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Insurance Death Generali Spain

Generali Death Insurance is established in Spain in the year 1834; being one of the main players in the Spanish insurance market. It has about 2,000 employees and one of the most complete sales networks in the country, with more than 1,600 service offices and 10,000 professionals. It focuses its management on providing clients with an excellent experience. Generali Death Insurance markets various types of death insurance. These policies offer various coverages in different situations, mostly based on the age and personal situation of the insured. Among the Generali death insurance policy types, the Family Protection Insurance stands out, which is a policy with basic coverages but also provides very attractive additional guarantees. This places Generali Death Insurance as one of the best in the market.

Generali Insurance Spain has at its core its fundamental purpose, inspiration, and reason. It has always directed its activities to improve people’s lives. Generali offers various innovative and personalized death insurance types, which facilitate decision-making and help build a safer tomorrow. Among them, it has an express online contractable death insurance. All have basic coverages and, in certain cases, the possibility of contracting additional guarantees to complement the proper protection of the insured.

This renowned death insurance company bases its commitment on the groups surrounding it, such as its clients, public administrations, employees, suppliers, companies, shareholders, and medical collectives. All this is based on corporate values such as Trust, Quality, and Dynamism. These values are integrated into the company’s management and assumed by the professionals forming this excellent insurance company. Moreover, Generali Insurance is a company that cares for its clients, being flexible in its costs for the clients’ peace of mind. It has a wide portfolio consisting of Generali Life, Generali Health, Generali Dental, Generali Home, Generali Death, Generali Autos, Generali Travel, and much more.

Why Contract the Generali Death Insurance?

The Generali Death Insurance offers flexible, comprehensive, and agile options that adapt to your needs, at the best price. Its best modality is called Family Protection. The other modalities are: Foreigners Protection, Golden Age Protection, and Single Protection.

The Generali Burial Insurance is more than a death policy, as it includes the best coverages, such as: family medical assistance service, wellness program, without worrying about expenses or procedures. Generali Insurance handles procedures related to the death and obtaining public widowhood or orphan pensions that must be granted by social security.

Generali Death Insurance has the Golden Age Protection Single Premium modality for the older members of the family. Therefore, if you are 70 years or older and have not yet contracted the Burial Insurance, now is the time. The optional guarantees offered by Generali Death Insurance are unbeatable and adapted to the needs and characteristics of each modality. They frequently include: death by accident, additional capital for burial; family assistance; repatriation; absolute and permanent disability by accident; and hospitalization due to illness or accident. These are great advantages, where with just a phone call, a group of experts will efficiently and quickly handle all procedures. It provides a comprehensive and high-quality service. The Generali Insurance Death services are provided by competent professionals.

Conditions to Contract the Generali Death Insurance Spain

The Generali Burial Insurance is designed to cover the funeral expenses of the insured. It is basically a service insurance whose main objective is to prevent all problems and procedures related to the funeral of the insured. Therefore, by properly selecting the Burial Insurance that covers all our funeral expenses, we avoid additional complications for our family in those moments of great sorrow. If you have thought about it and decided on the Generali Death Insurance, we will tell you what to consider to contract the Generali Death Insurance policy.

First, you must fill out a death insurance application form that will contain your basic information, as well as the health questionnaire provided by Generali Insurance Spain. It must be completed carefully and without lying.

Additionally, age plays an important role when applying for the insurance. If you are between 18 and 70 years old, you will not have major problems contracting a death insurance. You will have several options, among which the Generali Level Premium Death Insurance stands out. You can also choose the Natural Premium or Mixed Premium alternative.

Now, if you are over 70 years old, only one option is available, which is the Level Premium Insurance. However, in the market, there are death insurance companies such as Generali that offer to extend the age limit up to 80 years. Likewise, other death insurance companies extend it even further, reaching up to 84 years.

What documentation do I need to contract the Generali Death Insurance?

On several occasions, people do not know what to do when a family member dies because they do not have the necessary resources to face their burial. In this terrible situation, death insurances are highly beneficial products. Through them, and with just a phone call, the family of the deceased can complete all the necessary procedures to organize a burial using this type of policy. There is no doubt that contracting a death insurance is an important achievement, because without this valuable resource, managing a burial in those painful moments would be extremely complicated. In addition, it provides peace of mind and financial relief.

Furthermore, you should know that if you want to obtain a death insurance, all insurance companies require certain documents to be submitted before contracting. In this case, the necessary documentation to contract the Generali Death Insurance is as follows:

1. Not suffering from any serious illness before contracting. If you suffer from any serious illness, it will not be possible to obtain a death insurance. Therefore, having any serious pathology is not covered by insurance companies due to the risks involved.
2. Policyholder over 18 years old. As an essential requirement, you must be of legal age to complete the procedure and contract the death insurance policy. Regarding the other members to be insured, this requirement is not limiting. In other words, these people have no age restrictions to be included in a death insurance policy.
3. Full name. Providing clearly both the first and last name of the person contracting a death insurance, as well as the names of other members to be insured, is very relevant. This avoids obstacles and complications when that unfortunate moment occurs.
4. Copy of ID, NIE, or passport of the policyholder. Any of the above documents submitted for the death insurance procedure must be valid. This will guarantee the contracting, avoiding delays and setbacks when a death occurs.
5. Bank account in Spain.
6. Dates of birth of all insured members. The insurance company can calculate the premium of the policy without any complication when the dates of birth of each insured member are known, as age is determined this way. This is of vital importance.
7. Address. The place of residence or province where the insured lives determines the cost of the death insurance. Therefore, the residential address is very important to know for a death insurance.
8. Complete the health questionnaire. By completing a health questionnaire, it can be determined if the members to be included in the death insurance policy suffer from any chronic or pre-existing condition. Therefore, before contracting a death insurance, it is very important that people fill out this form.

