Volta Personal Accident Insurance

To live intensely and be protected at the various moments of your life

Volta Personal Accident Insurance is made for you

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Prevention is better than cure

All in one

A unique and complete offer that will meet all your needs.

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.

COVERS

3 levels of protection
that you can choose

Regular Option from €8.80/month*

COVERAGES,CAPITAL,EXCESS AND DEVALUATIONS

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

Permanent Death or Disability from Traffic Accident (Extra Capital)

12.500€

(Optional)

25.000€

(Optional)

50.000€

(Optional)

IP ≥ 50% = 100% Capital

Family Civil Liability

12.500€

(Optional)

25.000€

(Optional)

50.000€

(Optional)

100% w/o compensation: Min. of 150€

Daily Allowance of Hospital Stay

25€/dia

(Optional)

50€/dia

(Optional)

100€/dia

(Optional)

4 days/person/accident

Daily Allowance after Hospital Discharge

25€/dia

(Optional)

50€/dia

(Optional)

100€/dia

(Optional)

4 days/person/accident

There are exclusions provided for in the policy.

COVERAGES, CAPITAL, EXCESS AND DEVALUATIONS

Annual Capital per Insured Person when applicable

Simple

Regular

Top

Excess

Base Coverages

Costs from Body Injuries

5000€

7500€

10000€

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

YOUNGEST MODULE

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.
Velocipede Module

For all those who love cycling, you can have coverage/assistance that guarantee tranquility 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 in the Purchase of Accessories for the Bicycle;

Replacement Bicycle;

Support Line.
Travel Module

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.
Help at home Module

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.
Golf Module

Take the right shot and choose the module that allows you to practice your favorite 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 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+

Travel Module

Age is just a number that cannot stop you from travelling. The option composed of the Travel + Personal Baggage covers of the Volta 55+ guarantees the coverages/assistances that 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 limit of the amount established, in the event of loss, loss or damage caused to the Insured Person's luggage, which occurred during a journey made by the Insured Person.
Administrative Support

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.
Technical Assistance

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;

Guarantees of IT Support Assistance - 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.

What is an accident?

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.

Does Volta Insurance cover accidents arise from the use of two-wheeled motor vehicles?

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

Family Civil Liability guarantees accidents with velocipedes?

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.

Can I take out a single policy for myself and my wife?

Yes, this Insurance is intended for the entire household.

If I change profession, do I have to inform the Insurer?

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

In this offer, what are velocipedes?

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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Monthly Price, Professional Class 1, Monthly Fractionation (includes fractionation charges), Includes Charges (INEM, Stamp), Does not include policy cost (€5.38), Does not include Academic Extension​.

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 127.600.000 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.