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Insurance so easy to arrange that you only need to answer three questions, without having to fill out eternal questionnaires. Three questions to get all the peace of mind you need.
100 protection insurance policy cover
Death: 100,000 euros.
The guarantee will be valid until the insured reaches 70 years of age.
Absolute and permanent disability: 100,000 euros.
The guarantee will expire when the insured reaches 67 years of age.
Additional capital in the case of accidental death: 100,000 euros.
The guarantee will expire when the insured reaches 65 years of age.
Terms and conditions
Terms and conditions
Terms and conditions of the insurance
To contract Protección 100 life insurance, you must:
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.
Can I name beneficiaries for my life insurance policy?
Yes, you can name as many beneficiaries as you wish and change them at any time.
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 duration of the insurance contract is one year. It will be automatically extended unless indicated otherwise. 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?
The policy excludes claims resulting from an illness or accident that were known to the insured before the insurance entered into force and that were not reported to the insurer on the health questionnaire included in the application for analysis and possible acceptance by the insurance company.
In accordance with Law 50/1980 of 8 October on Insurance Contracts, during the term of the contract the policyholder or the insured must notify the insurance company as soon as possible of any changes in the factors and circumstances declared in this insurance questionnaire that may aggravate the risk and are of such a nature that, if they had been known by the insurance company when executing the contract, the company would not have entered into it or would have issued it under far harsher terms and conditions.
However, in accordance with the same law, in the insurance of people the policyholder or the insured have no obligation to report any changes in the circumstances relating to the insured's state of health, which in no case will be considered an aggravation of the risk.
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.
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.
With the Bankinter Quality programme
A programme included in all of our insurance products that offers services for prevention and improved well-being: 24/7 medical guidance, healthy habits, second medical opinion, etc.
Life risk insurance offered by Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros and sold through 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 ID 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 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 information about data protection. 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 information published by Bankinter Seguros de Vida, S.A de Seguros y Reaseguros.
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