Work incapacity insurance

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Previsión Mallorquina Claims Line: within Extremadura and Andalusia:

954 571 013

Rest of Spain:

934 150 898

This insurance product offers the following guarantee sums.

  • Principal guaranteed sum: Daily allowance paid to the insured party in the event of temporary incapacity for work that makes it impossible for said individual to carry out their usual professional or working activity as the result of an illness and/or accident.
  • Optional guaranteed sum: Daily allowance received if hospitalised. This is in addition to the principal guaranteed sum and the two are not mutually exclusive.

Other features:

  • General features:
    • Range of voluntary payment deferment periods: no deferment (no waiting period), 3, 4, 7, 10, 15, 20 and 30 days.
    • No grace periods (immediate entitlement), with the exception of birth or caesarean, in which a grace period of 12 months is applied.
    • No medical check-up required. You just have to fill out a health questionnaire.
    • Compensation paid per calendar day. Cover per process up to 365 days.
    • Daily allowances of up to €400 (maximum limit according to risk group).
    • Advances available against final compensation.
  • Cover:
    • Cover all around the world.
    • No convalescence limit.
    • Childbirth or caesarean: one-off allowance of 21 days (deducting any deferment period applied).
    • Coverage of muscular-skeletal processes (cervicalgia, lumbalgia,...).
    • Chronic diseases/illnesses (provided they are not pre-existing conditions).
    • Driving and use of motorcycles (driver/passenger).
    • Practice of non-professional sports, including in sporting competitions.
    • Cover for mental illnesses and/or disorders and behavioural disorders with uninterrupted psychiatric commitment, cover up to 90 days.
    • Once the maximum cover period has expired (for a single process), you will continue to receive the insured allowance if 12 months pass between the start of the last claim and the end of the consecutive one.
Insurance provided by LA PREVISIÓN MALLORQUINA de Seguros, S.A., with some or all of the cover indicated, through CAJAMAR INTERMEDIADORA, Operador de Banca-Seguros Vinculado, S.L. (CIF: B04428223), entered in the D.G.S. y F.P. insurance and pension funds register with administrative code no.: OV0014, with Public Liability insurance in place, pursuant to art. 21, point 3, section h) of Act 26/2006, of 17 July.
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