What does Macif's Personal Accident Guarantee insurance cover?

What does Macif's Personal Accident Guarantee insurance cover?

At Macif, this is family insurance that covers the entire household (2): yourself, your spouse or partner, your student children up to 25 years old, dependent adults with disabilities and '' more generally any dependent living in the family home in the usual way, or any person to whom the insured entrusts, free of charge, his insured vehicle to Macif.

Personal accident insurance covers you in the event of a domestic accident causing bodily injury, disability or even death (4).
Personal accident or domestic accident: definition

When we talk about a domestic accident, we are talking about an accident that occurs in his home, in his garden, in his garage, etc. Sometimes the accident takes place outside of your home. In this case, it is more precise to speak of an accident of private life. Thus, it is about any bodily accident of which you are the victim at any time and which is not covered by another insurance. For example, accidents in professional life are not compensated by this insurance.

Accidents in everyday life thus include: domestic accidents, sports accidents, vacation and leisure accidents.

Personal accident insurance only covers bodily accidents and not material accidents. It only compensates the victims and their relatives via an annuity or a capital to compensate for the damage suffered.
Insurance in the event of bodily injury, disability or death

We talk about a household accident or an accident of life when you injure yourself while tinkering, gardening, playing sports, or with our Accident Guarantee contract, while driving. But any injury will not be covered by private life insurance, or by a guarantee such as ski insurance for example. This type of insurance intervenes in the event of a bodily accident causing disability of a certain severity (defined by the contract).

For the purposes of Social Security, a person is considered disabled when, after an accident or a non-occupational illness, his working capacity is reduced by 2/3. The accident of life guarantee is thus an essential protection which makes it possible to compensate at least in part for the loss of income.

Depending on the contracts, compensation may be increased in the event of total dependency. Of course, private life accident insurance also intervenes in the event of death in order to protect families through the payment of a capital and / or an annuity.
Driver's bodily insurance

Because a life-threatening accident can happen at any time, you may be wondering if a driver's injury accident during the commute to work is subject to compensation. With the Macif Accident Guarantee contract, this is indeed the case for the driver responsible for an accident. In this context, without this guarantee, the driver does not benefit from any compensation other than that provided for by the social protection scheme. As for the third party, in the event of a responsible accident, it is the civil liability guarantee of your automobile contract that indemnifies them.
Support for caregivers

The Accident Guarantee policy provides for specific assistance intervening at key times to support our members in their role of helping (5). Thus under this contract, a caregiver is a member or his spouse who helps a loved one with loss of autonomy, on a non-professional basis, with daily activities. As for the help, it is about the loved one whose loss of autonomy (6) requires the presence of the caregiver for the accomplishment of the tasks and activities of daily life. This relative can be the direct ascendant of the caregiver, his or her legal or de facto spouse, their child, whether they live in the member's private home or not.

The assistance guarantees for caregivers included in the Accident Guarantee contract allow support for the caregiver in the following 4 situations (5):
Administrative and social support

In the event of loss of autonomy or worsening of the loss of autonomy of the person being helped (6), the member or his spouse has the possibility of requesting a social report allowing him, knowing the impact on his life, to decide to become a caregiver. The caregiver can be guided in his administrative procedures by making a home worker available (7). Psychological assistance (8) can be granted to him and to the person being helped on request, in the event of loss of autonomy or worsening of the loss of autonomy of the caregiver.
The unavailability of the caregiver

In the event of an unforeseen hospitalization of more than 2 days or of immobilization at home for more than 5 days of the caregiver, one of the following services can be implemented