What factors influence the price of the Generali Death Insurance?

When the death of a loved one occurs, insurance companies offer their clients excellent products, all according to their demands and requirements. Now, to achieve this, some elements must be taken into consideration that significantly influence the cost of the desired policy. By being clear about these elements, the insurance company will be able to assess the risks and thus calculate the premium of the required policy. This procedure is the same for all insurance companies, so it does not apply only to Generali. Therefore, the information we provide below is valid for all death insurance companies.

Next, we will explain which factors influence the price of the Generali Death Insurance, and we will help you throughout the process free of charge and without obligation.

1. Coverages: The price of the death insurance policy varies depending on 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. Dates of birth: Age, as in medical insurance, influences the price of the death insurance. The older the person, the greater the risk assumed by the insurance company. Additionally, there is a type of death insurance according to your age. For example, for those over 70 years old, the Generali Single Premium Death Insurance is usually contracted. This is a highly valuable product for these older individuals.
3. Place of residence: The place of residence influences the price because a burial and its associated expenses do not cost the same in all locations. Renting or buying a niche in Barcelona is not the same as in Madrid or another area. Therefore, depending on where you live, the price of the death insurance may vary.
4. Repatriation: It 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 the Generali Death Insurance?

It is very likely that some people, at any moment and for various reasons, may feel obliged to cancel their death insurance. Among these reasons for taking this unfortunate decision are poor attention or bad service from the contracted insurance company, which makes them seek to discontinue its services. Another reason could be the appearance of an attractive offer from a competing insurance company. Even, the person who contracted the policy may have a difficult financial situation that leads to this sad decision.

If any of these reasons occur, you should know that there are many ways to cancel it. In this painful decision, there should be no obstacle to canceling the insurance, as it is an extremely easy procedure to achieve. In these cases, the Generali Death Insurance contract is for 12 months, but this is not only applicable to Generali Death Insurance; all death insurance companies are the same because the Spanish Burial Insurance law indicates that to cancel the Generali Death Insurance, you must notify your company 1 month before the completion of the year of contracting. Example: if your Generali Death Insurance policy or another death insurance company policy ends on December 31, you must notify the insurance company of your decision not to renew before November 30.

What is the waiting period of the Generali Death Insurance?

With the purpose of protecting the financial interests of the insurance company offering a death insurance, the waiting period is established. In this case, waiting periods are simply those spans of time established from the day the death insurance becomes active until the day the insured policyholder has some type of guarantee. Therefore, at the end of this period, the client will be able to enjoy the coverages they have contracted.

Accordingly, the waiting period of the Generali Death Insurance can be defined as the span of time, measured in months from the activation or contracting date of the Generali Death Insurance policy, during which (x) time must pass before some of the contracted coverages of the insurance can start being 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 the Generali Death Insurance have?

In the event of a death, everyone wants some peace and relief in those painful moments. Therefore, if you contract a death insurance policy, those headaches caused by cumbersome procedures are avoided, which otherwise make those terrible moments even harder. But in addition, with a death insurance, the very high costs involved in organizing a burial are also avoided. Therefore, having this product is a great benefit for all clients.

Thus, before contracting a death insurance, it is essential to know that there are some elements that significantly influence the contracting of such insurance. Among these elements, which are always present in any type of contract, there is one important element known as exclusions. It is important to know these elements in order to clearly understand what a death insurance may not cover.

In this case, the coverages of Generali Death Insurance, like in other insurance companies, usually exclude: deaths caused by natural disasters, radioactive radiation, nuclear energy, acts of war, terrorist acts, or riots. Also excluded are those that do not give rise to any type of compensation according to the insurance contract law and those corresponding to deaths that occur before the payment of the first installment or premium.

Can I contract the Generali Death Insurance with a serious illness?

Knowing which elements can influence the contracting of a death insurance is essential. Therefore, among those factors that are present and that prevent the contracting of a death insurance are serious illnesses. In Spain, there are several pathologies considered serious, including cancer, chronic kidney failure, leukemia, tuberculosis, and many more. Therefore, if you suffer from any of them, it will not be possible to contract a death insurance in Spain.

Due to the high risk, according to the law, Article 10 of Law 50/1980, of October 8, regarding the death insurance contract in Spain, the insurance company will be exempt from paying any compensation in case false information is provided in the medical questionnaire about the insured’s health, thus omitting any preexisting serious illness. However, if the person who wishes to be insured suffers from any serious illness, it will be possible to contract the Generali Death Insurance only if the illness has been overcome without resulting in serious aftereffects. Nevertheless, you should know that this must be verified before signing the contract. For this, insurance companies require the policyholder to provide some documents that validate that no serious aftereffects exist as a consequence of any such illness.

Insurance Death Generali Spain

Main Coverages Insurance Death Generali Spain