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Accidents at work

Insurance against accidents at work

Occupational accident insurance is compulsory insurance by law*, it is an essential protection for both employers and employees.

Why should you take out Workmen's Compensation insurance?

  • An accident at work can jeopardise the dynamics of a company by reducing the working capacity caused by employee absenteeism.
  • When the unexpected happens, it is essential to have mechanisms in place to ensure the best protection for employees, minimising the impact of a workplace accident on the organisation.
  • The Work Accident insurance guarantees the protection of employees for accidents occurring at the workplace or during the journey between home and work and vice versa, and which result in bodily injury, functional disorder or illness, reduced working capacity, or death.
  • By law, it is mandatory for both employees and self-employed workers to take out this insurance, but although it offers uniform coverage, it can include extensions that increase its scope and suit the specific needs of each company - territorial extension, coverage of social or sports activities, or others.
  • For companies, it is a guarantee of financial protection by transferring responsibility for the costs and charges arising from accidents at work.
  • Regardless of the company's area of activity, size or number of employees, we guarantee the most efficient solution for protecting your employees, wherever they are - in Portugal or abroad.

** Law no. 98/2009 of 4 September, which regulates the regime for compensation for accidents at work and occupational diseases under the terms of article 284 of the Labour Code, approved by Law no. 7/2009 of 12 February.

Guarantees of the labour accident insurance policy:

  • Housing readaptation allowance
  • Psychological and psychiatric assistance to the injured person and their family.
  • Absolute/Partial Temporary Disability
  • Absolute/Partial Permanent Disability
  • Medical, surgical, pharmaceutical and hospital services
    Death grant
  • Funeral Expenses
  • Permanent pensions due to permanent incapacity
  • Survivors' pensions for family members/entitled persons
  • Treatment costs (accommodation and transport)
  • Vocational and social rehabilitation and reintegration, including job adaptation
  • Subsidy for the attendance of actions in the field of vocational rehabilitation necessary and appropriate for the reintegration of the injured person into the labour market.

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