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Seguro de decesos siempre

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.

Seguro de Accidentes

Esta garantía incluye el fallecimiento por accidente por importe de 10.000€ y doble capital en caso de que el fallecimiento se produzca por accidente de ambos cónyuges.


See Interest hedge Interest hedge

Insurance coverage
Funeral insurance
Funeral service
Funeral complements (burial, cremation or burial rates)
Funeral parlour
Service coordination
3 hours maximum
Processing of documents due to death
Benefit or €60, maximum
Extraordinary expenses
Special services
Family Legal Consultation
Travel assistance
A. For the insured parties
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 a medical specialist
Extension of hotel stay
€150/day and maximum of €1,500
Repatriation on health grounds
B. Travel for one person
Return ticket
Accommodation and maintenance expenses in Spain
€125/day and maximum of €1,250
Accommodation and maintenance expenses abroad
€150/day and maximum of €1,500
Accidental death of the person travelling
C. Help for minors and those accompanying them
D. Other benefits
In Spain and abroad:
Early return
Sending of urgent messages
Location of baggage
Replacement of baggage, maximum of
€300/insured party €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
Additional coverage
A. Death
A.1 Death due to accident
A.2 Double capital for death of both spouses
Use of life services and coverage

See Conditions Conditions

You need to answer a simple question about your health to take out “SIEMPRE” funeral insurance.

“SIEMPRE” funeral insurance is a renewable annual policy and the premium is updated every year in line with the CPI.

Eligible ages:

  • 0 to 70, inclusive.
  • If minors are included, the policyholder must be over 18 years of age.
  • This policy is not available to people over 70 years of age. Those customers must take out a single-payment 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 110 (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 55 and 110.
  • 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
91 657 88 00
900 813 847
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