in this sector the first step, as in any major activity it is to compare well between the different offers we have at our disposal, knowing correctly what the are coverage that we provide in each case, differentiating which ones are essential to us, what are relevant and which are the less necessary for our case. Theinsurance agents that can go will be of good help in that regard.
We need to know first what cases are those considered as accidents. Not only they are integrated in this area the circulation, but many contingencies that we can cause serious injury or death as are assaults , cases ofasphyxiation by immersion and many more assumptions. The range of contingencies that can put us in a dangerous situation is practically unlimited.
essential coverage
Either way, there are certain coverages that we consider essential in an accident insurance: death or accidental dismemberment, disability permanent total, funeral expenses , ambulance expenses, daily rent forhospitalization , illness serious because of the loss ... A good insurance these should cover at least these cases. In that sense we must take into account other relevant coverages perhaps the first time are not we think ofthat may be included, as is the case of dental expenses ( it should be clear that part of the offer) or even expenses and student scholarships , in addition to many other extra amenities.
Get hold of adequate insurance to our personal and professional circumstances is key. Depending on our work, for example, there may be coverage necessary or dispensable. For example, for water activities , which for many willbe high but facing the maritime professional sector - from fishermen to buceadores- would be essential; the reference to minors , if we have children in our care; or specific for entrepreneurs and managers , to name just a few.
In the case of traffic accidents not only have to consider the scope that has a higher percentage of accidents -the suffered, for example, cars or motorcycles - but other cases much more unlikely but possible as can be a rail, sea or even a plane crash. Check if included in the insurance offer and if they can be of interest is another aspect to consider.
The economic factor
Money, of course, is another important factor to consider. We must know how much we want or we can spend, but always relating it to the capital they need to ensure quality and service that is offered to us. Perhaps 50 per year can make the difference between a good or poor coverage, so in some cases it is perhaps advisable to make a little effort and ensure the best possible insurance.
Continuing the economic aspect, the fact is that hiring an accident insurance usually is not expensive at all in Spain: between 100 and 200 euros per year in most cases, so it does not become an inaccessible policy far. It should be noted, though, that young people also have an easier time when an insurance of this type, as are those with economic offers tighter since their risk of any mishap is under the lower statistics. For the Third Age, however, hiring a policy in this area is far more complicated and, in some cases, impossible.
Another tip to consider is sure how the payment would be made by the insurer in the event that precisáramos after bad news. Often it is fractionated and possibly prefer (or need) to occur once. It is also essential to know how far the economic support that would allow us the company in the event of an accident, taking into account all possible scenarios come. And, obviously, we must review the contract either we go to sign before signing it, in order to ensure that everything is properly tied and clear.
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