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Taking out this insurance takes is as quick as having a cup of coffee.
With a single insured amount: €50,000 for death or disability, and double indemnity for accidental death.
A single insured capital sum: €100,000
An insurance product with a single insured amount: €100,000 in the event of death or invalidity and double the capital in the event of accidental death.
Top up your existing policy
Protección 100 insurance could complement your current life and/or accident insurance: in the event of a claim, you will receive all the guarantees you have taken out, even if they are with different companies.
Bankinter Quality Programme
All of our life insurance products include this programme with prevention and well-being services: 24/7 medical information, healthy habits, second medical opinions, etc.
The guarantee will be valid until the insured reaches 70 years of age.
Absolute and permanent disability: €50,000.
The guarantee will expire when the insured reaches 67 years of age.
Additional capital in the case of accidental death: €100,000.
The guarantee will expire when the insured reaches 65 years of age.
Terms and conditions
Terms and conditions
Terms and conditions of the insurance
Be between 18 and 55 years old.
Be an individual person resident in Spain.
Can I have several life insurance policies?
Yes, you can have as many life insurance policies as you want. And all will be collected in the event of a claim.
Who can I designate as a beneficiary of my life insurance?
You can designate as many beneficiaries as you want and change them at any time. If you do not do so, your beneficiaries will be your legal heirs.
How would my family know that I have arranged life insurance?
There is a public registry of life insurance that enables beneficiaries to identify all of the deceased's current life insurance policies.
What is the duration of the life insurance policy?
The insurance contract lasts for one year and is automatically extended unless otherwise indicated. The contract can be cancelled at any time once the first twelve months have passed, by giving one month's notice.
Could the insurer rescind the insurance if I get sick?
After the first year, the company cannot cancel the insurance, unless it can be shown that the policy holder acted fraudulently when making the initial health statement.
Can I increase or decrease the guarantees contracted under my life insurance?
In this case, no. As fixed capital is insured under this insurance, it cannot be changed.
When should a death or accident be reported?
By law, this must be reported within seven days of the incident or it becoming known.
Bankinter, S.A., as a BANCASSURANCE OPERATOR with registered office at 29 Paseo de la Castellana (28046 Madrid), recorded under Volume 1857, Folio 220, Page 9643 of the Madrid Companies Register, holder of TIN 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 Madrid), http://www.dgsfp.mineco.es, under the bancassurance operator code OV-0028, has taken out the civil liability insurance required under Article 152 of Royal Decree-Law 3/2020 of 4 February on urgent measures, which incorporates into Spanish law various directives of the European Union concerning public procurement in certain sectors: private insurance, pension plans and funds, and taxation and tax litigation. The bancassurance operator has entered into insurance agency agreements with the institutions specified in the following link.
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Basic data protection information. Bankinter Seguros de Vida, S.A de Seguros y Reaseguros will process your data for the following purposes: (i) in compliance with legal obligations; (ii) for the comprehensive and centralised management of your insurance contract; (iii) to ask doctors and healthcare providers to supply the data and medical history required to prepare the contract and protect your interests; (iv) to analyse and develop profiles to ensure the correct execution of the insurance contract; and (v) to contact you with information about products or services that may be of interest to you since they are similar to the ones you already have with us. To be able to inform you about the products and services mentioned above, we will analyse your personal data to create a profile that will allow us, by whatever channel we may use to reach you, to tailor our commercial announcements as closely as possible to your needs, tastes and preferences. Please also refer to the additional information about data protection prepared by Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros.
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