Personal Accident Insurance Spain
↓ Jump to Frequently Asked QuestionsPersonal accident insurance in Spain from Generali — lump sum payouts for accidental death, permanent disability, daily benefits and medical expenses. Affordable, fast to set up, and a strong complement to your life and health cover. English-speaking agents in Javea.
Get a Personal Accident Quote → Quick Answer. Personal Accident Insurance in Spain
Mandatory?No — voluntary protection
Typical premium€180–€1,080 / year
Lump sum cover€30,000 to €500,000+
Daily benefit€30–€150 per day available
Worldwide coverYes — 24/7 globally
Spanish Insurance Law: Personal Accident Insurance. Key Facts, Limits & Exclusions
The legal framework, specific waiting periods, exclusions and citations every prospective policyholder should know. Sources are linked inline to the BOE (Boletín Oficial del Estado) and Spanish regulators.
Legal framework
Spanish personal accident insurance is governed by Ley 50/1980 de Contrato de Seguro, Articles 100–104, which define an accident as "corporal injury caused by a sudden, external, violent and involuntary event, independent of the will of the insured".
All insurers must be authorised by the Dirección General de Seguros (DGS). Personal accident is a separate contract from health and life insurance — it pays a fixed lump sum or daily benefit on defined accident outcomes regardless of any other policies you hold.
Standard cover components
A typical Spanish personal accident policy covers four named outcomes:
- Accidental death (capital por fallecimiento)
- Permanent total disability (invalidez permanente absoluta)
- Permanent partial disability (invalidez permanente parcial — paid as a percentage of capital based on the official baremo scale under Article 104)
- Temporary total disability (incapacidad temporal — daily benefit while unable to work). Optional extras typically include accident-related medical expenses (€1
- 500–€15
- 000)
- Hospitalisation daily benefit
- Repatriation of remains
- Dental treatment from accident
Standard exclusions
Under Ley 50/1980 Articles 19 and 102, the standard exclusions across all Spanish accident policies are:
- Suicide and self-inflicted injury (Article 19)
- Accidents while intoxicated above legal limits
- Fights or aggression initiated by the insured
- Professional and competitive sport (unless specifically declared and rated)
- Nuclear
- War and terrorism (extraordinary risks fall under the Consorcio de Compensación de Seguros)
- Illness
- Surgery complications and mental health conditions (these are not accidents under Spanish law)
- Accidents during commission of a criminal offence. Always read your condiciones particulares carefully and declare all sporting activities and occupational risks
Tax treatment and beneficiaries
Lump sums paid on accidental death are normally subject to Impuesto sobre Sucesiones y Donaciones (ISD) in the hands of the named beneficiary, with regional variations across Spain — many comunidades autónomas apply 99% reductions for spouses and children.
Disability lump sums to the insured are normally treated as compensación (compensation) and are free of IRPF up to the official limits set by Article 7.d of Ley 35/2006 IRPF. Premiums paid by an employer for staff are deductible up to €500/year per insured (€1,500 if disabled). Premiums paid by autónomos for occupational accident cover are deductible as a business expense. Always confirm with a Spanish gestor.
Personal Accident Insurance Spain. Generali Accidentes Personales
Personal accident insurance (Seguro de Accidentes Personales) provides a fixed lump-sum payout when an accident causes serious harm — death, permanent disability or temporary inability to work. It is one of the most affordable insurance products on the Spanish market and a particularly important one for active expats on the Costa Blanca.
Whether you are an autónomo whose income depends on physical activity, a parent who wants accident-specific protection alongside your life cover, an active retiree who walks, hikes, sails or plays sports, or simply someone who wants serious-money protection that pays out fast on a clear-cut event — personal accident insurance is worth understanding. Generali offers Accidentes Personales as a stand-alone product or bundled with health and daily-benefit cover.
Personal accident insurance pays a fixed cash lump sum. It is independent of any health insurance, life insurance or social security entitlement you may have — and for accidental death often pays alongside life insurance, doubling the protection for surviving family. Premiums are typically 30–50% lower than equivalent life cover. Get a personal accident quote →
Personal Accident Insurance Spain. What is Covered
Here is what you need to know.
