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Your insurance policy takes care of legal sanitary arrangements for repatriation or cremation, and the company staff will see to all related paperwork.
Free legal consultation
A telephone service that provides expert advice to family members about legal matters following a death: pensions, insurance, bequests, etc.
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.
3 hours maximum
Processing of death-related documents
Benefit or €60, maximum
Family Legal Consultation
Free choice of cemetery
Ad hoc expenses
A. For the insured
A.1. Due to death:
Transportation or repatriation with free choice of cemetery
A.2. Due to accident or serious illness:
Transfer by ambulance
Urgent medical expenses
Emergency dental work
Dispatch of medical specialist
Extension of hotel stay
€150/day (maximum €1,500)
B. For travel of one person
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
C. Help for minors and companions
D. Other benefits
In Spain and abroad:
Sending of urgent messages
Location of luggage
Replacement of luggage (maximum)
Location and rescue
Dispatch of medications
Remote medical consultation
Advances of funds for hospitalisation (bond)
Advance of funds due to traffic accident (bond)
Advance of funds due to traffic accident (lawyers)
Advance of funds due to accident, illness, theft or loss
A.1 Death or accident
A.2. Double capital for death of both spouses
Services and types of life cover
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 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?
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.
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Bankinter, S.A., as a bancassurance operator with registered office at 29 Paseo de la Castellana (28046 Madrid), recorded in Volume 1857, Folio 220, Page 9643 of the Madrid Companies Register, holder of tax identification number A-28157360 and registered with the special administrative registry of the General Directorate of Insurance and Pension Funds at the Ministry of the Economy and Finance (44 Paseo de la Castellana, 28046 Madridwww.dgsfp.mineco.es), under code OV-0028, has entered into insurance agency agreements with the following institutions: Bankinter Seguros de Vida, S.A., Bankinter Seguros Generales y Reaseguros, S.A., Línea Directa Aseguradora, Plus UltraSeguros Generales y Vida, S.A., Liberty Seguros, Compañía de Seguros y Reaseguros, S.A., AXA Seguros Generales, S.A. de Seguros y Reaseguros, Mapfre Familiar Compañía de Seguros y Reaseguros, S.A., Mapfre Empresas, Compañía de Seguros y Reaseguros, S.A, Mapfre Global Risk, Cia Internacional de Seguros y Reaseguros, Helvetia Compañía Suiza, S.A. de Seguros y Reaseguros, HDI Hannover International España, S.A. de Seguros y Reaseguros, Stonebridge International Insurance LTD, Financial Insurance Company Limited Spain, FinancialAssurance Company Limited Spain, SOS Seguros y Reaseguros, S.A., ACE European Group, S.A., Asefa, S.A. Seguros y Reaseguros, Solunión Seguros de Crédito Cia Internacional de Seguros y Reaseguros, S.A., Sanitas S.A de Seguros y Cigna Life Insurance Company of Europe, S.A., Metlife Europe Limited Sucursal en España and DAS (Defensa del automovilista y de siniestros internacional, S.A. de seguros).
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Basic data protection information.In Bankinter Seguros Generales S.A. de Seguros y Reaseguros, we will process your data for the following purposes: Your data will necessarily be processed for the following reasons: (i) compliance with legal obligations; (ii) comprehensive and centralised management of your insurance contract; (iii) request that doctors and healthcare providers supply the data and healthcare background needed to enable the contract's full execution and the fulfilment of your interests; (iv) analysis and profiling for appropriate execution of the insurance contract; and (v) contact you to inform you about products or services that may be of interest to you since they are similar to the products/services you have already arranged with us. So that we can inform you about the products and services described above, your personal data will be analysed to create a profile using the same, which will enable commercial announcements to be tailored as closely as possible to your needs, tastes and preferences and sent to you through any means. You can consult theadditional information on data protectionof Bankinter Seguros Generales S.A. de Seguros y Reaseguros.
Bankinter has the solution
We’re here to answer your banking queries and provide you with technical support.
1. Who is the data controller?
The data controller is Bankinter, S.A. (hereinafter referred to as 'Bankinter') with Tax ID No. A28157360 and registered office at Paseo de la Castellana 29 (28046 Madrid).
2. For what purposes do we process your data?
The data you provide us with will be processed to receive information about the corresponding request and, as applicable, formally enter into a contract for the product of interest to you.
3. What are the legitimate bases for processing your data?
The legal basis for fulfilling the purpose set out in the above section will be the processing of the request for information. Therefore, any refusal to supply the personal data requested, or the submission of inaccurate or incomplete data, could therefore render it impossible to provide you with the service. Customers are responsible for ensuring the truthfulness of the data provided, and for notifying Bankinter of any modification thereof.
4. Who will receive your data?
The data provided will not be transferred to third parties, unless there is a legally obligation to do so.
5. For how long will we process your data?
Unless you have stated otherwise, we will keep your data for a period of six months. As soon as they are no longer necessary for the purposes described above, the data will be blocked for the period for which they may be required for carrying out, or defending, administrative or legal actions, and they may only be unblocked and processed again for this purpose. Once this period has elapsed, the data will be cancelled definitively.
6. What are your rights in relation to the processing of your data?
You may exercise your rights at any time to access, rectification, erasure, opposition, restriction of processing and portability of the data in the circumstances and scope established by the applicable legislation currently in force. To exercise your rights, please contact us by writing to the following address: Bankinter, S.A. Operaciones- Protección de Datos. Calle Pico San Pedro, 1. Tres Cantos. Madrid. 28760, enclosing a copy of your national ID or any other identifying document. Please note that you also have the right to lodge a claim with the Spanish Data Protection Agency.
7. Where can I obtain further information about data processing?
You can get further information about how Bankinter processes your data at this