Traffic and work accidents can create medical situations that may need specific cover. The Sanitas traffic and work accidents add-on may provide medical assistance for eligible traffic accidents, work-related accidents or occupational illness situations, depending on the policy terms. It may be useful for drivers, commuters, employees, self-employed workers and expats who want extra reassurance alongside their main plan.
The basics
This is an optional extra that may extend medical assistance for certain accident-related situations involving traffic accidents, work accidents or occupational illness, subject to the policy terms and definitions.
Who it's for
What it helps with
For the self-employed
Autónomos and self-employed people may be particularly interested, because time off work, accident-related treatment and unclear responsibilities can create stress. Common reasons include:
For broader self-employed protection, see income protection and Protección Total for autónomos.
How it compares
No. Traffic / work accidents cover focuses on eligible medical assistance after certain accident-related situations. Income protection is different and may provide a daily payment if hospitalised, depending on policy terms.
No. Accidental death cover provides a financial benefit after accidental death or qualifying permanent disability. This add-on relates to medical assistance.
Some accident-related extras may have no waiting period, but this should be confirmed under the current Sanitas terms before applying.
Get help
Spanish Health Insurance can help check whether this add-on may be available with your chosen Sanitas policy.
Tell us about your situation and we will check whether this add-on may be available with your Sanitas plan, explain the terms in plain English and request a personalised quote. Acceptance and exact terms depend on the insurer's rules.
We'll check whether traffic and work accidents cover can be added to your plan — free advice in English.
FAQs
Common questions about Sanitas traffic and work accidents cover.