- Accidental death (capital por fallecimiento): A lump sum paid to your named beneficiaries if death is caused by a covered accident. Capital sums available from €30,000 to €500,000+. Cover is 24/7, worldwide, on all activities not specifically excluded
- Permanent total disability (invalidez permanente absoluta): A lump sum if an accident leaves you permanently unable to work — typically equal to or a multiple of the death capital. Independent of any social security disability rating. Premium tiers can pay 200% or 300% of the base capital to reflect the lifelong financial impact
- Permanent partial disability (invalidez permanente parcial): A percentage of the insured capital based on the official baremo scale under Article 104 — e.g. loss of an eye 30%, loss of a hand 60%, loss of a foot 50%, loss of speech 70%. The scale is identical across the Spanish industry
- Temporary total disability (incapacidad temporal): A daily cash benefit while you are unable to work due to a covered accident — typically €30–€150/day, payable from day 8 up to a maximum of 365 days per claim. Particularly valuable for autónomos with no Spanish social security sick pay
- Medical expenses from accident: Reimbursement of medical, surgical, pharmacy and rehabilitation costs incurred from a covered accident — typically €1,500 (basic) to €15,000 (premium) per claim. Includes physiotherapy, prosthetics, specialist consultations and emergency dental work
- Hospitalisation daily benefit: A daily cash benefit for each night spent in hospital following an accident, typically €30–€100/day for up to 90 days. Stacks on top of any health insurance and helps cover real-world costs (family travel, childcare, lost income)
- Worldwide 24/7 cover: Cover for accidents wherever they happen — at home, at work, on holiday or while travelling abroad. Most policies provide worldwide cover for trips up to 60–90 days
- Standard recreational sports: Cycling, running, swimming, gym, yoga, hiking, recreational skiing and golf are typically covered as standard. Higher tiers include broader sports cover including diving, tennis, sailing and martial arts
Optional Extras. Personal Accident Insurance Spain
- Increased capital sums: Multipliers of 2× or 3× on permanent total disability — paid where lifelong loss of income is the realistic outcome. Standard on premium tiers, optional on mid-tier policies
- Family policy structure: Add spouse and children (1–17, or up to 25 if in full-time education) to a single policy at significant discount — typically 30–50% cheaper than individual policies. Children's death cover capped at funeral expenses for under-14s under Article 83 Ley 50/1980
- Repatriation of remains: Cost of returning remains to home country if accidental death occurs abroad. Typically up to €15,000. Important for expats whose families may want burial or cremation in country of origin
- Funeral expenses: Lump sum towards funeral costs in addition to the accidental death capital — typically €3,000–€10,000. Useful where the main capital is earmarked for survivors' financial needs
- Dental treatment from accident: Reimbursement of dental treatment needed after an accident — broken or lost teeth, dental implants, reconstructive work. Particularly relevant for cycling and active sports accidents
- Plastic surgery: Reconstructive plastic surgery following accident-related injuries — facial scarring, burns, soft tissue damage
- Full sports cover: Extension to cover specifically declared activities — competitive sport, motorsports, scuba diving, climbing, paragliding and similar. Premium loading applies but ensures full cover during participation
- Worldwide medical assistance: 24/7 multilingual medical helpline — medical advice, hospital coordination, transport arrangements and family support during accidents abroad
- Psychological support: Up to 12 sessions following a covered accident or witnessing one — increasingly common in modern Spanish accident policies
- Whiplash and minor injury cover: Specific lump sums for minor permanent injuries that fall below the standard baremo threshold — useful for road traffic accidents where injury is real but not life-changing
How to Get a Quote
We make getting a quote simple and fast.
- Call or email us — ring 966 461 625 or email info@turnerinsurance.es. Our English-speaking team is available Monday to Friday, 09:30–15:00.
