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Work Accident Insurance that provides:

    • Domestic Protection

Insurance covering work accidents suffered by domestic staff (Domestic Workers, Gardeners, Private Drivers, etc.), part-time or full-time, whether the accident occurs in the workplace or on the way to and from the workplace.

    • Funeral Insurance

Covering the risk of death by accident or disease of the Domestic Workers.

  • Total Protection

Coverage of the risks of death or Total and Permanent Disability resulting from Personal Accidents in professional and / or extra-professional activities.

Domestic Protection

The value of the premium of the Domestic Protection Insurance is calculated based upon the annual salary of the Ensured Person.

 Funeral Insurance

 Example of insurance for an employee between 30 and 35 years old/Option A:

 
Option
 
A
B
C
D
 
Capital Covered
 
6.000,00 MT
12.500,00 MT
25.500,00 MT
50.000,00 MT

 

… Costs 21,03 MT/month.

Total Protection

Example of insurance for an employee/Option A:

 
 
Option of Secured Capital
 
 
Coverages
 
A
B
C
D
 
MITP (1)
 
150.000,00 MT
300.000,00 MT
600.000,00 MT
1.200.000,00 MT
 
DTR (2)
 
15.000,00 MT
30.000,00 MT
60.000,00 MT
120.000,00 MT
 
DF (3)
 
6.000,00 MT
12.000,00 MT
18.000,00 MT
18.000,00 MT

… costs from 58,40 MT/month.

1 – Death or Total and Permanent Disability;

2 – Medical and Repatriation Expenses;

3 – Funeral Expenses.

 

The first payment includes the cost of policy insurance of MT 30,00 + Legal Charges.

 

 

Subscription Age Limit

        • Domestic Protection and Funeral Insurance

Domestic staff from 15 to 60 years old.

          • Total Protection

Domestic staff from 15 to 65 years old, with forced cancellation of the insurance when reaching 70 years old.

Coverages
        • Domestic Protection
Covers work accidents suffered by domestic staff (Domestic Workers, Gardeners, private drivers, etc.), part-time or permanent, whether the accident occurs in the workplace or on the way to and from the workplace.
          • Total Protection
Covers the risk of death by accident or disease of the Domestic Workers.
  • Funeral Expenses

Covers Personal Accidents, in particular, the risk of death or Total and Permanent Disability, reimbursement of Treatment and Repatriation Expenses and Funeral Expenses, as a result of an accident suffered by the Insured Person in professional and / or extra-professional activities.

Guarantees

      • Domestic Protection

Pensions for Death and Permanent Disability, total or partial;
Compensation for, total or partial, Temporary Disability;
Treatment and Funeral Expenses (includes urn and transport);
Medical care, medication and hospital.

    • Funeral Insurance

If death occurs within the first 2 years, the Insurance Company will return the premiums paid. If death occurs after 2 years the contracted Capital will be paid to the beneficiaries.

  • Total Protection

Payment or compensation of the contracted amount in the event of Death or Total and Permanent Disability. Reimbursement of all Treatment and Repatriation Expenses up to the maximum contracted for this purpose, with a 10% deductible.

To apply for a Domestic Insurance, please visit a Millennium bim Branch or contact your Relationship Manager.

People (Insurance)
Insurance that has the objective of assuring the risks that may affect a person's life, health or physical integrity.
 
Accident
Defined as the sudden, fortuitous, unexpected and abnormal event due to the action of a cause external and foreign to the Policy Holder, Insured Person or Beneficiary's will.

Insurance Policy
Document which headlines the Insurance contract between the Policyholder and the Insurance Company, which contains its general, special, if any, and any specific conditions agreed.
 
Premium
Price payable by the Policyholder to the Insurer in exchange for the obligation assumed by the later that, in the case of a claim resulting on the hedged risk, there would be paid a compensation or delivered a certain capital.
 
Coverage
Event or series of events specified in the Insurance contract of which its verification allows the trigger of the policy guarantees in the terms set herein.