The definition of an accident is an emergency, violent, visible, external, accidental act that is not caused by illness and / or the action of the employee covered by the private insurance that results from it independently of all other causes and directly bodily injury that may lead to the death of the insured employee within six months from the date of the accident. (Or to any of the aforementioned additional benefits), the company is required to pay the value of the personal accident insurance amount to the contractor.