- Tell us your situation — we will ask a few quick questions about what you need to cover, your age, location, and any existing policies you hold.
- We compare options — as authorised Generali agents, we present the plans that match your needs and budget. No pressure, no obligation.
- Your policy is set up — once you are happy, we arrange everything and send your certificate and English-language policy documents promptly.
Personal Accident Insurance Cover Levels
| Cover level | What is included | Best for |
|---|---|---|
| Basic | Accidental death and permanent total disability up to €30,000–€60,000. Standard exclusions apply | Affordable accident-specific protection on a tight budget |
| Standard | All Basic benefits up to €100,000, plus partial disability scale, medical expenses €5,000, daily benefit €60/day | Most common choice — balanced protection for working-age adults |
| Premium | Capital up to €500,000 with 2× multiplier on total disability, medical expenses €15,000, daily benefit €150/day, repatriation, dental, plastic surgery | Higher-income earners, autónomos, active expats |
| Family policy | Two adults + children on one contract — typically 30–50% cheaper than individual policies. Children's death cover capped to funeral costs for under-14s | Families wanting blanket accident protection at low cost |
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Approximate Personal Accident Insurance Pricing
Annual premiums for a working-age adult, no high-risk occupation, standard recreational sports declared:
Basic
from €180/yr
- €30,000 accidental death
- €60,000 total disability
- Partial disability (baremo)
- Worldwide 24/7 cover
- Standard recreational sports
Most Popular
Standard
from €420/yr
- €100,000 accidental death
- €100,000 total disability
- €5,000 medical expenses
- €60/day disability benefit
- €60/day hospital benefit
Premium
from €840/yr
- €250,000+ accidental death
- 2× total disability multiplier
- €15,000 medical expenses
- €150/day disability benefit
- Repatriation, dental, surgery
Prices shown are typical Spanish market starting points and depend on age, occupation, declared activities and your individual circumstances. Higher-risk occupations (construction, fishing, motorsports) and competitive sport participants attract loadings. Contact us for a free personalised quote. Family policies (two adults plus children) typically save 30–50% versus individual cover.
Frequently Asked Questions. Personal Accident Insurance in Spain
These are the most common questions we receive.
Personal accident insurance is one of the most misunderstood products in the Spanish market — particularly for expats from the UK and Ireland where similar standalone products are less common. These answers cover the typical questions we get.
No — for individuals, personal accident insurance is voluntary. It is mandatory in some specific contexts: federated sports licences (Real Decreto 849/1993 requires accident cover for licensed sportspeople), regulated professions with high physical risk, and many employer-paid"Convenio Colectivo" schemes for sectors like construction and hospitality. For a private individual, accident cover is purely a personal protection choice, but is far cheaper than full life insurance for the accident-specific risks.
A life insurance policy pays a lump sum on the death of the insured from any cause — accident, illness or natural causes. A personal accident policy pays only when death or disability is caused by a sudden, external, violent, involuntary event (an accident) as defined under Articles 100–104 of Ley 50/1980. Premiums for personal accident are typically 30–50% lower than equivalent life cover because the insurer is taking on a narrower risk. Many of our clients hold both — life insurance for general protection plus personal accident as an affordable top-up.
Health insurance pays for medical treatment costs (hospitalisation, surgery, consultations) regardless of cause. Personal accident pays a fixed cash lump sum when an accident causes specific outcomes — death, total disability, partial disability or temporary disability — independent of any medical bills. The two are complementary: health insurance treats you, personal accident replaces lost income and pays compensation. Generali Accidentes Personales also includes a medical-expenses-from-accident benefit (typically up to €3,000–€10,000) which sits alongside any health policy.
Standard recreational sports — cycling, running, swimming, gym, hiking, skiing — are typically covered as standard. Professional or competitive sport, motorsports, contact sports (boxing, MMA), parachuting, paragliding, scuba diving below 30m and similar high-risk activities are usually excluded unless specifically declared and rated. We recommend declaring all regular sporting activities at the application stage. For federated sports licences in Spain (golf, sailing, cycling, skiing) the federation usually issues a basic accident policy as part of the licence — but this is rarely sufficient on its own.
