Financial protection in case of incapacity: insurance that guarantees your peace of mind

Jan 20, 2025 | News

Facing a serious illness, an accident or any situation that limits our ability to work can generate great uncertainty in our lives, especially when it comes to maintaining family or professional economic stability. To protect ourselves against these unforeseen events, insurance designed to cover situations of disability offers a key solution, guaranteeing a source of income that allows us to cover essential expenses and adapt to new circumstances.
Below, we present a summary of the available insurance solutions adapted to different scenarios so you can choose the best protection for your needs and circumstances..

1. Temporary Disability Insurance

This insurance offers daily compensation depending on the diagnosed pathology, to cover the loss of income during the period when the person is unable to work due to a temporary illness or accident. Especially useful for self-employed professionals, as well as deductible expenses. Here we provide you with more information. Main features:
– Coverage for common illnesses, occupational and non-occupational accidents.
– Flexibility in the amount of the insured income.
– You receive the payment of the compensation in advance without the need to confirm the date of registration to the insurer.

2. Permanent Disability Insurance

It provides financial compensation if the insured person is left in a situation of disability that limits or prevents his or her ability to work, distinguishing between:
• Absolute Permanent Disability: When the person is unable to exercise any paid profession. Coverage may include the payment of a single principal or rent each month. • Total Permanent Disability: When the person is incapacitated for their usual profession, but can perform other work activities. It offers financial compensation to cope with the reduction in income by developing a different profession.
Additional benefits:
o Coverage for home or vehicle adaptation.
o Income for rehabilitation or medical needs.
o High insured capital to protect the family’s economic stability.

3. Income Protection Insurance due to Dependency

Designed to protect people who, due to an accident or illness, need continuous care or lose their autonomy. • Key coverage:
o Payment of an indemnity (sum insured) that allows you to deal with the financial consequences, for example, contracting home care or admission to specialized centers, or help for family members or caregivers.

4. Severe Illness Insurance

It offers a single capital or a monthly income if the insured is diagnosed with a serious illness such as cancer, heart attack or degenerative diseases. • Uses of the insured capital:
o Advanced or experimental medical treatments.
o Replacement of income during the convalescence period.
o Adaptation of the home or work environment.

5. Savings Funds or Guaranteed Income Plans

These financial products allow you to create an economic cushion for unforeseen events:
• Savings funds linked to insurance: Periodic contributions to generate capital available in emergencies. • Life annuities: They generate recurring income from accumulated capital, guaranteeing liquidity in the event of disability. Key things to consider
1. Assess specific needs: Analyze family income and expenses, and define the desired level of coverage.
2. Compatibility with public benefits: Many of these insurances complement Social Security benefits.
3. Personalisation and flexibility: Choose products that fit the professional and personal profile of the insured.
4. Duration of coverage: Guarantee protection for both temporary and permanent situations. Here you can ask us for more information about life insurance with coverage for permanent disability and serious illnesses.

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