Personal Accident Insurance

Personal accident insurance consists of policies issued by insurance companies that provide a financial benefit when the insured suffers bodily injury as a result of an accident. Depending on the plan purchased, they usually include compensation for accidental death, for total or partial permanent disability, and reimbursement or coverage of medical expenses.

They can be purchased on an individual, family or group basis, for example for the employees of a company, the students of an institution or the participants in an event. The sums insured, excluded activities, age limits and deadlines for reporting an accident are set out in the conditions of each policy and vary by company.

I am Cinthia Careaga de Camé, Insurance Agent with License No. 2552, and I serve clients from Hernandarias, Alto Paraná. As an agent I advise you and act as intermediary with the insurance companies authorized by the Central Bank of Paraguay (BCP); the policy is issued by the company, which is also the one that assesses and pays compensation.

• Advice tailored to you: I analyze with you your occupation, your activities and the sums insured that make sense for your case.
• Clear information: I explain which events the policy covers, which it excludes and how beneficiaries are designated.
• Management and support: I take care of the paperwork for your policy and, if an accident occurs, I guide you in reporting it and submitting the documentation.

A few details are generally enough. The insurance company may request additional information depending on the age, occupation or sums insured requested.

• National ID card of each person to be insured, or RUC (tax ID) if a company is purchasing.
• Date of birth and occupation or activity.
• Type: individual, family or group, with the number of people.
• Sums insured and coverages you are interested in.
• Beneficiary details.

The quote is a no-obligation request: it does not commit you to purchase.