In our society, which is ever more technological, the only factor which cannot yet be purchased is time. Even though each of us aspires to have a lot more time available, very often what happens is the exact opposite! Yet, if even well over ten year ago people talked about “the strain and stress of modern life”, as quoted by a famous commercial, just imagine today. This continuous race against time makes a slowdown in one’s rhythms a real luxury, especially if this has not been planned but takes place as a result of some unforeseen circumstances. It is sufficient to incur in an even minor accident affecting a limb, for instance, and restraining our mobility, to complicate our life and involve damages, also of a financial nature. At least for this latter aspect, it is luckily possible to find a remedy, thanks to an insurance policy, such as Toro Tutela, which has been created by the insurance company Toro Assicurazioni for the very purpose of solving in terms of compensation, daily allowance, expense advance and reimbursement, the financial and organisation problems which may indeed derive from an accident of whatever extent. Indeed, the objective of this policy is that of meeting in the most comprehensive and advanced manner our requirements in terms of personal and family ease and safety. This is a major objective, which has influenced the implementation stage for this insurance product, so that, for instance, the structure which has proved more feasible is a modular one, since it is flexible and hence capable of offering to each person the possibility of a tailored insurance, with all the unquestionable advantages that follow.
Toro Tutela is therefore made up of five sections:
- Accidents - Accident or Sickness Daily Allowance
- Major Surgical Operations
- Assistances
- Legal Defence
The first two sections include, in addition to the basic package, a number of optional guarantees, which may be added depending on individual requirements and which, as for the Major Surgical Operations section, may be also purchased individually . Since the Assistances and Legal Defence sections complete the product, they cannot be purchased independently of the first three.
A further aspect characterising Toro Tutela is represented by the particularly advantageous conditions in terms of advances, for which two types are provided for:
- Compensation advance
- Immediate advance of indispensable expenses in case of accident
The former makes it possible to apply, 150 days after filling a reimbursable accident report, for payment of an advance up to a maximum of 50% of the foreseen compensation (in the event of a permanent disability exceeding 30%). The latter represents an important novelty introduced within the Toro Tutela scheme, as it makes it possible to obtain an advance aimed at meeting, in fact, indispensable expenses in the event of an accident involving an expected permanent disability equal to, or exceeding, 10%. As mentioned earlier, Toro Tutela may be “enriched”, according to a modular, comprehensive and highly customisable system, with other guarantees, that is:
- Temporary disability, providing for the award of a daily allowance, for a maximum period of one day since the day of the accident, for those who, following the accident, are not able to carry out, even only in part, their own occupations for a limited period of time.
- Hospitalisation or convalescence daily allowance following an accident, which awards a daily amount equivalent to the sum agreed at time of signing the policy, in the event of hospitalisation and of a possible subsequent convalescence period.
- Plastering daily allowance with or without hospitalisation. This is an innovatory and particularly advanced guarantee, in that it awards a daily allowance for all accidents involving immobilisation of any type, that is: application of plaster or the like, external orthopaedic braces, external fixing devices, finger splints, immobilization for displaced rib or pelvis fracture and non-displaced fracture of at least two costal arches.
Furthermore, it is appropriate to stress that Toro Tutela applies for accidents taking place both during the professional activity stated by the Client and during activities related to private life. Moreover, for the very reasons stated above, the accident policy represents today an extremely useful and practical form of safeguard; a way of “locking the stable door before the horse is stolen”; a way of avoiding the typical exclamation: ”Gosh! If only I had an insurance!”, knowing that you have placed your trust in somebody who is 160 years old, but doesn’t look it!
Toro Assicurazioni SpA
