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Personal Insurance

Personal Insurance

Accidents don't target a certain age.


Personal Protection insurance with the following advantages:

  • Simple and affordable: The Personal Protection is a simple and affordable way for you to  protect yourself and your family, ensuring financial protection and peace of mind in case of an accident.
  • Wide covers: you have three cover options and capital to choose which comprise professional and non-professional risks and include the covers for Death or Permanent Disability, Treatment and Repatriation Expenses, Assistance to Individuals, Line Médis Family and Death  or Permanent Disability due to road accidents.
  • Wide geographical coverage: because we spend most of our lives “running around”, the  Personal Protection is valid around the world, whether on vacation or at work, whether at home or away.
  • The same price throughout the contract: the price of the Personal Protection Insurance does not change as you get older. You always know how much you are going to pay.
  • Cumulative indemnities: the indemnities due to Death or Permanent Disability can be combined with the ones from other insurances, as, for example, life insurances, car insurances (passengers) or work accidents.
  • MSeguros App: Access your insurance portfolio any time and anywhere. With the MSeguros App, available for Apple and 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 Premium
Base Monthly Premium
Death or Permanent Disability € 8.53 € 14.95 € 31.12
Repatriation and Treatment Expenses
Assistance to Adult Individuals
Médis Family Line
Optional Monthly Premium
Hospitalization Allowance € 1.76 € 3.50 € 7.00
Assistance Allowance € 1.76 € 3.50 € 7.00
Radical Amateur Sports € 8.03 € 15.03 € 28.11
Funeral Expenses € 0.15 € 0.31 € 0.52
Death or Disability by Road Accident € 1.63 € 3.24 € 6.45
Family Civil Liability € 1.82 € 3.62 € 7.23
Pack Bicycles € 0.36

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


Coverages (summary)

Death or Permanent Disability
Payment of the insured capital due to Death and Permanent Disability as the result of a road accident. The covers of permanent disability and death cannot be combined.

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.

Assistance to Adult Individuals
Several guarantees, such as: Medical, medication and hospitalization expenses abroad, Physiotherapy and Nursing Services at home,  sudden illness or accident, check-up discount.
If an incident occurs, the Insured Person or his/her legal representative, should contact the assistance services through the Phone Line (+351) 210347940.

Médis Family 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) 210347940.

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

Hospitalisation Allowance
Payment of a daily allowance as of the 5th day until the 60th day in case of hospitalization.

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.

Funeral expenses
Reimbursement of the funeral expenses.

Death and Permanent Disability due to road accidents
Guarantees the payment of the insured capital in case of death or permanent disability of the insured person as a result of road accidents. This coverage works in addition to the Death and Permanent Disability coverage, however the indemnity due to Disability cannot be accumulated with the Death indemnity.

Family Civil Liability
Guarantees the payment of indemnities arising from civil liability  resulting from body injuries and material damages to third-parties, by any member of the Insured Person’s household.

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 Protection

Covers and capital per Insured Person

Covers Essential Top Premium Amount paid by the Insurance Holder
Base Capital Capital Capital  
Death or Permanent Disability € 50.000 € 100.000 € 250,000 PD 50% = 100% capital
Repatriation and Treatment Expenses € 5.000 € 7.500 € 10.000 5% on the value of the indemnity with a € 150 minimum
Assistance to Adult Individuals As per Special Conditions
Médis Family Line As per Special Conditions
Optional Covers  
Hospitalization Allowance € 25 € 50 € 100 4 days per accident.
Assistance Allowance € 25 € 50 € 100 4 days per accident.
Radical Amateur Sports As per Special Conditions
Funeral Expenses € 1.500 € 3.000 € 5.000 No excess
Death or Disability by Road Accident € 25.000 € 50.000 € 100.000 PD 50% = 100% capital
Family Civil Liability € 25.000 € 50.000 € 100.000 10% on the value of the indemnity with a € 150 minimum
Pack Bicycles As per Special Conditions


Subscription and permanence age limits

Subscription: the Insured person must be aged 18 to 69 years.

Permanence: no age limit provided that the insurance is subscribed up to the age of 55. If subscribed after 55 years old it ends when you reach 70.

From the renewal onwards after the insured person reaches 70 years of age, the contract automatically guarantees the above mentioned covers, adapting the capitals according to the chosen option at the moment of the Personal Protection subscription.

Death (replaces the Death or Permanent Disability coverage); Body Injuries (replaces the Treatment and Repatriation Expenses coverage); Assistance to Senior Individuals (replaces the Assistance to Adult Individuals coverage); Médis Family Line; Funeral Expenses and Family Civil Liability.

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 of the Personal Protection Insurance.


How to subscribe

Choose one of the two possibilities that Millennium bcp gives you to purchase the Personal Protection 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. AT any Millennium bcp branch

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