Health Insurance Covers Treatment. It Doesn't Cover Your Rent.
An accident can stop you from working long before it stops affecting your bank balance. Ask us for accident insurance that protects your income, not just your recovery.
No hard sell, no named insurer favored — just real quotes explained plainly.
Why Choose Confialy for Your Accident Insurance
This fits best if no employer sick-pay safety net exists for you — autónomos and freelancers especially — or if you have a physically demanding job or active hobby where an injury could stop you working for weeks or months. If you're a salaried employee with strong employer sick-pay cover already, the gap this fills may be smaller.
Compare income-protection and lump-sum accident plans side by side.
Clear explanation of exactly how this differs from health insurance.
We help you understand real claims scenarios before you buy, not just after something happens.
Who Is Accident Insurance For?
You're an autónomo or freelancer without employer sick-pay protection.
You work in a physically active job, or have an active hobby that carries real risk.
You want financial protection beyond medical treatment alone.
What Does Accident Insurance Cover in Spain?
- Lump-sum injury payout. A one-off payment for qualifying injuries, sized by severity on most plans.
- Medical expense reimbursement. Out-of-pocket costs for accident-related treatment, useful alongside — or instead of — a full health plan.
- Temporary disability income. A regular payment while you're unable to work, up to a set number of weeks or months.
- Permanent disability payout. A larger lump sum if an accident results in permanent incapacity.
- Scarring & disfigurement benefit. An extra payout for permanent scarring, calculated against a fixed injury scale (baremo de lesiones).
- Dental injury cover. A separate benefit for teeth broken or lost in a covered accident, distinct from routine dental insurance.
- Orthopedic aids & rehabilitation. Crutches, wheelchairs and physiotherapy needed while you recover from a covered accident.
- Accidental death benefit. A payout to beneficiaries if the accident is fatal, usually separate from a life policy.
- 24/7 or work-hours-only cover. Some plans only cover accidents on the job; others cover any time — confirm which applies before assuming you're covered off-hours.
Worth checking before you buy
Whether cover is 24/7 or work-hours-only — this materially changes what “protected” actually means for you, especially if your risk comes from a hobby rather than your job.
Exact coverage, limits and exclusions depend on the insurer and plan you select — full policy conditions are shown before you buy.
How to Get Your Accident Insurance Quote in 4 Steps
Send us your details
A short message through our contact form — no obligation to buy.
We compare real quotes
We check offers from multiple insurers on your behalf.
You choose the plan
We explain the options in plain language. No push toward any one insurer.
We help you get covered
We stay in touch until your policy is active.
Frequently Asked Questions About Accident Insurance in Spain
How is accident insurance different from health insurance?
Health insurance covers medical treatment; accident insurance can also cover lost income or pay a lump sum after a qualifying injury — the two solve different problems.
Does accident insurance cover accidents at work only, or anytime?
Depends on the plan — some cover 24/7, others work-related only. This is shown clearly so you know exactly what you're buying.
Is this worth it if I already have health insurance?
For many autónomos and freelancers, yes — the two typically serve different purposes and are often held together for full protection.