No — they are different products. Accidental death cover (within a personal accident policy) pays only if death is caused by an accident, defined narrowly under Spanish insurance law. A life insurance policy pays out on any death (with limited exclusions like the first-year suicide clause and undisclosed material conditions). Premium levels reflect this — accidental death cover for €100,000 capital might cost €150–€250/year for a healthy 45-year-old, while equivalent life cover would be €250–€450/year. The two products work well together, with no double-coverage problem on accidental death.
Permanent disability cover pays a lump sum if an accident leaves the insured with lasting impairment. Spanish policies use the official baremo (disability scale) under Article 104 of Ley 50/1980 to determine the percentage paid. Total permanent disability (invalidez permanente absoluta) typically pays 100% of insured capital; partial disability pays a percentage based on the body part affected — e.g. loss of an eye 30%, hand 60%, foot 50%. Higher-end policies pay 200% or even 300% for total disability to reflect the lifelong financial impact.
Yes — family policies can include children from age 1 to 17 (some insurers up to 25 if in full-time education). Children's cover focuses on medical expenses, hospitalisation daily benefit, dental from accident, and partial disability cover; death cover is typically capped at funeral expenses for under-14s under Article 83 of Ley 50/1980. School trips, sports clubs and cycling accidents are common claim scenarios. A family policy for two adults plus two children typically costs 30–50% less than four separate individual policies.
Yes — most Spanish personal accident policies provide worldwide 24/7 cover for accidents occurring during temporary visits abroad, typically up to 60–90 days per trip. The cover continues to pay benefits in Spanish euros under the Spanish policy. Note this is not a substitute for travel insurance, which covers trip cancellation, lost luggage, repatriation logistics and broader medical emergencies. Many of our expat clients hold both — accident insurance for permanent personal protection, travel insurance for the trip-specific needs.
Temporary total disability cover (incapacidad temporal por accidente) pays a daily cash benefit while you are unable to work due to an accident. Typical benefits range from €30 to €150 per day, payable from day 8 of the disability up to a maximum of 365 days per claim. There is usually a 7-day waiting period (franquicia). This is particularly valuable for self-employed expats (autónomos) who do not receive Spanish social security sick pay during the early days of an incapacity. Combined with our Daily Benefit (Subsidio) policy, you can build a comprehensive income-replacement safety net.
Yes. Generali Accidentes Personales includes reimbursement of medical, surgical, pharmacy and rehabilitation costs incurred as a result of a covered accident. Standard limits range from €1,500 (basic tier) to €15,000 (premium tier) per claim. Treatment can be received at any medical facility, public or private, with reimbursement on production of receipts. Includes physiotherapy, prosthetic devices, specialist consultations and emergency dental work. This sits independently of any health insurance you may hold.
Yes — and most insurance professionals recommend this combination. Life insurance covers the broad risk of death from any cause; personal accident adds extra capital paid specifically on accidental death (often 100% or 200% additional), plus the disability and daily benefits that pure life insurance does not provide. Under Spanish law there is no"double recovery" problem — both policies pay as agreed because they are different contracts covering different defined events. Premiums for both combined are typically still less than a single high-end life policy.
Standard exclusions across the Spanish market include: suicide and self-inflicted injury (Article 19 Ley 50/1980), fights or aggression initiated by the insured, accidents while intoxicated above the legal driving limit, professional and competitive sport (unless declared), nuclear/war/terrorism (extraordinary risks fall under the Consorcio de Compensación de Seguros), illness, surgery complications, mental health conditions, and accidents while committing a criminal offence. Pre-existing physical limitations may be excluded for partial disability calculations. Always read your condiciones particulares carefully.
