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Youth Protection

Youth Protection


An insurance that protects your family budget.

Advantages

Personal Protection insurance that provides you with:

  • Protection anywhere in the world, 365 days per year, 24/7, either playing or studying.
  • A significant civil liability coverage;
  • An Assistance cover in case of Illness or accident;
  • Protection even during the practice of amateur radical sports;
  • Young Persons Médis Line that provides you with specialized technical support, given by nurses that perform a clinical triage in case of illness or accident.
  • Cover for Death or Permanent Disability of the Legal Representatives.
  • And since we want to always be by your side, now with the MSeguros App, available for Apple e AndroidTM smartphones, viewing your policies was never easier.
  • Optional cover Pack Bicycles: that enables you to increase protection in case of an accident involving your bicycle and/or you (a set of 10 services, valid 24/7).

Fees and Commission

Options and prices

Covers Essential Top
Base Monthly Premium
Permanent Disability € 12.18 € 25.09
Repatriation and Treatment Expenses
Personal Civil Liability
Funeral Expenses
Assistance to Young Individuals
Death or Permanent Disability of Representatives
Young Persons Médis Line
Optional Monthly Premium
Radical Amateur Sports € 24.17 € 47.90
Hospitalization Allowance € 2.49 € 4.99
Assistance Allowance € 2.49 € 4.99
Pack Bicycles € 1.08

Cumulative Premiums.
A € 5.38 policy fee (includes legal charges) will be added to the first payment.

Features

Coverages (summary)

Permanent Disability
Payment of the percentage of capital regarding the disability degree, in accordance with the National Disability Table in accordance with Civil Law, Decree-Law no. 352/2007, of 23 October.

Death or Disability of Representatives
Payment of an indemnity in case of death or disability of both parents or legal representatives of the minor or other legal representatives, as per Special Conditions of the policy.

Treatment and Repatriation Expenses
Reimbursement of medical expenses (consultations, exams, treatments, surgeries and medication) to treat injuries, as well as extraordinary expenses of repatriation in a suitable transportation due to the nature of those injuries.

Civil Liability Young People
Payment of the indemnities due from civil liability, for actions committed by the insured person, resulting in bodily injuries or material damages caused to third parties.
Damages to glasses (frame and lenses), television sets, cameras, film cameras, computers, games consoles, mobile phones, smartphones, ipads, iphones, tablets and similar, shall be accepted by means of the presentation of invoice or receipt identifying the owner of the damaged object.
The indemnity amount shall be estimated in accordance with the commercial value of the good prior to the incident, taking into account the depreciation based on age, degree of abrasion, wear and tear.

Radical Amateur Sports
The insurer will proceed with the payment or reimbursement of the insured capital as defined by the coverages, due to accident occurred during the practice of amateur sporting activities, exception made to trainings and sporting events that are part of championships.
The activities included are: Paragliding, Climbing, Martial Arts, Ballooning, BTT, Bungee Jumping, Canoeing, Horse Riding, Snow Sports, Speleology, American Football, Weightlifting, Hockey on Ice, Karting, Kite surf, Diving, Paintball, Skydiving, Parkour, Rafting, Abseil / Rappel, Skysurfing, Off-roading, Trekking.

Assistance to Young Individuals
The Insurer guarantees to the Insured Persons the corresponding payments for the Assistance due to accident or illness, insured by this policy, such as medical, pharmaceutical and hospitalization expenses abroad, home schooling, vocational guidance, special transportation for children (in case of an incident involving the Insured Person or the parents/legal guardian).

Hospitalisation Allowance
Payment to the Policy Holder (Legal Representative of the minor) of a daily allowance as of the 5th day until the 60th day in case of hospitalization of the child / young individual.

Funeral expenses
Reimbursement of the funeral expenses.

Assistance Allowance
Payment to the Insured Person of a daily allowance from the 5th day after hospital discharge and until the 60th day provided that the assistance of the minor is justified by means of a medical statement.

Cover Pack Bicycles
A Special cover including a set of 10 assistance services, with several indemnity limits, available 24/7.
Namely Transportation in case of Accident, Replacement Bicycle, Damages in Clothing and Footwear, Legal Protection, transportation to an Hospital, and Safekeeping of the Bicycle, if necessary.

Young Persons Médis Line
Specialized phone assistance, available 24/7, 365 days /year, where nurses provide permanent counselling and assistance on Health Care issues. This service can also work together with the assistance provider, by triggering the warranty of home medical insurance.
If an incident occurs, the insured person or his/her legal representative, should contact the assistance services through the Phone Line (+351) 21 845 88 85.

 

Young Persons Protection

Covers and capital per Insured Person

Covers Essential Top Amount paid by the Insurance Holder
Base Capital Capital  
Permanent Disability € 50.000 € 100.000 No Excess Payment
Repatriation and Treatment Expenses € 3.000 € 7.500 No Excess Payment
Personal Civil Liability € 3.000 € 7.500 10% on the value of the indemnity with a € 150 minimum
Funeral Expenses € 2.000 € 3.000 No Excess Payment
Assistance to Young Individuals As per Special Conditions
Death or Permanent Disability of Representatives € 50.000 € 100.000 PD 50% = 100% capital
Young Persons Médis Line As per Special Conditions
Optional Covers Quarterly Premium  
Assistance Allowance € 25 € 50 4 days per accident.
Hospitalization Allowance € 25 € 50 4 days per accident.
Radical Amateur Sports As per Special Conditions
Pack Bicycles As per Special Conditions

 

Age Limit:

Subscription: The Insured Person must be up to 17 years old inclusive (the Policy Holder must be an adult).

Permanence: No permanence age limit.

In the first contract renewal after the insured person reaches 18 years of age, the contract automatically guarantees the bellow mentioned covers, adapting the capitals according to the chosen option at the moment of the Young Persons Protection Insurance subscription.

Death or Permanent Disability; Treatment and Repatriation Expenses; Funeral Expenses; Assistance to Individuals; Young Persons Médis Line; Assistance Allowance; Hospitalisation Allowance and Radical Amateur Sports.

The following covers cease to exist: Civil Liability Young People and Death or Disability of Representatives.

Territorial Scope

The Young Persons Insurance can be triggered following accidents anywhere in the world.

This information does not dispense with the reading of the legally required pre-contractual and contractual information.

For further information, carefully read the General Conditions and Specific.

 

How to subscribe

Choose one of the two possibilities that Millennium bcp gives you to purchase the Young Persons Insurance:

1. By mail

For that purpose, you shall have to:

Send the Proposal to the following address:

Ocidental Seguros
Tagus Park, Edif. 10 - Piso 1
2744-005 Porto Salvo

2. Go to any Millennium bcp branch

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