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Domestic Workers Insurance

Ready to protect those who care for your home?

This workers' compensation insurance protects the people who work for you
Pin Location O Black

Branch only

a smiling housekeeper wearing gloves and holding a scrub sponge

Domestic Workers Insurance

Ready to protect those who care for your home?

This workers' compensation insurance protects the people who work for you
Pin Location O Black

Branch only

a smiling housekeeper wearing gloves and holding a scrub sponge
a smiling housekeeper wearing gloves and holding a scrub sponge
Insurance O White

Effective protection for your employees, all in one insurance

Covers domestic workers, gardeners, and drivers, both at work and during their commute.

All the benefits

What's included?

Critical Disease O White

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.

All the benefits

What's included?

Insurance O White

Effective protection for your employees, all in one insurance

Covers domestic workers, gardeners, and drivers, both at work and during their commute.

Critical Disease O White

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.

All the benefits

What's included?

Insurance O White

Effective protection for your employees, all in one insurance

Covers domestic workers, gardeners, and drivers, both at work and during their commute.

Critical Disease O White

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.

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

Doc Manual
Read
Read
the General and Special Conditions.
the General and Special Conditions.
Contrato
Print and fill out
Print and fill out
the Insurance Proposal Form.
the Insurance Proposal Form.
Envelope
Send the form
Send the form
to Ocidental, Praça Príncipe Perfeito 2, 1990-278 Lisbon.
to Ocidental, Praça Príncipe Perfeito 2, 1990-278 Lisbon.
Contactos Prestige
Call the support line
Call the support line
at 210 042 490, available on weekdays from 8:30 am to 7:00 pm.
at 210 042 490, available on weekdays from 8:30 am to 7:00 pm.
Localizador De Sucursal
In case of emergency,
In case of emergency,
if you can’t contact by phone, go to the hospital and inform the support line as soon as possible.
if you can’t contact by phone, go to the hospital and inform the support line as soon as possible.
Doc Ok
Download the claim participation form, submit it at
Download the claim participation form, submit it at
any branch, or send it to sinistros.acidentes.trabalho@ocidental.pt.
any branch, or send it to sinistros.acidentes.trabalho@ocidental.pt.
Fill out
Pin Location O White
You can also subscribe to this insurance at the nearest branch
You can also subscribe to this insurance at the nearest branch

Where we are

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.

Subscribe insurance on the go with the app

Explore app
Screen of the Millennium app in the insurance section Screen of the Millennium app in the insurance section
Screen of the Millennium app in the insurance section

Legal documents and other information

Doc O Grey Doc O

Insurance product information document

Download
Doc O Grey Doc O

Proposal form

Download
Doc O Grey Doc O

General and special conditions

Download
Doc O Grey Doc O

Notification of incident

Download
There are exclusions provided for in the policy.
Advertising. This information does not replace the need to consult the legally required pre-contractual and contractual details.

Need help?

We are here for you

Ajuda Need help?
Here you can find the answer to all your questions
Here you can find the answer to all your questions
Localizador De Sucursal Looking for a branch?
Find the nearest branch
Find the nearest branch
Contactos Need to call us?
Call whenever you need to
Call whenever you need to
Ajuda
Need help?
Here you can find the answer to all your questions
Here you can find the answer to all your questions
Localizador De Sucursal
Looking for a branch?
Find the nearest branch
Find the nearest branch
Contactos
Need to call us?
Call whenever you need to
Call whenever you need to