Life
Life insurance is one of the most important ways to protect your financial future and that of your family. MEDAL offers flexible solutions tailored to different stages of life, providing financial protection in the event of death, disability, or through a range of optional additional covers.
We work with leading insurers to provide competitive and personalised solutions, helping each member find the life insurance policy that best suits their individual needs and long-term objectives.
Major Benefits
No age limit
International Coverage
Cancellation and interruption trip
Terrorism, Evacuation Policy
Natural disasters
(snowfalls, storms, volcanoes Ash)
Lower excess in outpatient services
(consultations, treatments and exams)
Discover our range of travel insurance plans
Annual Policy
This is an annual policy for two people, but with the benefit of the sums insured being per each covered person.
| Covers / Limits | Silver | Gold |
|---|---|---|
| Political Evacuation | 10.000€ | 10.000€ |
| Fees for expert advice in Kidnapping | 125.000€ | 125.000€ |
| Kidnapp, Ramson & Illegal Detention | 400€ day (max. 20.000,00€) | 400€ day (max. 20.000,00€) |
| Legal Costs | 15.000€ | 15.000€ |
| Third Party Liability | 5.000.000€ | 5.000.000€ |
| Delay | 37,50€ / hour (max. 225€) | 37,50€ / hour (max. 225€) |
| Trip Cancellation and Curtailment | 5.000€ | 5.000€ |
| Luggage Delay (deductible:4hours) | 750€ | 750€ |
| Loss, Theft or stealth of luggage | 3.000€ | 3.000€ |
| Funeral Expenses | 7.500€ | 7.500€ |
| Search & Rescue | 15.000€ | 15.000€ |
| Medical Expenses Abroad Accident | 1.000.000€ | 1.000.000€ |
| Medical Expenses Abroad Sudden Illness | 10.000€ | 25.000€ |
| Accidental Death Or Permanent Disablement | 100.000€ | 250.000€ |
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Temporary Policy
We also have a special scheme, with four options in order you can choose the best coverage according to your travel requirements. This temporary policy gives you the opportunity to cover your trip up to 5, 10, 15, 30, 60 or 90 days.
| Covers / Limits | Base | Extra | Plus | Premium |
|---|---|---|---|---|
| Third Party Liability | 25.000€ | 50.000€ | 150.000€ | 300.000€ |
| Luggage | 500€ | 1.000€ | 1.500€ | 2.000€ |
| Funeral Expenses | 500€ | 1.000€ | 1.500€ | 2.000€ |
| Medical Expenses | 2.500€ | 5.000€ | 15.000€ | 30.000€ |
| Death Or Permanent Disablement | 25.000.000€ | 50.000.000€ | 150.000.000€ | 300.000.000€ |
| Travel Assistence | Nível 1 | Nível 2 | Nível 3 | Nível 3 |
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- Included
- Not Included
FAQs
Life insurance is a financial protection solution that pays a lump sum to your chosen beneficiaries in the event of your death or, depending on the cover selected, in the event of disability or critical illness.
Anyone who wishes to protect their family, safeguard their income, or ensure that financial commitments can be met in the event of an unexpected situation.
The agreed sum assured is paid to the beneficiaries named in the policy, helping to provide them with financial security.
In addition to death cover, a policy may include optional benefits such as disability cover, critical illness cover, and other protections available under the chosen product.
The premium is based on factors such as your age, health, occupation, lifestyle, the amount of cover required, and the benefits selected.
Yes. You are free to nominate your beneficiaries and may change them at any time, in accordance with the policy terms and conditions.
This depends on your age, the amount of cover required, and the insurer’s underwriting criteria. In some cases, completing a health questionnaire is sufficient.
Yes. You can choose the level of cover and select the benefits that best suit your personal, family, and financial circumstances.
Yes. The maximum entry and cover ages vary depending on the insurer, the product, and the benefits selected.
The right solution depends on your family circumstances, financial commitments, protection goals, and the level of cover you require. A personalised assessment will help identify the policy best suited to your needs.
Add to your base plan:
- Breach of Contract – If a project deadline is missed due to the illness or departure of a key team member, resulting in financial loss for the client, this policy provides coverage.
- Professional Errors, Omissions, and Negligence – If the delivered work does not meet the client’s expectations, our policy ensures financial protection.
Ensure your business remains secure against unexpected claims and financial risks. Contact us today for a personalised quote.
