Is work-accident insurance really mandatory?

Yes. It's mandatory for housekeepers in Portugal, even part-time or by the day, and it's separate from Social Security.

Doesn't Social Security cover work accidents?

It does not cover the work-accident risk in domestic service. That risk must be transferred to a private insurer through work-accident insurance.

What does the insurance cover?

Temporary or permanent incapacity, medical costs, death compensation and commuting accidents. Occupational diseases are handled by Social Security.

Do I need insurance for just a few hours?

Yes. It's mandatory even for by-the-day or part-time work, and even without a written contract.

What happens if I don't have insurance?

The employer is personally liable for all costs of an accident and faces a fine. In serious cases the cost can be very high.

Work-Accident Insurance for Housekeepers in Portugal: Is It Mandatory?

Work-accident insurance for housekeepers is mandatory in Portugal, even for by-the-day work. Learn what it covers, what the employer must do and the risks of not having it.