Volta Personal Accident Insurance

The perfect insurance for non-stop living

Simulate
Ocidental

Prevention is better than cure

From A to Z

We want to be with you, side by side, and respond to the different situations that arise in your life.

Flexible

You can choose the most convenient options for every moment of your life and add more household members on the same policy.

Modularity

Select the modules that best suit your current needs.

Because it doesn't only happen to others

Do you know Mariana?

One of Mariana's favorite hobbies is riding her bike, and she was recently involved in an accident. She crashed into the back of a car and required medical assistance. Since she was covered by the Personal Accident Insurance Volta Bicycle Module, the process was very simple:

Under the Bicycle Civil Liability coverage the damages caused to the third party were covered;

With the Hospital Transport coverage she was ensured transportation to receive medical care and the delivery of the bicycle to a family member;

Through the Bicycle Repair Insurance coverage she received a €100 reimbursement for the repair costs of the bicycle, according to the terms of her policy;

And under the Clothing and Footwear Damage coverage the replacement of her jeans and sneakers, which were damaged in the fall, was guaranteed up to a limit of €150.

Volta Insurance

Volta is the new Personal Accident Insurance that fits your protection needs, prepared to protect you at different moments of your life. It is the ideal Insurance to live without stopping.

Volta Insurance 55+

Volta 55+ is the ideal Personal Accident Insurance for adults who lead an active lifestyle and, in the event of an accident or health mishap, want to quickly get back to their routine.

Coverages

3 levels of protection that you can choose

Regular Option from €8.80/month*

Volta Insurance Coverages Table
Simple Regular Top Excess

Permanent Invalidity

 25.000€ 50.000€ 100.000€ Without Excess

Costs of Treatment and Repatriation

 5.000€ 7.500€ 10.000€ Without Excess

Assistance to People

 According to Contractual Conditions

Médis Line

 According to Contractual Conditions

Death

25.000€
(Optional)

50.000€
(Optional)

100.000€
(Optional)

 Without Excess

Death or Disability of Representatives

25.000€
(Optional)

50.000€
(Optional)

100.000€
(Optional)

 IP ≥ 50% = 100% Capital

Death or Permanent Disability from Traffic Accident (Extra Capital)

12.000€
(Optional)

25.000€
(Optional)

50.000€
(Optional)

 IP ≥ 50% = 100% Capital

Family Civil Liability

12.000€
(Optional)

25.000€
(Optional)

50.000€
(Optional)

 100% w/o compensation: Min. of 150€

Daily Allowance of Hospital Stay

25€/day
(Optional)

50€/day
(Optional)

100€/day
(Optional)

 4 days/person/accident

Daily Allowance after Hospital Discharge

25€/day
(Optional)

50€/day
(Optional)

100€/day
(Optional)

 4 days/person/accident

There are exclusions provided for in the policy

Volta 55+ Insurance Coverages Table
Simple Regular Top Excess
Base Coverages

Costs from Body Injuries(1)

 5.000€ 7.500€ 10.000€ According to Contractual Conditions

Health Assistance

 According to Contractual Conditions

Home Assistance

 According to Contractual Conditions
Optional Coverages

Costs of Hospital Stay(1)

 750€ 750€ 750€ Without Excess
1.500€ 1.500€ 1.500€ Without Excess
2.500€ 2.500€ 2.500€ Without Excess

Costs of Funeral(1)

 750€ 1.500€ 3.000€ Without Excess

Death(1)

 10.000€ 25.000€ 50.000€ Without Excess

Administrative Support

 According to Contractual Conditions

Technical Support

 According to Contractual Conditions

Trip(2)

 According to Contractual Conditions

Personal Baggage(2)

 500€ 500€ 500€ Without Excess

(1) At the end of the annuity in which the insured person reaches the age of 80, the capital coverages marked are reduced by 50%.

(2) The Trip and Personal Baggage coverages must be contracted together.

There are exclusions provided for in the policy.

Volta Insurance allows optional modules to be taken

The modules adapt to your needs and provide the specific protection you require

Volta

Thinking about the future means guaranteeing a set of coverages/assistances ideal for the needs of the youngest.

  • Home tuition in Portugal (or online);
  • Vocational guidance in Portugal;
  • Special transport for young people and children in Portugal;
  • Computer Support Assistance - Malfunction Repair;
  • Online tutoring;
  • Psychological support;
  • Online reputation management.

For all those who love cycling, you can have coverage/assistance that guarantees tranquillity and protection on two wheels.

  • Civil Liability for Bicycles (capital: €50,000.00 / no excess);
  • Transport in the event of an accident;
  • Referral to hospital;
  • Psychological support;
  • Safe bicycle repair;
  • Damage to clothes and shoes of the insured person;
  • Contribution to the purchase of accessories for the bicycle;
  • Replacement bicycle;
  • Support line.

For those who like to walk on cloud nine and keep their feet on the ground, a range of coverages/assistances that guarantee extra security when travelling.

