Domestic Workers Insurance
Ready to protect those who care for your home?
Branch only

Domestic Workers Insurance
Ready to protect those who care for your home?
Branch only


Effective protection for your employees, all in one insurance
Covers domestic workers, gardeners, and drivers, both at work and during their commute.
Guaranteed payment of all compensation
Workers' compensation insurance is legally required. In the event of a work-related accident, the Domestic Personal Protection insurance guarantees the payment of all compensation legally owed to your employee.
All the benefits
What's included?
Access to an integrated healthcare management and delivery system
Your employee can access qualified care through a clinical network of specialist doctors, hospitals, clinics, and diagnostic services available nationwide.
Fast claims settlement
Through the support line 210 042 490, available on weekdays from 8:30 am to 7:00 pm.
All the benefits
What's included?
Effective protection for your employees, all in one insurance
Covers domestic workers, gardeners, and drivers, both at work and during their commute.
Guaranteed payment of all compensation
Workers' compensation insurance is legally required. In the event of a work-related accident, the Domestic Personal Protection insurance guarantees the payment of all compensation legally owed to your employee.
Access to an integrated healthcare management and delivery system
Your employee can access qualified care through a clinical network of specialist doctors, hospitals, clinics, and diagnostic services available nationwide.
Fast claims settlement
Through the support line 210 042 490, available on weekdays from 8:30 am to 7:00 pm.
All the benefits
What's included?
Effective protection for your employees, all in one insurance
Covers domestic workers, gardeners, and drivers, both at work and during their commute.
Guaranteed payment of all compensation
Workers' compensation insurance is legally required. In the event of a work-related accident, the Domestic Personal Protection insurance guarantees the payment of all compensation legally owed to your employee.
Access to an integrated healthcare management and delivery system
Your employee can access qualified care through a clinical network of specialist doctors, hospitals, clinics, and diagnostic services available nationwide.
Fast claims settlement
Through the support line 210 042 490, available on weekdays from 8:30 am to 7:00 pm.
Costs
Roles and salaries
Role
Salary
Payroll
Total annual premium
Role
Domestic workers (monthly)
Salary
€665
Payroll
€9,310
Total annual premium
€184.50
Role
Domestic workers (hourly)
Salary
€6 (6 hours per week)
Payroll
€2.184
Total annual premium
€43,28
Role
Driver
Salary
€750 monthly
Payroll
€10,500
Total annual premium
€357.08
Role
Gardner
Salary
€10 per hour (2 hours p/week)
Payroll
€1.213,33
Total annual premium
€41,27
A policy fee of €5.38 (including legal charges) is added with the first premium payment.
The payroll to be insured for each employee is calculated as follows:
- Monthly payment: Monthly salary × 14 months + food and accommodation × 11 months
- Hourly payment: Hourly rate × number of hours per week × 60.667 weeks (includes a proportion for the 13th and 14th months).
Compensations
These are the guaranteed compensations
Compensations
Compensations
- Medical and surgical assistance, general or specialized, including diagnostic and treatment services, as well as home visits;
- Medication and pharmaceutical assistance;
- Nursing care;
- Hospitalization and thermal treatments;
- Medical or functional rehabilitation for active living;
- Psychotherapeutic support for the injured person’s family;
- Psychological and psychiatric assistance for the injured person and their family, as deemed necessary by the attending physician.
Compensations
- Transportation for medical observation, treatment, or attendance at judicial proceedings;
- Provision of assistive devices and other technical aids to compensate for functional limitations, including their renewal and repair;
- Professional and social rehabilitation and reintegration services, including workplace adaptation;
- Lodging.
Compensations
- Compensation for temporary incapacity to work;
- Lump-sum compensation and pension for permanent incapacity to work;
- Allowance for cases of severe permanent incapacity to work;
- Death benefit
- Funeral expense allowance;
- Death pension.
Compensations
- Provisional pension;
- Supplementary compensation for third-party assistance;
- Allowance for home adaptations;
- Allowance for participation in professional rehabilitation programs to support the injured person’s reintegration into the job market.
Subscribe and report a claim
It’s quick and easy
Subscribe and report a claim
It’s quick and easy
Frequently asked questions
Questions? We’ll help
Fill out the Electronic Report of the Portuguese Insurers Association through the link: [https://pat.apseguradores.pt](https://pat.apseguradores.pt) or download the claim report form, submit it at any Millennium bcp branch, or send it by mail to: Apartado 15009, 1074-003 Lisbon
Or by email to: sinistros.acidentes.trabalho@ocidental.pt
Fill out the Electronic Report of the Portuguese Insurers Association through the link: [https://pat.apseguradores.pt](https://pat.apseguradores.pt) or download the claim report form, submit it at any Millennium bcp branch, or send it by mail to: Apartado 15009, 1074-003 Lisbon
Or by email to: sinistros.acidentes.trabalho@ocidental.pt
If you have any questions, call us on 210 042 490 (available on business days from 8:30 am to 7:00 pm) or visit a Millennium bcp branch.
If you have any questions, call us on 210 042 490 (available on business days from 8:30 am to 7:00 pm) or visit a Millennium bcp branch.
Frequently asked questions
Questions? We’ll help
Fill out the Electronic Report of the Portuguese Insurers Association through the link: [https://pat.apseguradores.pt](https://pat.apseguradores.pt) or download the claim report form, submit it at any Millennium bcp branch, or send it by mail to: Apartado 15009, 1074-003 Lisbon
Or by email to: sinistros.acidentes.trabalho@ocidental.pt
Fill out the Electronic Report of the Portuguese Insurers Association through the link: [https://pat.apseguradores.pt](https://pat.apseguradores.pt) or download the claim report form, submit it at any Millennium bcp branch, or send it by mail to: Apartado 15009, 1074-003 Lisbon
Or by email to: sinistros.acidentes.trabalho@ocidental.pt
If you have any questions, call us on 210 042 490 (available on business days from 8:30 am to 7:00 pm) or visit a Millennium bcp branch.
If you have any questions, call us on 210 042 490 (available on business days from 8:30 am to 7:00 pm) or visit a Millennium bcp branch.