DKV Renta Baremado

It is an insurance that guarantees you a financial provision. It will be applied if you experience a temporary incapacity to work that prevents you from doing your usual job. This can be caused by an illness or an accident. The provision varies according to the insured capital.

• Income insurance guarantees temporary disability. Covering the worker's loss of income due to an illness or accident

• Hospitalisation. For every day that you are hospitalised, you will receive a compensation as of the first 24 hours up to 365 days later

• Legal intervention. DKV Seguros guarantees the insured person a single financial provision. The amount is calculated by applying the insured capital for the cover of surgical procedures reflected in the special terms and conditions

• Total and permanent disability. Total and permanent disability is the irreversible physical situation caused by an illness or accident

• Medical assistance in the event of an accident. Provided that they are derived from an accident covered by the policy.

The duration of the contract stipulated in the policy is annual and can be extended, but the payments may be made monthly, quarterly or every six months.

You should notify us of the change in your situation as soon as possible to be able to recalculate the insurance premium according to the new activity, which may represent an increase or decrease in the price depending on the level of risk that this new activity represents. This way we will avoid any problems or confusion during the claims procedure.

1. Once the contract has been signed and the first instalment has been paid, it will take effect and end on the dates established in the specific terms and conditions. It will be renewed each year unless one of the two parties (the contracting party or the company) states otherwise.

2. In addition, the contract will terminate: · At the end of the year when the insured person reaches the age of 70.

3. When the insured person becomes disabled or permanently unable to carry out his profession, or when he requests recognition of this state, or receives a pension, service provision or compensation for said cause.

4. When the insured person is retired, unemployed or in a similar situation, or ceases all their professional or labour activities.

The upper age limit is 70, except for cover for permanent and total disability, which is 65 years of age

They are the illnesses, accidents, circumstances, alterations, activities, etc. that are not covered in the policy and that, therefore, do not grant the right to a provision. The excluded risks are agreed with you when signing the policy, and they are highlighted in bold type.

For example:

• Any type of illness that already existed when the insurance plan was taken out.

• "Additional cover"

• Pregnancy, abortion and puerperium.

• Illnesses or injuries caused in a state of inebriation or due to alcoholism, drug addiction or taking drugs or medicines without prescription.

You can choose from different options. The particular conditions specify the coverage contracted and the maximum guaranteed period.

Although childbirth is not considered an illness, mothers that are insured for over eight months will receive a provision on this account. It will be required having contracted one of the following guarantees: daily temporary disability, scaled temporary disability, hospitalisation or surgical procedure, with the scope and conditions established in each guarantee.

After presenting the claim form, the medical leave report and the rest of the requested documentation, and when DKV Seguros recognises the right to the provision and checks its final scope, it will start to process it within two weeks. In the event of extended temporary disability (over forty days), you may request an advance of the provision for daily temporary disability corresponding to the period of medical leave that has been sufficiently proven.