Get Free Information with No Obligation — We Guarantee the Best Price and Coverage

▷ Death Insurance ⭐

  And Many More…

Insurance Death AMA Spain

AMA Death Insurance, (by its initials in English, American Medical Association) is a mutual company operating in Spain. It has been providing services to healthcare professionals for over half a century. The so-called Mutual Society for Healthcare Professionals (A.M.A.) was established in 1965 with a firm commitment to offer quality coverage to workers in the healthcare sector. To date, it has continued to expand its services and members, making A.M.A Death Insurance today one of the leading death insurance providers for healthcare professionals in the country. The AMA Death Insurance is considered among the best in Spain.

AMA Insurance Spain, as a mutual company, is a benchmark in the industry. This is because, during the most difficult moments, it offers various professional services that are necessary both for care and for the support that the family deserves.

For this reason, the mutual society includes a wide range of services that make AMA Death Insurance both innovative and comprehensive, as well as highly reliable. Over the years, A.M.A Death Insurance Spain has grown steadily, becoming a prestigious mutual company across Spain. Currently, AMA Burial Insurance has established it as one of the leading death insurance mutuals in the field of death coverage policies.

A.M.A Death Insurance offers an extensive range of insurance products for individuals and healthcare professionals. It provides funeral and transfer services, travel assistance abroad, legal assistance, online wills, psychological support, advance healthcare directives, and digital life management. It also offers personalized 24/7 assistance. The portfolio of A.M.A Spain includes A.M.A Life, A.M.A Home, A.M.A Death Insurance, A.M.A Car, A.M.A Motorcycle, A.M.A Moped, A.M.A Boats, and much more.

Why Take Out AMA Death Insurance?

By taking out AMA Death Insurance, you can have the peace of mind that both you and your family want. Its modality is Family Assistance Death Insurance.

In the most difficult moments, AMA Burial Insurance is more than just a death policy. This is because AMA Family Assistance Death Insurance provides all the specialized services necessary, with the care and support your family deserves. With just one call, it takes care of everything: complete funeral service, national or international transfer to the burial location in Spain, and all that is required to assist in this process, including psychological support.

For the spouse and first-degree relatives, it provides psychological assistance at the place of death, during the wake or burial, and in-person psychological consultations. It includes an online will preparation service, as well as for advance healthcare directives. Finally, it offers assistance in removing the deceased’s personal information and data from social media and the internet. AMA Insurance Spain provides an extensive network of offices throughout the national territory. It is a non-profit mutual company focused on meeting the insurance needs of the healthcare sector, adapting to the social particularities of that sector.

AMA Death Insurance has multiple benefits. Therefore, if you have not yet taken out burial insurance in advance, now is the time. It offers you the opportunity to have peace of mind with a single payment, as AMA Death Insurance will handle all paperwork, transfers within Spain, and procedures in the event of a death. AMA Death Insurance has the backing and reliability of a responsible mutual company, guaranteeing timely and efficient services. AMA Insurance Spain also has excellent communication tools, including its online portal, which makes it easy to complete all kinds of procedures with just one click.

Conditions for Taking Out AMA Death Insurance Spain

The advantages of taking out burial insurance are many. But the most important is that it provides peace of mind, knowing that your family will not have to worry about anything if something were to happen to you. In the event that it does happen, by choosing burial insurance that covers funeral expenses, many complications can be avoided during such difficult times. For this reason, if you have chosen AMA Death Insurance, we will briefly explain here all the steps you need to take to contract the AMA death insurance policy and achieve that peace of mind for you and your family.

First, you must complete the death insurance application form and a health questionnaire provided by AMA Insurance Spain. Fill in the information carefully. Take your time so that nothing is omitted, as the legality of your insurance contract will depend on the accuracy of the information you provide.

You must also consider your age. If you are between 18 and 70 years old, you can choose from several options such as AMA Level-Premium Death Insurance, Natural-Premium, or Mixed-Premium. If you are 70 years old, you will only have the option of the Level-Premium insurance. However, other death insurance providers may extend the age limit up to 80 years, and some other companies may even accept clients up to 84 years old.

What Documentation Do I Need to Take Out AMA Death Insurance?

Death insurance allows the insured, with just a simple phone call, to organize everything related to a burial. This is something that, in such difficult moments, when the death of any insured member occurs, is very complicated to arrange on your own. Not having death insurance affects the entire family group both bureaucratically and financially. Therefore, taking out death insurance saves both time and money.

In general, in the world of insurance companies, certain documents are required when contracting a death insurance policy. Here, we will explain—and assist you if needed—what is required if you are unsure about these procedures. Generally, all death insurance companies request the same information when acquiring a policy. The documentation needed to take out AMA Death Insurance is as follows:

1. No Serious Illness Prior to Contracting. Not having serious illnesses is important to be able to contract death insurance, as these conditions are not covered under death insurance policies.
2. Policyholder Over 18 Years Old. It is important that the person contracting death insurance is of legal age. As for the other members to be included in the policy, there are no age restrictions—they can be any age.
3. Full Name. It is necessary to know the full name of the insured, as this allows easy identification of the people included in the contract, facilitating the management of the burial without delays.
4. Photocopy of ID, NIE, or Passport of the Policyholder. Any of these documents must be valid. In other words, they cannot be expired at the time of signing the policy.
5. Bank Account in Spain.
6. Dates of Birth of All Insured Members. Knowing the birth dates of each member is necessary because their ages will determine the cost of the policy.
7. Address. The insured’s address is essential, as the province in which the insured lives will affect the calculation of the death insurance cost.
8. Complete the Health Questionnaire. Properly completing the health questionnaire allows the company to determine whether potential insured members have any pre-existing or chronic illnesses. This form must be filled out honestly.

