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Insurance Death Asisa Spain

Asisa Death Insurance was founded in 1971 with the goal of creating a healthcare assistance network in provinces where state health services did not exist. It was established as an interprovincial mutual system, which led to rapid enrollment of doctors in provinces that previously did not have such coverage. By 1973, the network already had 19 provincial mutuals and one interprovincial mutual. Asisa Death Insurance is an insurer that leads healthcare assistance throughout Spain. It is owned by the Lavinia Cooperative, with fully Spanish assets, which manages the activities of the Asisa Group through its governing bodies. Its cooperative status allows it to allocate annual profits to improve healthcare services. Its principle of a free and direct relationship with insured members ensures excellent quality of care. Asisa Death Insurance is considered among the best in Spain.

Asisa Insurance Spain provides healthcare assistance based on the patient’s free choice of doctors and direct service without intermediaries. Its cooperative structure and foundation by medical professionals demonstrate a true vocation for service and improvement in healthcare. Today, Asisa is one of the most important private healthcare companies in Spain. It serves approximately 2,200,000 insured members, offering comprehensive assistance, 15 owned clinics, and one with partial ownership, as well as 32 medical centers. It also operates a network of 35 reference services, 30 ophthalmology centers, and dental clinics staffed by around 40,000 professionals. Additionally, it offers a network of contracted centers totaling more than 1,000 facilities with approximately 30,000 hospital beds throughout the country.

Asisa Spain provides Asisa Health, Asisa Dental, Asisa Life, Asisa Accident Insurance, Asisa Death Insurance, and Asisa Travel.

Why Take Out Asisa Death Insurance?

Taking out Asisa Death Insurance allows you to live with the peace of mind that everything is planned, making life simpler with Asisa Death Insurance. No matter what happens, it ensures that all our services are at your disposal and that we remain by your side at all times. Asisa Death Insurance guarantees the serenity of living with the assurance that you and your family have everything prepared in advance. The Asisa Death Insurance policy has a clear goal: to dedicate its full capacity to providing an ever-increasing quantity and quality of services. Through this, it offers Asisa Burial Insurance with unbeatable conditions and coverages so you can live confidently knowing you have everything you need. It also provides coverage abroad in case of illness or accident.

Asisa Burial Insurance offers the best comprehensive legal assistance, covering matters related to inheritances and pensions. It includes telephone legal advice, access to a directory of lawyers, and a free consultation at the nearest associated law office. If you need a legal representative, reduced fees apply. The policy also manages widowhood and/or orphan benefits before the relevant authorities and provides legal assistance in inheritance matters.

In the event that the incident occurs abroad, Asisa Death Insurance provides extensive guarantees. It covers international transfer in the event of the insured’s death, medical repatriation, and accompaniment. In case of an accident or serious illness, it covers emergency medical expenses, sending a doctor, remote medical consultations, dental treatments, and assistance for minors abroad. It also includes automobile defense, advance of criminal bonds, message transmission, traveler information services, embassy procedures, vaccinations, early return, luggage search and recovery, and much more.

Conditions for Taking Out Asisa Death Insurance Spain

Asisa Burial Insurance offers the peace of mind you want. Everything will be prepared for when the time comes, so your family does not have to worry about anything. You may need information about the procedure and conditions to take out Asisa Burial Insurance. Here’s how it works: start by finding and completing the Asisa Death Insurance application provided by one of our Asisa advisors. The application will include your basic information as well as an Asisa Health Questionnaire, where you must indicate any current illnesses and your medical history. It is important that your application contains all requested information accurately, as this ensures there are no problems when the service is needed. Honesty and accuracy play a crucial role in this process.

If you are healthy and between 18 and 70 years old, you can take out a Natural-Premium, Level-Premium, or Mixed-Premium insurance plan.

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

Having a death insurance policy is highly beneficial and useful. Through this product and with just one phone call, the client can have everything ready to handle a burial. This is very important because, without this essential tool, organizing a burial would be quite complicated. In such painful moments, there is often neither the desire nor the time to do it, and the entire family is affected financially. Taking out death insurance is, ultimately, a good investment that provides peace of mind and results in substantial savings in both time and money—something essential during these difficult moments.

To obtain death insurance, insurance companies require certain documents. Generally, all death insurance companies request the same information when acquiring a policy. The documentation required to take out Asisa Death Insurance is as follows:

1. No serious illness prior to contracting: If the person suffers from a serious illness, it is not possible to contract death insurance, as such conditions are not covered by death insurance policies.
2. Policyholder over 18 years old: The person contracting the death insurance must be of legal age. This requirement applies only to the policyholder; there are no age restrictions for other members included in the policy.
3. Full name: Providing clear and complete names ensures there are no complications when arranging the burial of any insured member, preventing delays or obstacles.
4. Photocopy of ID, NIE, or passport of the policyholder: Any document required to take out death insurance must be valid. Expired documents will not be accepted.
5. Bank account in Spain.
6. Dates of birth of all insured members: The age of each person to be insured is crucial for calculating the cost of the policy.
7. Address: The insured’s residence is vital for insurers to calculate the policy cost. The province of residence determines the value of the death insurance to be contracted.
8. Complete the health questionnaire: Filling out the health questionnaire accurately and honestly is essential. This allows the insurer to determine if any insured person has a chronic or pre-existing condition.

