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

▷ Death Insurance ⭐

  And Many More…

Insurance Death Bilbao Spain

Bilbao Death Insurance was founded in 1918 as a result of a business opportunity in the maritime and transportation insurance sector that arose for three businessmen from Bilbao. Serving this sector, it remained focused until the 1930s, when it expanded its scope and began offering fire insurance. The expansion continued, and by the 1940s, it started marketing Death, Life, and Accident Insurance. During the same decade, it began its geographic expansion by creating branches in Madrid, Barcelona, and Seville. Bilbao Death Insurance, in continuous growth, joined the Catalana Occidente Group in 2004.

Bilbao Insurance successfully developed over all these years, in line with social changes, always providing attention to the needs of its policyholders. Today, it is a well-known brand, valued by the community and the market alike.

The development of Bilbao Insurance is based on a business model of efficient and profitable insurance, providing excellent customer service. It has a distribution chain based on intermediaries who offer professional and close-to-client service. They are, and have been, the backbone of the insurer’s development process. Its long-term strategy aims to be the leading company offering insurance and family and small-to-medium business protection services. It also intends to lead the international insurance market for commercial businesses.

Bilbao Insurance offers an extensive portfolio designed mainly for individuals, professionals, commercial businesses, and small-to-medium enterprises: Bilbao Savings and Retirement Insurance, Bilbao Life Insurance, Bilbao Home Insurance, Bilbao Death Insurance, Bilbao Health Insurance, Bilbao Car Insurance, and much more.

Why Contract Bilbao Death Insurance?

Bilbao Death Insurance provides a complete service for processing after a death, regardless of the cause and the place where it occurs. It has three options: Single-Premium Death and Repatriation.

A Bilbao Burial Insurance is more than a Death policy, as with this policy coverage can be extended to all members of your family who live in the same household. Bilbao Death Insurance is a flexible insurance, which also allows you to insure elderly members through a single premium. On the other hand, when contracting Burial Insurance, the insurer takes care of transferring the body from any location to the chosen cemetery in Spain.

With Bilbao Death Insurance, you can access the service at any hour of the day or night, no matter when the death occurs, because they provide uninterrupted assistance. They offer all the information you require with a single phone call. It covers funeral services, online will, and digital footprint erasure. Bilbao Death Insurance provides discounts on special services with no limitations due to age or illness, such as primary care with top-tier specialists. Bilbao Insurance also offers: Escort car, Remembrances, Funeral home hall, Administrative fees, Health and civil permits, Burial arrangements, Burial or cremation costs and urn for ashes, Taxes and fees, Judicial removal of the body if necessary.

You will also have optional guarantees that you can contract easily, such as rental or purchase of a niche, grave or mausoleum, tombstone and engraving, obituaries, musical performers, and embalming. All at accessible prices.

Conditions to Contract Bilbao Death Insurance

Bilbao Burial Insurance basically serves to provide support to family members in a difficult moment. It simplifies procedures after a death and covers all expenses arising from the burial. It covers everything from the transfer of the deceased to bureaucratic costs related to the will and legal matters derived from the death. Contracting Bilbao Burial Insurance is extremely simple. If your choice has been Bilbao Death Insurance, pay attention, because we will next indicate what you must take into consideration to contract the Bilbao Death Policy.

To begin, contact your insurance agent in order to obtain both the death insurance application and the Bilbao health questionnaire, which will be provided to you by Bilbao Insurance. Then, with time and dedication, provide the requested information, especially those related to your health or that of your family.

Now, if you are between 18 and 65 years old and in good health, you can choose among three insurance options. These are the Bilbao Level-Premium Death Insurance, the Natural-Premium Insurance, and the Mixed-Premium Insurance. However, there are Death Insurance providers that expand the age limit up to 80 years. Likewise, there are other Death Insurance providers that make it even more extensive, allowing it up to 84 years.

What Documentation Do I Need to Contract Bilbao Death Insurance?

Through death insurance, you have a very useful and beneficial product, in which, with a single phone call, the client can access everything related to a burial. This is undoubtedly important, because without this valuable tool, carrying out all matters related to a burial would be very difficult. In that case, the family would be greatly affected financially, and the time and willingness to organize it in those painful moments would be almost nonexistent. Thus, having death insurance represents an excellent investment that provides the client with all the peace of mind they need, as well as substantial savings in time and money.

Now, if you wish to contract a death policy, you should know that insurers require certain requirements. Generally, all death insurance companies request the same information when contracting a death policy. In that case, the necessary documentation to contract Bilbao Death Insurance would be the following:

1. Not suffering from any serious illness before contracting. If the applicant has any serious illness, it is important to know that insurers do not cover them. Therefore, if you suffer from any serious illness, it will not be possible to contract death insurance.
2. Policyholder over 18 years old. It is essential that the person requesting and formalizing the process to obtain a death policy is of legal age. However, regarding the other members to be insured, this will not be a limiting requirement. That is, the other persons included in a death policy do not have age-related problems to be accepted.
3. Full name. When contracting death insurance, and if any of the insured persons passes away, there should be no complications regarding the procedure and organization of the burial if their full name has been indicated clearly and precisely in the contract.
4. Photocopy of DNI, NIE, or passport of the policyholder. Any of these documents provided to obtain death insurance must be fully valid. This will prevent any type of delays, as expired documents will be immediately rejected.
5. Bank account in Spain.
6. Birth dates of all insured persons. The birth date of each member to be insured determines the age. Knowing each member’s age precisely allows the insurance company to calculate the corresponding premium for the policy without complications.
7. Address. Knowing the applicant’s residential address is perhaps one of the most important elements for insurers to calculate the policy value. Therefore, by knowing the province where the insured is located, it will be possible to determine the cost of the death insurance.
8. Fill out the health questionnaire. When contracting death insurance, filling out the health questionnaire allows knowing if the persons to be insured have any type of preexisting or chronic illness.

