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See Coverage Coverage

Your can adapt the Siempre funeral insurance policy to your needs. On top of the basic cover, you can add other types of cover that may be of interest to you.

Insurance coverage


GUARANTEE LIMITS
Funeral insurance
Funeral service Sum insured
Funeral parlour Included
Transportation Unlimited
Service coordination Unlimited
Psychological help 3 hours maximum
Processing of death-related documents Benefit or €60, maximum
Extraordinary Expenses Unlimited
Special services Unlimited
Family Legal Consultation Unlimited
Free choice of cemetery Unlimited
Ad hoc expenses Unlimited
Special services Unlimited
Travel assistance Included
A. For the insureds
A.1. Due to death:
Transportation or repatriation with free choice of cemetery Unlimited
A.2. Due to accident or serious illness:
In Spain:
Transfer by ambulance Unlimited
Abroad:
Urgent medical expenses €12,000/person
Emergency dental work €350/person
Dispatch of medical specialist Unlimited
Extension of hotel stay €150/day (maximum €1,500)
Health repatriation Unlimited
B. For travel of one person
Return ticket Unlimited
Accommodation and living expenses in Spain €125/day (maximum €1,250)
Accommodation and maintenance expenses abroad €150/day (maximum €1,500)
Accidental death of the person who travels €12,000
C. Help for minors and companions Unlimited
D. Other benefits
In Spain and abroad:
Early return Unlimited
Sending of urgent messages Unlimited
Location of luggage Unlimited
Replacement of luggage (maximum) €300/insured €1,200/claim
Location and rescue Maximum €1,500
Dispatch of medications Unlimited
Abroad only:
Remote medical consultation Unlimited
Advances of funds for hospitalisation (bond) Maximum €12,000
Advance of funds due to traffic accident (bond) Maximum €6,600
Advance of funds due to traffic accident (lawyers) Maximum €1,000
Advance of funds due to accident, illness, theft or loss Maximum €900
Information service Unlimited
Optional guarantees
Accidents
A. Death
A.1 Death or accident €10,000
A.2. Double capital for death of both spouses €10,000
Services and types of life cover Included

See Terms and conditions Terms and conditions

You always have to ask a simple question about your health before applying to take out health insurance.

The insurance is always a renewable annual policy, and the premium is always updated annually according to CPI.

There are different terms and conditions depending on your age when you contract the insurance:

  • Policy with one insured person: between 18 and 65 years of age.
  • Policy with more than one insured person: between 0 and 70 years of age.
  • People aged over 70 and up to 75 years of age may apply for insurance. However, their applications will have to be approved by the company and they will have to answer the health questionnaire, provided that there are other insured persons under 65 years of age.
  • People over 75 years of age can't take out this insurance policy.

The maximum number of insured persons under a single policy is ten.

See FAQs FAQs

What are the advantages of having a funeral insurance policy?

There are basically two: to ensure that your funeral expenses are not a problem for your loved ones and also so that they don't have to deal with a lot of red tape and administrative procedures.

Until what age can I take out a funeral insurance policy?

With Bankinter, you can take out a funeral insurance policy up to the age of 100 (depending on what type you choose).

What types of funeral insurance can you take out?

This policy has three types depending on the customers’ needs:

  • One-time payment: this is a one-off premium payment; the insured party is covered for life, and does not need to do regular check-ups or answer health questionnaires. This type of insurance is the most suitable for over 65s and can be taken out up to the age of 100.
  • Always: recommended for people under 70 years of age. What sets this insurance policy apart is that in addition to the traditional death policy, it includes a catalogue of commonly used life services: medical check-ups, travel assistance, home help, etc.
  • Foreign residents: For foreigners who usually reside in Spain but intend to return to their country of origin within a few years or when they retire. Your can take out our foreign residents insurance policy until the age of 65.

However, the order for the additional contribution or redemption will be collected and processed as quickly as possible.

How many people can be insured on the same policy?

You can insure up to 10 people.

Can I change my insurance company?

Yes, you can change company as often as you wish (just like your vehicle or household insurance).

Do insurance companies work all over Spain?

Yes, all the companies work all over Spain thanks to agreements with local funeral homes.

What types of funeral service can you choose?

You can choose from the following funeral services:

  • Burial: service for the burial of insured mortal remains
  • Cremation: service to cremate insured mortal remains
  • Burial rates: in this service, only the rates for the niche tomb/grave site owned by the policyholders are insured.

What happens if the insured person owns a niche tomb or grave site?

In this case, you should take out the burial rates service. This service covers the rates for opening and closing the tomb/grave site owned by the policyholders.

Can I choose the funeral company?

Yes.

Can I choose a cemetery?

Yes. In Spain, the company will cover the cost of transporting the deceased person to the local cemetery chosen by his/her relatives, as long as the competent authorities do not object.

What should I do if an insured person dies?

Please call the 24-hour service number 918 366 225 to open the claim process. The customer service agent will give you all the information you need about the policy and the benefits of the service.

Bankinter has the solution

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