What Factors Influence the Price of Asisa Death Insurance?

Death insurance policies are versatile products that offer coverages at attractive prices for each client. This allows you to choose and contract the most suitable death insurance. However, when obtaining a death insurance policy tailored to each client, several factors significantly influence its cost. Understanding these factors allows the insurance company to assess the risk and calculate the premium for the desired policy. Generally, this procedure does not apply only to Asisa; the information below is relevant for all death insurance providers.

Here are the factors that influence the price of Asisa Death Insurance, and we will assist you throughout the process free of charge and without obligation.

1. Coverages: The price of a death insurance policy varies according to the coverages you choose. If you select additional coverages, you gain more privileges, but the policy will have a higher price.
2. Dates of Birth: Age, as with medical insurance, affects the price of death insurance. The older the insured, the higher the risk for the insurance company. Additionally, there is a type of death insurance based on your age.
3. Residence Area: The area of residence matters because the cost of a burial and associated expenses varies by location. Renting or buying a burial niche in Barcelona is not the same as in Madrid or another region. Therefore, depending on where you live, the price of death insurance can vary.
4. Repatriation: The country to which you want to be repatriated or the distance involved can increase or decrease the price. Repatriation is a decisive factor when calculating the policy cost.

How Can I Cancel Asisa Death Insurance?

There are many reasons why some people, after paying for a death insurance policy for a long time, may feel the urgent need to cancel it. These reasons include experiencing financial difficulties that make it impossible to continue the insurance, serious issues with the contracted insurance company, especially regarding the services provided, or even receiving a better offer from a competing insurance company.

As we have seen, there are several reasons to cancel a death insurance policy. In such cases, it is important to know that there are many ways to do so. Cancelling the policy is a very simple procedure and should not present any complications. The contract for Asisa Death Insurance is for 12 months, but this applies not only to Asisa, as all death insurance providers follow the same rules. According to Spanish burial insurance law, to cancel Asisa Death Insurance, you must notify the company one month before the anniversary of your policy.

Example: If your Asisa Death Insurance policy, or one from another provider, expires on December 31, you must notify the insurance company of your decision not to renew before November 30.

What Is the Waiting Period for Asisa Death Insurance?

The period of time established from the day the policy begins until the day the insured can access a specific guarantee or coverage is called the waiting period. Once this period has elapsed, the insured can start enjoying the coverages of the contracted death insurance.

These waiting periods affect certain coverages, meaning they cannot be used immediately. This measure protects the financial interests of the insurance company with which the contract was signed.

Therefore, the waiting period for Asisa Death Insurance can be defined as the time, measured in months from the policy’s start date, before some of the contracted coverages can be used. By filling out the form above, we can advise you on the best option for your specific situation and answer all your questions.

What Are the Exclusions of Asisa Death Insurance?

To avoid the high costs of organizing a burial and the cumbersome and complicated procedures involved, people take out death insurance. This coverage becomes essential when a family member passes away, and having this product simplifies the process. However, before contracting a death insurance policy, it is important to understand the factors that significantly affect it. One key factor is the exclusions in death insurance policies.

These exclusions, always present in death insurance, must be known so you understand what is actually covered and what is not. For Asisa Death Insurance, as with other providers, common exclusions include: deaths caused by natural disasters, radioactive radiation, nuclear energy, acts of war, terrorist acts, or civil unrest. Also excluded are deaths that do not give rise to any compensation according to insurance contract law, and deaths occurring before the first premium or installment has been paid.

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

When signing a death insurance policy with an insurance company, it is essential to know which factors may allow or prevent contracting the policy. Among these limiting factors are serious illnesses.

Therefore, if a person suffers from cancer, a heart attack, coronary conditions, or other serious illnesses, it is unfortunately not possible to take out death insurance, as these conditions are considered high-risk in Spain. According to Spanish law, Article 10 of Law 50/1980, of October 8, regarding death insurance contracts, the insurer is exempt from paying any compensation if false information is provided in the medical questionnaire, omitting any pre-existing serious illness.

However, a person with a serious illness may be able to contract Asisa Death Insurance only if they have fully recovered from the illness without severe aftereffects. This must be verified in advance. The insurance company may request certain documentation from the policyholder to validate that no serious sequelae remain from any previously experienced serious condition.

Insurance Death Asisa Spain

Main Coverages of Insurance Death Asisa Spain