What Factors Influence the Price of Bilbao Death Insurance?

In general, insurance companies aim to design the most suitable death insurance according to what you really need. But to achieve this, certain elements that considerably influence the value of the insurance to be contracted must be taken into account. By understanding this series of factors, the insurer is able to assess the risks and proceed to calculate the premium of the insurance to be offered. Now, this is a standardized process, therefore, it does not only apply to Bilbao. Thus, the information we will provide below is equally valid for all death insurance companies.

Next, we will tell you which factors influence the price of Bilbao Death Insurance, so we will assist you throughout the entire process free of charge and without obligation.

1. Coverages: The price of a death insurance policy varies according to the coverages you contract, or if you contract additional coverages. Therefore, when contracting extra coverages, you will have better privileges, but the policy will have a higher price.
2. Birth dates: Age, as in health insurance, influences the price of death insurance. The older the age, the higher the risk assumed by the insurance company. In addition, there is a type of death insurance according to your age. For example, for those over 65 years old, the Bilbao Single-Premium Death Insurance is usually contracted. This is a valuable product for these elderly individuals.
3. Residence area: The area of residence influences the price because a burial and the associated costs are not the same in all locations. Renting or purchasing a niche in Barcelona is not the same as in Madrid or another area. Therefore, depending on where you live, the price of death insurance may vary.
4. Repatriation: This depends on the country to which you want to be repatriated or how far it is, which can raise or lower the price. Therefore, repatriation is a decisive factor when calculating the policy price.

How Can I Cancel Bilbao Death Insurance?

Probably, after paying for death insurance for a long time, many people find themselves in the need to cancel it. There are many reasons why someone might want to cancel a death insurance policy, among which we have the existence of a more attractive offer from a competing insurance company that causes the person to change insurers. It is also possible to have serious issues with the contracting insurer, due to poor-quality services. And even more importantly, the contracting person may face a difficult economic situation that forces them to give up the insurance.

Now, if any of these reasons arise that make you need to cancel your policy, you should know that there are various ways to do it. In this way, when taking this unfortunate decision, there should be no complications, since canceling it is a very simple procedure.

In these cases, the Bilbao Death Insurance contract is for 12 months, but this is not only applicable to Bilbao Death Insurance; all death insurance companies are the same because Spanish burial insurance law indicates that to cancel Bilbao Death Insurance, you must notify your company 1 month before the year of contracting is completed. Example: if your Bilbao Death Insurance policy or that of another death insurance company ends on December 31, you must inform the insurance company of your decision not to renew before November 30.

What Is the Waiting Period for Bilbao Death Insurance?

In order to protect the economic interests of the contracting insurer, the so-called waiting period arises. This is nothing more than the period of time established from the day the death insurance registration begins until the day the insured person has coverage. Therefore, at the end of this time lapse, it will be possible to enjoy the contracted coverages, which, while the waiting period is active, are postponed.

The waiting period for Bilbao Death Insurance can then be defined as the period of time, measured in months from the registration or contracting date of the Bilbao Death Insurance policy, during which some of the contracted coverages of the insurance cannot yet be used. If you fill out the form above, we will advise you on the best option according to your specific case and answer all your questions.

What Exclusions Does Bilbao Death Insurance Have?

When contracting a death insurance policy, we all seek to avoid those very expensive costs involved in organizing a burial, as well as avoid those cumbersome and difficult procedures that are also part of those terrible moments. Now, before contracting death insurance, it is most sensible to know that there are some elements that significantly influence the contracting process. Among these elements, one of great importance is exclusions, which are elements always present in death insurance and must be known in order to understand clearly what can or cannot be covered by a policy.

In this case, the guarantees of death insurance in Bilbao, as in other insurers, usually exclude: deaths caused by natural disasters, radioactive radiation, nuclear energy, acts of war, terrorist acts, or riots. Also excluded are cases that do not give rise to any type of compensation according to the insurance contract law and those corresponding to deaths occurring before the payment of the first installment or premium.

Can I Contract Bilbao Death Insurance with a Serious Illness?

Knowing which factors can make it possible or not to contract death insurance is essential. Therefore, it is important to know that among these limiting elements are the so-called serious illnesses. Thus, if a person suffers from any type of cancer, any type of chronic kidney failure, leukemia, tuberculosis, among some other serious illnesses, unfortunately it will not be possible to contract death insurance because these pathologies are considered serious illnesses in Spain.

Due to the high risk, according to Article 10 of Law 50/1980, of October 8, on the insurance contract of death in Spain, the insurer will be exempt from paying any compensation in case false information is provided in the medical questionnaire regarding the insured’s health status, thereby omitting any preexisting serious illness. However, if the insured client has had a serious illness, it will be possible to contract Bilbao Death Insurance only if the illness has been overcome, without severe aftereffects. Nevertheless, this must be verified beforehand. For this purpose, insurers may request from the policyholder certain documentation to certify that no severe aftereffects remain as a consequence of any serious condition the person has or has had.

Insurance Death Bilbao Spain

Main Coverages of Insurance Death Bilbao Spain