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Insurance Death Clínicum Spain

Clínicum Death Insurance was created in 1949 by a group of Catalan doctors, considering the urgency of bringing high-level private medicine to all citizens. At that time, the improvement of health services was spreading, and access to renowned doctors was available only to a very few. Later, the family-based company strengthened itself and continued its development process, expanding its coverage and healthcare services. This momentum led to the founding of its own medical center, with exclusive and personalized dedication to the patients who entrusted their health to it. By the 1970s, Clínicum Death Insurance began its accelerated process of expansion and added new specialties to its ever-evolving portfolio. With the new millennium, Clínicum Death Insurance drove major changes in the organizational structure in Spain, with a significant commitment to both Life and Non-life insurance.

The strategic management of Clínicum Insurance Spain is built on four fundamental values that guide its actions and service vocation. Trust: earned from its clients since the beginning through its performance. Humanity: with which it carries out its work daily, offering a service sensitive to the individual problems of each insured or patient. Proximity: conceived as close contact and a family-like relationship with its policyholders. Honesty: showing clarity and transparency to all its stakeholders.

Always facing the challenges ahead, Clínicum Insurance Spain is one of the leading insurers in Spain, taking a strong position in the insurance market. The portfolio of Clínicum Spain consists of Clínicum Health, Clínicum Death, and Clínicum Dental.

Why Choose the Clínicum Death Insurance?

Clínicum Death Insurance provides the peace of mind a family needs in those very delicate moments. It offers support, management, and flexibility to cover all the requirements of our policyholders. It is characterized by personalized attention, professionalism, and discretion.

Clínicum Burial Insurance is more than just a Death policy, because it offers multiple benefits such as worldwide assistance, available year-round, 24 hours a day. In addition, it includes everything related to burial expenses, management and funeral costs, medical assistance while traveling and repatriation, administrative procedures and legal guidance, social support for seniors and dependents, and comprehensive online psychological counseling. Its more than 70 years of experience endorse it.

Furthermore, Clínicum Death Insurance handles transfers both within Spain and to any part of the world in the event of death. Through this product, you will gain the peace of mind you truly need, since Clínicum will take care of all administrative processes related to the transfer. Therefore, by taking out Clínicum Burial Insurance, you will receive great support in those moments of grief.

In addition, you can rely on the execution of all legal procedures by the staff of Clínicum Insurance Spain, covering both administrative and legal management, as well as funeral costs.

Conditions for Taking Out the Clínicum Death Insurance Spain

The primary purpose of Death Insurance is to provide funeral services upon the passing of the insured. Likewise, a burial insurance policy facilitates the necessary transfers and offers support to family members regarding legal matters or even psychological care. It ensures that the relatives of the deceased do not have to deal with too many procedures at such a delicate time as the loss of a loved one. Therefore, if your choice has been the Clínicum Death Insurance, here is what you must take into account to be able to take out the policy.

You must submit, either at one of their offices or online, the application for death insurance along with the health questionnaire that you need to complete and sign. Both documents are provided by Clínicum Insurance Spain. These two documents must be filled out carefully and truthfully, since the validity of your contract will depend on the accuracy of the information you provide. Do not lie or conceal information, and you will prevent your family from facing difficulties when you are no longer there to support them.

Generally, in the market there are several types of death insurance. The level-premium Clínicum Death Insurance, as well as the natural-premium and mixed-premium options, are designed for people between 18 and 70 years old who are in good health. This age limit can be extended up to 75 years when taking out a family or joint policy. For its part, the level-premium policy is specifically aimed at people over 70 years of age.

However, there are death insurance companies, such as Clínicum, that extend the age limit even further. In fact, some death insurance providers allow this type of policy to be taken out up to the age of 84.

What Documentation Do I Need to Take Out the Clínicum Death Insurance?

A death insurance policy allows the insured, with just a phone call, to manage everything related to a burial. This is something very difficult to handle in those painful moments that come with the death of an insured family member. Without this type of policy, the entire family group is financially affected. Therefore, by taking it out, you save both time and money, avoiding serious difficulties when a close family member passes away and, inevitably, the family must cover the burial costs.

In the insurance world, generally, when you want to take out a death insurance policy, certain documentation is required to formalize the process. Here we explain what you need and will help you if you are not sure what is required. It is worth noting that all death insurance companies will request the same information when you want to purchase a policy. Therefore, the necessary documentation to take out the Clínicum Death Insurance is as follows:

Not suffering from a serious illness before taking out the policy. Serious illnesses such as cancer are not covered by health policies, and therefore are not included when contracting the insurance.

Policyholder must be over 18 years old. To take out the policy, the main policyholder must be an adult. However, other members to be included can be of any age.

Full Name. In order to easily identify people when they are included in the policy, it is necessary to provide the full name of each insured person.

Copy of ID, Foreign Resident Card, or Passport of the policyholder. It is essential that whichever of these documents is submitted at the time of contracting is valid and not expired, otherwise it will not be accepted.

Bank account in Spain.