What Factors Influence the Price of AMA Death Insurance?

Like any other policy, death insurance offers a range of products with various rates attractive to clients, allowing them to choose and contract the most suitable insurance. When creating a death insurance policy for each insured, insurance companies must consider several factors that affect the cost. This allows the insurer to assess the risk and calculate the premium. This does not only apply to AMA. Therefore, the information provided below is generally applicable to all death insurance providers.

If you want to take out death insurance, it is important to understand that not all policies have the same price. As mentioned, certain factors determine the cost of the insurance. Below, we will explain which factors influence the price of AMA Death Insurance, and we will assist you throughout the process Free and Without Obligation.

1. Coverages: The price of the death insurance policy varies depending on the coverages you choose or if you select additional coverages. By opting for extra coverage, you gain more privileges, but the policy will have a higher cost.
2. Dates of Birth: Age, just like in health insurance, affects the price of death insurance. The older the insured, the higher the risk assumed by the insurance company. Therefore, each death insurance policy is adapted to each insured. When taking out AMA Death Insurance, the coverage is tailored to each insured member, taking into account their age when calculating the cost.
3. Area of Residence: The place of residence affects the cost because burial expenses vary depending on location. Renting or purchasing a burial niche in Barcelona is not the same as in Madrid or other areas. Therefore, depending on where you live, the price of the death insurance may vary.
4. Repatriation: The cost depends on the country to which you want to be repatriated or how far it is. Repatriation is therefore a decisive factor when calculating the policy price.

How Can I Cancel AMA Death Insurance?

On several occasions and for various reasons, people who have death insurance, after paying for this service for years, may find themselves needing to cancel it. This can be a very difficult decision to make. Some of the reasons for canceling death insurance include the insured experiencing a precarious financial situation, dissatisfaction with the insurance company, or the insured receiving a better offer from another insurer. These are just a few of the many reasons why someone might want to cancel their death insurance.

If you no longer wish to have a death insurance policy, there are many ways to cancel it. Canceling death insurance is a very simple procedure. In this case, the AMA Death Insurance contract is for 12 months, but this is not only applicable to AMA Death Insurance—all death insurance companies operate similarly. According to Spanish burial insurance law, to cancel AMA Death Insurance, you must notify your company one month before the policy’s anniversary.

For example: If your AMA Death Insurance policy—or a policy from another death insurance company—ends on December 31, you must notify the insurance company of your decision not to renew before November 30.

What Is the Waiting Period for AMA Death Insurance?

A waiting period is the period of time established from the day the death insurance policy becomes effective until the day the insured person can access a specific guarantee. This is when the insured can begin to enjoy the coverages of the death insurance policy they have contracted. In these cases, the waiting period generally affects certain coverages, which cannot be used immediately after the contract is signed. This is done to protect the financial interests of the insurance company with which the policy has been contracted.

Therefore, in the case of the waiting period for AMA Death Insurance, we can define it as the time, measured in months from the policy start date or contract date, that must pass before some of the contracted coverages of the insurance can be used. If you fill out the form above, we will advise you on the best option according to your specific situation and answer all your questions.

What Are the Exclusions of AMA Death Insurance?

The main goal when someone decides to take out a death insurance policy is to prevent their family from having to bear the high costs of organizing a burial. It also seeks to avoid the bureaucratic procedures involved, which can be very cumbersome. Therefore, before taking out death insurance, it is ideal to consider a series of details that can significantly influence the policy. One of the most important of these details is the policy exclusions.

Anyone wishing to contract death insurance should take into account not only the coverages they want to include but also what is not included in the policy. By knowing both the inclusions and exclusions, there should be no doubts when deciding to contract a death insurance policy.

In the case of AMA Death Insurance, as with other insurers, the policies typically exclude deaths caused by natural disasters, radioactive radiation, nuclear energy, acts of war, terrorist acts, or civil unrest. They also exclude cases that do not give rise to compensation according to the Insurance Contract Law, as well as deaths that occur before the payment of the first premium.

Can I Take Out AMA Death Insurance with a Serious Illness?

As observed, in general, death insurance policies are not all the same, as they have different coverages and prices. Therefore, before contracting a death insurance policy, it is important to consider certain elements that may allow or prevent the policy from being issued. One of the most important elements for the insurer is to know whether the person and other members to be insured suffer from serious illnesses. These include any type of cancer, cardiac complications such as a myocardial infarction, and many others. These illnesses are generally difficult to cure and, in most cases, result in the death of the person who suffers from them.

For this reason, unfortunately, it is not possible to contract death insurance with a serious illness in Spain. Due to the high risk, according to Article 10 of Law 50/1980, of October 8, on Death Insurance Contracts in Spain, the insurer is exempt from paying any compensation if false information is provided in the medical questionnaire regarding the insured’s health, thereby omitting any pre-existing serious illness.

However, if you have a serious illness, it is possible to take out AMA Death Insurance once the illness has been overcome without serious aftereffects. This must be verified beforehand. In such cases, the insurance company may request certain documentation to prove that you do not have any serious condition at the time of contracting the death insurance policy.

Insurance Death AMA Spain

Main Coverages Insurance Death AMA Spain