  • Personal baggage (10% of the capital of the disability cover);
  • Contribution to the cost of accommodation;
  • Trip interruption or cancellation;
  • Delay in trip departure;
  • Loss of connections on a trip;
  • Delay in luggage reception;
  • Defense and claims abroad in the event of a road accident;
  • Emergency support abroad;
  • Repatriation and extension of stay due to natural disaster abroad;
  • Loss, theft or destruction of passport or citizen card abroad.

For the most delicate moments, have a set of benefits suited to your needs, upon clinical justification.

  • Laundry and ironing;
  • Domestic cleaning;
  • Delivery of groceries and medication;
  • Pet assistance;
  • Childcare in Portugal.

Take the right shot and choose the module that allows you to practice your favourite sport with the coverages/assistances you need.

  • Civil Liability for Golf (capital: €50,000.00 / no excess);
  • Theft or robbery of golf equipment (capital: €1,250.00 / €125.00 excess per claim);
  • Damage to golf equipment (capital: €1,250.00 / €125.00 excess per claim / Limit: €400.00 per claim);
  • Expenses for "Caddy" treatment (capital: €750.00 / no excess);
  • Hole-In-One treatment expenses (lump sum: €500.00 / no excess);
  • Co-funding for accommodation expenses;
  • Transmission of urgent messages;
  • Transport service for the insured person abroad or in Portugal;
  • Legal advice abroad or in Portugal.

Volta 55+

Age is just a number that cannot stop you from travelling. The option composed of the Travel + Personal Baggage covers of Volta 55+ guarantees the coverages/assistances you need.

  • Repatriation or medical transport in case of accident or illness;
  • Trip interruption or cancellation due to force majeure;
  • Flight delay;
  • Loss of connections during the trip;
  • Delay in luggage reception;
  • Emergency assistance abroad.

Payment of compensation up to the established limit, in the event of loss, misplacement or damage to the insured person's luggage occurring during a journey made by them.

For all your administrative problems, the Administrative Support of Volta 55+ offers a set of coverages/assistances that are an added value.

  • Administrative support for fiscal obligations;
  • Administrative support for contract management.

Guarantee access to a range of coverages/technical assistance when you need it most.

  • Home technical assistance guarantees;
  • IT support assistance guarantees - Help Desk Service;
  • IT support assistance guarantees - Home Technical Support;
  • IT support assistance guarantees - Malfunction Repair.

Frequently Asked Questions

What else do you need to know?

These are our frequently asked questions.

It is an event caused by a sudden external, violent and unpredictable cause, beyond the control of the Insured Person and the Beneficiary, which causes bodily injuries that can be clinically and objectively confirmed, permanent invalidity, temporary incapacity or death.

No, except if requested at Subscription and upon payment of an extra premium.

Velocipedes are an exclusion from this cover. However, the Velocipedes Module, which includes Velocipedes Third Party Liability, a much sought-after cover, may be taken out.

Yes, this Insurance is intended for the entire household.

Yes, because the risk is calculated according to the profession of the insured person.

Velocipedes are deemed to be those indicated in the following paragraphs, when used for daily transport or leisure purposes and identified in the Specific Conditions or Individual Certificate:

a) the velocipedes with two or more wheels, driven by the driver himself, by means of pedals or analogous devices, including scooters and skateboards without motor; b) the bicycles with auxiliary motor with a maximum continuous power of 1.0 kW, whose power is progressively reduced with the increase of speed and stopped if it reaches a speed of 25 km/h, or before, if the driver stops pedalling; c) scooters with electric motors and electric motorized, self-balancing and self-propelled riding devices or other similar means of circulation with motor, if they have a maximum continuous power of 0.25 kW and reach a maximum speed of 25 km/h.

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Pub. This information does not dispense with the reading of the legally required pre-contractual and contractual information.
Insurance Agent: Banco ActivoBank, S.A., Office: Rua Augusta, 84 Lisboa, Share Capital 217.600.000 Euros, registered with this same number in the Lisbon Trade Registry, Single registration and TIN. 500 734 305. Insurance Agent registered under nr. 419501226, with the Insurance and Pension Funds Supervision Authority - Registration Date: 21/01/2019. Authorization for the brokerage distribution of the Life and non-Life insurance. For information and further registration details, please visit the Insurance and Pension Funds Supervision Authority Website. The Insurance Agent is not authorized to sign insurance contracts on behalf of the Insurer or receive any insurance premiums payable to the Insurer. The Insurance Agent does not assume liability regarding any risks covered by the insurance contract, which shall be fully assumed by the Insurer.
Logo Ocidental
Ageas Portugal – Companhia de Seguros, S.A. Head office at Praça Príncipe Perfeito 2, 1990-278 Lisboa. Legal person number 503 454 109. CRC Porto. Share capital of € 7.500.000. ASF Register 1129, www.asf.com.pt

Personal Data Protection and Insurance Mediation
ActivoBank, as insurance intermediary, carries out its business of distribuing insurance to the Insurance Company Ageas Portugal - Companhia de Seguros, S.A. (Non-Life Branch) and to the Insurance Company Ocidental – Companhia Portuguesa de Seguros de Vida, S.A. (Life Branch). In order to carry out this simulation, it may be necessary to proceed with the collection of personal data (such as identification and contact details, among others that may be necessary) to be transmitted to the Insurance Company.

There are exclusions listed on the policy.