Dates of birth of all insured persons. Depending on the age of the people to be included, the price of the policy will be determined. Therefore, the dates of birth are essential.

Address. According to the province where you live, the policy will have a different price. Hence, the address is indispensable.

Complete the Health Questionnaire. This must be filled out as honestly as possible so it can be determined if there are any pre-existing conditions not covered by the policy.

What Factors Influence the Price of the Clínicum Death Insurance?

Death insurance policies usually offer a variety of rates, making it possible to choose the most suitable option. However, these quoted rates are more indicative than definitive, since when tailoring the ideal death insurance policy for each person, certain factors must be considered. This is because the insurance company needs to evaluate these factors to determine the level of risk and, therefore, calculate the premium. This approach is not unique to Clínicum, but applies to all death insurance providers.

For this reason, if you want to take out a death insurance policy, you must understand that not all policies have the same cost, since specific factors determine the price. In general, there are several elements that influence the price of Clínicum Death Insurance, and we can guide you through the entire process free of charge and with no obligation.

Coverage: The price of a death insurance policy also depends on the type of coverage included. Adding extra coverage will naturally increase the premium.

Date of Birth: Age, just like in health insurance, affects the price of death insurance. The older the insured person is, the higher the risk for the insurance company. There are also specific types of death insurance according to age. For example, for those over 65 years old, the single-premium death insurance plan from Clínicum is commonly chosen.

Place of Residence: The location where you live has an impact because burial and funeral expenses differ from one area to another. For instance, renting or purchasing a burial niche in Barcelona does not cost the same as in Madrid or other regions.

Repatriation: Costs will vary depending on the country you wish to be repatriated to and the distance involved. The farther the transfer, the higher the cost.

How Can I Cancel the Clínicum Death Insurance?

It is quite possible that, after several years of paying for your death insurance, you may find yourself needing to cancel it. This may be a difficult decision, but it can be motivated by several circumstances. Among them are experiencing a weak financial situation, a simple change of mind, or even dissatisfaction with the chosen insurance company. It is also possible that you may wish to cancel your policy because you have received a more attractive offer from a competing insurer. In short, there are many reasons why a death insurance policy might be canceled.

If you no longer wish to continue with a death insurance policy, there are various ways to cancel it. Canceling is not particularly complicated. In this case, the contract for the Clínicum Death Insurance is for 12 months. However, this is not unique to Clínicum— all death insurance providers in Spain follow the same rule, because Spanish burial insurance law states that in order to cancel the Clínicum Death Insurance, you must notify the company one month before the annual renewal date.

Example: If your death insurance policy with Clínicum (or any other provider) 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 the Clínicum Death Insurance?

The waiting period is the length of time that begins on the day the policy takes effect and ends on the day the insured person is entitled to certain coverage. From that moment, they can begin to enjoy the benefits of the death insurance they have taken out. In these cases, the waiting period applies to specific coverages, which cannot be accessed immediately after signing the contract. This time frame exists to protect the financial interests of the insurance company with which the policy has been arranged.

In the case of the waiting period for the Clínicum Death Insurance, it is the number of months that must pass from the date the policy is activated until the insured can begin using certain contracted coverages.

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 the Clínicum Death Insurance?

The main goal of people seeking to take out death insurance is to prevent their family from facing the costs associated with a burial. At the same time, it is intended to avoid the administrative bureaucracy involved in these procedures, which often includes many cumbersome steps. However, before taking out a death insurance policy, it is necessary to consider certain details, including the exclusions.

Anyone looking to take out death insurance should not only understand the coverages they are purchasing but also be aware of what is not included. This allows them to know exactly what the insurance covers and what it does not, ensuring there is no confusion when the time comes to use the policy.

For Clínicum Death Insurance, as with other providers, the typical exclusions include deaths caused by natural disasters, radioactive radiation, nuclear energy, acts of war, terrorist acts, or civil unrest.

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

As mentioned before, not all death insurance policies are the same. Therefore, before obtaining a death insurance policy, several key aspects must be considered that will determine whether the policy can be taken out, and which the insurance company needs to know. One of these parameters is whether the policyholder or any other insured members have serious illnesses.

In most cases, serious illnesses are considered potentially life-threatening, and it is not financially viable for a death insurance provider to insure someone with such a condition. Examples of serious illnesses include heart problems such as myocardial infarction, various types of cancer, and other diseases that are difficult to cure and often have fatal outcomes for the affected person.

Because of this, unfortunately, it is not possible to take out death insurance with a serious illness in Spain. Due to the high risk, Spanish law (Article 10 of Law 50/1980, October 8, on Death Insurance Contracts) states that the insurer is exempt from paying any compensation if false information is provided in the medical questionnaire regarding health, including omission of any pre-existing serious illness.

However, if a serious illness has been fully overcome without lasting consequences, it is possible to take out Clínicum Death Insurance. In such cases, the insurer may request medical exams or supporting documentation to verify that the applicant does not have any serious illness at the time of contracting the policy.

Insurance Death Clínicum Spain

Main Coverages of Insurance Death Clínicum Spain