Insurance
Insurance programme of the University of Santiago de Compostela (USC)
1.Types of insurance
- Fundamental risks:
- Property damage
- Electronic equipment
- Civil liability
- Fleet of vehicles
- Complementary Insurances:
- Life
- Accidents
- Health care
- Travel assistance
2.Fundamental Risks
Centralized contracts and management.
Risks of general interest to all the university community
2.1. Property damage:
- Concept: Damage covered by this insurance include: property damage caused both in buildings and facilities and their content, as a result of unforseen sudden events such as:
- Fires
- Lightning
- Explosions
- Robberies
- Floods
- Damages caused by water
- Risks of nature, etc
- Limit of compensations:
- Concept: maximum limit of compensation to be paid for each accident
- Amount: 24000000 €/accident
- Franchise:
- Concept: Amount at the expense of the insurance holder
- Risk accepted by the USC
- Type of self-insurance
- Amount:
- General franchise = 1500 €/accident
- Broken window panes = 150€/window pane
2.2. Electronic Equipment:
- Concept:Direct property damage of USC computing equipment is covered
- Insured capital:300000 €
- Limit of compensation:
- Concept: maximum limit of compensation to be paid for each accident
- Amount: 300000 €/accident
- Franchise:
- Concept: Amount at the expense of the insurance holder
- Amount: 300 €/accident
2.3. Civil liability:
2.3.1. General CL:
Concept:The insurance policy guarantees to the USC (Santiago and Lugo campuses) the payment of the pecuniary compensations of which it could become responsible, according to law, as public institution devoted to teaching, studying and research, as borrower of education and administrative services, as assignee of permissions for exploitation of various services or for the implementation of any other activity of its own, including those derived from its condition as an entity that awards public or private contracts for damages caused to third parties.
Insurance scope:The following risks will be covered:
1. In their quality of:
- Owner
- Assignee
- Leaseholder
- User of buildings, lands... intended for insurance activities
2. For intentional or negligent actions or omissions of USC staff.
3. Liability of any person who, regardless his/her labour relation with the USC, carries out some type of activity on his/her own, such as visiting teachers, congress participants, etc.
4. As a result of damage suffered by students when they are in the insured centres.
5. The liability the insured may incur in as a result of accidents happened abroad, on the participation in fairs, feasts and exhibitions.
6. Liability derived from the pollution of waters, soil or air, provided that it is accidental, sudden and unexpected.
7. Liability caused by the use of or experimentation with chemical products in USC lecture rooms or laboratories, as well as the manual instruction and use of machinery with driving force.
8. Liability as a result of the functioning of the Breogán Infant School, of USC ownership.
9. Liability caused by food or drink poisoning served in dining halls, restaurants, bars or cafés of all the centres belonging to the USC.
10. Liability derived from accidents suffered by USC staff and demanded by workers or their "habientescausa".
Franchise:
- General: 300 €/accident
- Professional CL: 1500 €/accident
- Damages in goods in custody: 1500 €/accident
Time Scope: This insurance covers damage happened during the validity of the insurance and the complaints made during the following 24 months from the ending of the insurance coverage period as a result of accidents happened during the period of validity.
Territorial Limit:
- Complaints made before the Spanish jurisdiction due to acts happened in Spain
- Complaints made in any country of the world (except USA and Canada)
2.4 .Fleet of vehicles:
- Collective hiring
- Coverage unification
- Simplicity in the administration
Hired Covers (depending on the cases):
- Civil liability of compulsory subscription
- Civil liability of voluntary subscription
- Penal defence and bail bonds
- Complaint of damages
- Bodily injuries
- Window panes breakage
- Fire
- Robberies
- Damages of the insured vehicle
3. Complementary insurances
3.1. Life insurance
Collective life insurance for the PAS of the USC (labour staff and Civil Servants) with the following coverage:
- Death for any cause 24040,48 €
- Total and permanent professional disability for any cause 24040,48 €
3.2. Accident insurance
The USC provides the students of the university community with the following accident insurances:
3.2.1. “Cum Laudem” Accident insurance
Characteristics:
- Voluntary insurance.
- Cover: 24 hours.
- Insurance complementary to the school insurance and to the compulsory insurance of the USC.
- Total premium: 12€ .
- Payment: by bank transfer to the account numbers indicated in the forms.
Covers:
- Loss of lessons due to accidents which prevent students to attend lessons for 20 or more consecutive days, for private lessons, up to 1202 €.
- Loss of registration as a result of accident which prevents students to attend classes for 2 or more consecutive months, or if the accident happens during the 15 days previous to the official announcement of a final exam, the registration fee will be refunded up to a limit of 10803 €.
- Health care due to accident:
- Unlimited, in concerted centres, up to 365 days since the accident.
- In centres of free choice up to 1202 €.
- Absolute permanent disability due to accident: 15025 €.
- Partial permanent disability due to accident, according to scale based upon 15025 €.
- Death due to accident: 12020 €.