For accidental death, a common rule of thumb is 5–10× annual income, mirroring life insurance guidance — typically €100,000–€500,000 for working-age adults. For permanent disability, consider that the lump sum needs to support you for life if total disability strikes — €200,000–€500,000 is common. For temporary daily benefit, match it to your typical monthly outgoings divided by 30 — €60–€100/day is the most popular range. Family responsibility (partner, children, mortgage) is the strongest factor. We help work through realistic figures based on your circumstances.
For employees, premiums paid by an employer as a benefit can be tax-deductible up to €500 per insured per year (€1,500 if disabled) under Article 42.3 of Ley 35/2006 IRPF. For self-employed (autónomos) workers, accident insurance premiums for the policyholder are generally deductible as a business expense if the policy specifically covers professional activity. For private individuals paying personally, accident insurance is not directly deductible. Pay-out lump sums are usually free of IRPF for the beneficiary in case of accidental death; disability lump sums depend on the specific tax classification. Always check with a Spanish gestor.
It depends on the policy wording, but most home-country accident policies have territorial limits or expat exclusions. UK, Irish, Dutch and Belgian policies typically remain valid while you are tax-resident in your home country, but lapse or restrict coverage once you become a Spanish resident — even if premiums are still being paid. A Spanish-issued policy under a DGS-registered insurer (Generali, Mapfre, DKV, etc.) ensures cover applies wherever you are, with claims handled in Spain in euros. We recommend reviewing existing cover whenever you move countries — many of our new clients discover their old policy stopped working months ago.
More questions? Visit our complete FAQ centre with 90+ detailed guides, or contact us for free English-speaking advice.
How This Compares to the Competition
Honest comparisons help you make an informed choice. These figures are typical Spanish-market starting points and depend on age, area, cover level and individual circumstances.
Generali Accidentes Personales vs Mapfre Accidentes and DKV Accidentes
How Generali's personal accident product compares against Mapfre and DKV — three of the most established Spanish accident insurers. All offer DGS-registered policies under Articles 100–104 of Ley 50/1980.
| Feature | Generali Accidentes | Mapfre Accidentes | DKV Accidentes |
|---|---|---|---|
| Accidental death cover | Up to €500,000+ | Up to €400,000 | Up to €350,000 |
| Permanent total disability | 100% (200%/300% optional) | 100% (200% optional) | 100% |
| Partial disability (baremo) | Yes. Article 104 scale | Yes. Article 104 scale | Yes. Article 104 scale |
| Daily benefit (incapacidad temporal) | €30–€150/day, up to 365 days | €30–€120/day, up to 365 days | €30–€100/day, up to 180 days |
| Medical expenses limit | Up to €15,000 | Up to €12,000 | Up to €9,000 |
| Worldwide 24/7 cover | Included | Included | Included up to 60 days/trip |
| Repatriation of remains | Up to €15,000 | Up to €12,000 | Optional add-on |
| Family policy discount | 30–50% off individual | 25–40% off individual | 20–35% off individual |
| Premium 35-yr-old, €100k cover | ~€220/year | ~€260/year | ~€235/year |
| Premium 55-yr-old, €100k cover | ~€380/year | ~€440/year | ~€405/year |
Comparisons are based on publicly available product literature and our experience placing policies across the Spanish market. Premium estimates assume a healthy applicant on the Costa Blanca with no significant claims history. Contact us for a personalised, like-for-like quote.
Sources & References
This page references the following official Spanish regulatory and legal sources. These are the authoritative bodies and laws governing insurance products in Spain:
- Dirección General de Seguros y Fondos de Pensiones (DGS). Spanish insurance regulator. Confirms registration of insurance brokers (Andrew Turner: Registry C0467B54657010) and authorises all insurance products distributed in Spain.
- Ley 50/1980. Ley de Contrato de Seguro (BOE). Spanish Insurance Contract Law. The primary legal framework governing all insurance contracts in Spain — defines duties, claims, cancellation rights and disclosure obligations.
Personal Accident Insurance Spain. English-Speaking Support in Javea
GENERALI ACCIDENTES PERSONALES · LUMP-SUM PROTECTION · FREE ENGLISH-SPEAKING ADVICE