Sometimes it's hard to do two things at once

When things are tough, it's not easy to take decisions. Relying on professionals can make everything a bit easier.

Funeral service

Whatever the cause of death, a professional team will take care of coordinating, organising and delivering funeral services.

Funeral home

The insurance that covers all final expenses, including the funeral home.

Customised. Made to measure

Your policy lets you take out extended guarantees to customise your policy, a list of which is provided under the cover tab.


See Coverages Coverages

Your can adapt the Siempre funeral insurance policy to your needs by adding other types of coverage to the basic coverage.

Insurance coverage
Funeral insurance
Funeral service
Burial complements
Funeral home
Additional assistance
Free choice of cemetery
Extraordinary expenses
Special services
Travel assistance
A. For the insureds
A.1. Due to death:
Transportation or repatriation with free choice of cemetery
A.2. Due to accident or serious illness:
In Spain:
Transfer by ambulance
Emergency medical expenses
Emergency dental work
Dispatch of medical specialist
Extension of hotel stay
€150/day (maximum €1,500)
Repatriation on health grounds
B. For travel of one person
Return ticket
Accommodation and maintenance expenses in Spain
€125/day (maximum €1,250)
Accommodation and maintenance expenses abroad
€150/day (maximum €1,500)
Accidental death of the person travelling
C. Help for minors and companions
D. Other benefits
In Spain and abroad:
Early return
Sending of urgent messages
Location of baggage
Replacement of baggage (maximum)
€300/insured €1,200/claim
Location and rescue
Maximum €1,500
Sending of medication
Abroad only:
Remote medical consultation
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
Assistance to people
Service coordination
Management of services for uninsured family members
Family legal consultations
Processing of documents due to death
Benefit or €60, maximum
3 hours maximum
Optional guarantees
A. Permanent disability
Apply scale up to insured sum
B. Major disability
Insured sum
C. Cosmetic surgery
Insured sum
D. Death
D.1 Death or accident
Insured sum
D.2. Double capital for death of both spouses
Additional capital equal to insured sum in D.1.
D.3. Death as a result of heart attack
Insured sum
Daily allowance taken out; 90 days maximum
Post-hospital care
Remote care
6 months maximum
Domestic staff
4 months maximum
Teaching staff
3 months maximum or €1,000 maximum

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.


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 policy is only available to people between the ages of 65 and 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?


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

We’re here to answer your banking queries and provide you with technical support.

More information
902 365 563
ATMs and branches