- Family mishap, death due to the same accident, in public or private transport:
- Of the father or the mother: 6010 €
- Of both of them: 9015 €
- Travel assistance (abroad for a period shorter than 90 consecutive days)
- Health care due to illness up to 3306 €
- Medical transfer to the usual residence: included
- Travel of a family member in case of hospitalization: included
- Costs of the stay of a family member (max 10 days): 30 € /day
- Repatriation in the event of death: included
- Service of travel information: included
- Service of urgent messages: included
3.2.2. Compulsory Accident Insurance
Characteristics:
- Compulsory insurance
- Cover: 24 hours
- Total premium: 9,45 €
- Payment: by bank transfer to the account number indicated on the form
Who are the beneficiaries of this policy?
According to the rectoral resolution of the USC (June 27th, 2005), any person registered at the USC belonging to any of the following groups must compulsorily hire this insurance policy:
- Students of third cycle
- Students of fourth cycle
- Scholarship holders
- Students of master´s degrees
- Students doing practicals supervised by the USC
- Any student excluded from the Compulsory School Insurance
Coverage:
The insurance covers the accidents when participating in training activities organized by the USC, as well as on one´s way from the respective residences to the centres where these activities are developed, and vice versa ( “in itinere” coverage) and in any place of the world.
Coverage:
- Death for accident: 36000 €
- Great disability for accident (money for disability is NOT cumulative) 50000 €
- Absolute permanent disability for any profession, as a result of accident 45000 €
- Partial permanent disability as a result of accident, according to a scale based upon 45000 €
- Costs of health care for accident:
- Unlimited, in concerted centres, up to 365 days since the accident
- In centres of free choice up to 6000 €
- Travel assistance abroad for a period shorter than 90 consecutive days:
- Costs of health care for illness, up to 6000 €
- Medical transfer to the usual residence: unlimited
- Travel of a family member in case of hospitalization longer than 7 days: unlimited
- Costs of stay of a family member (by day / max 10 days): 30 €
- Repatriation in the event of death: unlimited
- Service of travel information: unlimited
- Service of urgent messages: unlimited
3.3. Travel assistance:
The travel assistance is intended to cover those students, professors, or any member of the university community who travel abroad because of studies, practicals, seminars, conferences, including the round trip. Similarly, those students and professors who come to Spain would also be covered.
The advantages of this system of UNIQUE OPEN INSURANCE POLICY for all members of the university community are:
- lower cost for collective recruitment
- administrative control
- conditions and coverage are fixed beforehand taking into account the specific characteristics of the university group
- immediate joining through application by mail / fax / email
The inclusion of the insurance policy would be directly done in the offices of the insurance agency (brokerage) hired by the USC, and the following would be submitted to each one of the insured persons:
- individual insurance policy including personal data, coverage period and insured capital
- copy of the particular conditions of the unique insurance policy
Coverage:
- BAGGAGE:
- Baggage loss 151 €
- TRAVEL ACCIDENTS:
- In case of death: 6011 €
- In case of permanent disability: 6011 €
- ASSISTANCE TO PEOPLE:
- Medical, surgical, pharmaceutical and hospitalization expenses as a result of illness or accident happened abroad: 60000 €
- Extension of stay in a hotel (61 € /day) up to 610 €
- Repatriation or transportation of injured persons or patients: unlimited
- Repatriation or transportation of remains: unlimited
- Travel expenses of a companion in case of hospitalization: unlimited
- Stay of a companion (61 €/day) up to 610 €
- Return of an insured person as a result of death of a relative: unlimited
- Transmission of messages: included
- CIVIL LIABILITY:
- Private civil liability: 30051 €
- EXPENSES OF COURSE CANCELLATION:
- Expenses for travel cancellation: 600 €
- Refund of non-enjoyed holidays: 1800 €
3.4. Health care:
The health care insurance is created to fit specific needs of the USC university Community, guaranteeing an comprehensive service, without waiting lists, which includes from primary medicine to the most advanced diagnostic and surgical techniques.
- Health care with national coverage, both in medical and surgical assistance, and both as outpatient and inpatient .
- Free choice of specialists: you will be able to choose among more than 18000 doctors and 450 health centres and go directly to the specialist of your choice.
- All the medical specialties
- Preventive medicine programme
- Family planning programme
- Basic tooth care: radiography, extraction and one oral cleaning per year
- Individual room with bed for companion, without limits in days of stay (except for psychiatric hospitalization or ICU and incubator)
- Without waiting list
- Free insurance of urgent assistance abroad
- Use of personal and non-transferable magnetic card, which will avoid formalities and journeys
- Moreover, most of the diagnostic tests are carried out without previous authorization (X-rays, smear tests, electrocardiograms). When this is necessary, it could be made online or through a simple free phone call
- Immediate hiring
Grace period
All benefits become effective on the inception date of the contract, except in the following cases, in which there will be a grace period:
- tubal ligation and vasectomy: 6 months
- birth assistance: 9 months
4. Insurance management
For any enquiry, management of the insurance policy of the USC or communication of accidents attributed to them, you should contact:
- PATRIMONY SECTION (Casa da Balconada, Rúa Nova 6), 15704 Santiago de Compostela, telephone number 981 563 100, ext 11259, email aespada@siusces
In the same way, for any personal enquiry you can contact SILVA E ZAMORA, the brokerage of the USC,and benefit from the advantages that offers to all the university community