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Insurance Death NorteHispana Spain

The experience of NorteHispana Death Insurance dates back to 1966, as it was created primarily to offer death insurance. Through its mission as an insurer, it has become one of the companies with the greatest leadership in this field. The company, always expanding, soon consolidated itself by offering products designed to protect families, such as life insurance, home insurance, savings, and accident insurance. Since 2001, it has been part of the Catalana Occidente Group, one of the most prestigious and experienced insurance groups in Spain and worldwide. From that moment, NorteHispana Death Insurance has achieved one of the highest solvency ratings in the insurance sector. NorteHispana Death Insurance, with its competitive policies and services, as well as individualized customer service, distinguishes itself from other insurers.

NorteHispana Death possesses a wide network of experienced and professional collaborators who strengthen its purpose of security and responsibility toward its policyholders. More than 100 offices and around 2,500 specialized agents provide excellent service. A customer service team operates 24 hours a day to satisfy and address any request from policyholders. Over 1,000,000 clients trust it when subscribing to their insurance contracts. Its goal is to provide individualized insurance tailored to clients’ needs. This requires continuous study of the most beneficial and in-demand services among its policyholders to implement an excellent personalized insurance option. Its mission is to offer excellent individualized insurance with the largest coverages. Guarantees, security, and peace of mind are key words for NorteHispana Insurance. Connections, people, you, and your family are also key.

NorteHispana Spain has an extensive product line, including: NorteHispana Life, NorteHispana Home, NorteHispana Death, NorteHispana Savings, and much more.

Why Choose NorteHispana Death Insurance?

NorteHispana Death Insurance takes care of the emotional and material needs of your family when you are no longer there. It offers coverages that can be used during your lifetime, such as telephone medical guidance or access to private medicine with discounts, among others. It covers the costs and procedures arising from your death. They have over 2,500 organized agents to attend to your needs and questions in the way that best suits you. It provides discounts on private medicine and includes pet insurance, among other benefits. NorteHispana Burial Insurance is more than just a Death Policy because its priority is to ensure your family’s peace of mind and comfort during the most difficult moments. It handles all procedures related to death: death certificate, widow’s pension, and others.

NorteHispana offers four types of death insurance that adapt to the needs of all profiles:

NorteHispana Family Death Insurance: A comprehensive protection that provides peace of mind to your family. It is a complete service that, in addition to funeral services, includes guarantees such as a second medical opinion, home assistance, and pet coverage.

NorteHispana Universal Death Insurance: Includes the most essential coverages every death insurance should have. In addition to funeral services, you can benefit from private medical discounts and telephone medical and legal guidance, among other services.

NorteHispana Repatriation Death Insurance: Insurance designed for foreign residents in Spain with extensive coverages.

NorteHispana Single Premium Death Insurance: Designed for individuals under 70 years old. Therefore, if you are under 70 and do not yet have burial insurance, this is the ideal time to get it.

In general, its benefits include:

Casket, flower wreath, funeral home room, administrative costs, accompaniment vehicle, funeral carriage, memorial cards, health and civil permits, and burial or cremation process.

Additionally, NorteHispana Burial Insurance allows you to draft your hereditary, vital, and solidarity will conveniently from home. With the help of a lawyer, you can resolve all these matters. Likewise, NorteHispana Death Insurance handles the deletion of your digital footprint. As an innovative feature, NorteHispana Insurance Spain also offers an annual veterinary visit for your pet.

Conditions for Contracting NorteHispana Death Insurance Spain

Deciding to purchase Burial Insurance is often more difficult and uncomfortable than actually doing it. By carefully selecting a burial insurance policy that can cover the costs of our death, we can prevent many problems for our family during those moments of intense grief.

Therefore, if you have decided to contract NorteHispana Death Insurance, the process will be simple, especially if you follow a few easy steps and observe the required conditions. To contract the NorteHispana Death Policy, you must first fill out the death insurance application and the health questionnaire provided by NorteHispana Insurance Spain. It must be completed with great care and truthful information to avoid problems when you need to use the service. Take the time necessary to ensure nothing is omitted.

For individuals between 18 and 70 years of age, there are several premium options available in the market. If you fall within this range and have good health, you can select one of these options. Mixed premium death insurance, NorteHispana level premium death insurance, or natural premium are the available choices.

However, there are death insurance providers such as NorteHispana that extend the age limit up to 70 years. Additionally, there are other death insurance providers that accept applicants up to 84 years of age.

What Documentation Do I Need to Contract NorteHispana Death Insurance?

To organize everything related to a burial with just a simple phone call, death insurance makes this process easier for the client. This is essential in those terrible and painful moments, such as the death of any insured family member. It is undoubtedly very valuable, as organizing a burial independently without the support of death insurance is complicated. When a death insurance policy is not in place, the family is affected both bureaucratically and financially. By contracting a death insurance policy, this much-needed peace of mind is provided during such difficult moments, achieving substantial savings in both time and money.

However, when you wish to contract death insurance, insurance companies generally require certain documents. Here, we indicate which documents are necessary to make it possible. In general, all death insurance companies request the same information when acquiring a death insurance policy. The documentation required to contract NorteHispana Death Insurance is as follows:

1. No serious illness before contracting. If you wish to contract a policy and do not have serious illnesses, you are guaranteed to be eligible. However, if you suffer from a serious illness, it is not possible to contract the policy, as these conditions are not covered under death insurance policies.
2. Policyholder over 18 years old. It is essential for the person contracting death insurance to be of legal age. However, regarding other members included in the policy, there is no age restriction—they may be of any age.
3. Full name. If the data of the people included in the contract is clear, identification is easy. This allows them to be quickly and simply located in the policy, enabling the burial process to proceed without delays or obstacles.
4. Copy of DNI, NIE, or passport of the policyholder. These documents must be valid. Therefore, any documents required for contracting a death insurance policy cannot be expired.
5. Bank account in Spain.
6. Birthdates of all insured individuals. One essential factor to consider when contracting death insurance is age, as the age of each insured person determines the calculation of the policy cost. Therefore, knowing the birthdates of each member included in the policy is crucial.
7. Address. The policy cost is calculated based on the province where the insured resides, making the address a vital element when contracting death insurance.
8. Complete the health questionnaire. When contracting death insurance, the health questionnaire must be completed honestly and completely. This helps determine if any insured members have preexisting or chronic illnesses.

What Factors Influence the Price of NorteHispana Death Insurance?

A death insurance policy is a versatile product that offers a range of coverages with various prices attractive to all clients. This allows policyholders to choose and contract the most suitable insurance. However, these rates are only indicative and serve to guide the client when the insurance company offers a death insurance policy. Therefore, when designing a death insurance policy for each client, insurers must consider certain parameters that significantly influence the cost of the policy. This allows the insurer to assess the risk and calculate the premium for the selected insurance. It is important to note that this process does not only apply to NorteHispana; the information provided here applies to all death insurance companies.

Because of this, when acquiring a death insurance policy, it is important to understand that not all policies have the same cost. As mentioned, there are many factors that significantly affect the insurance price. Below are the factors that influence the price of NorteHispana Death Insurance, and we will help guide you through the process free of charge and without obligation.

1. Coverages: The price of the death insurance policy varies according to the coverages you select or if you choose additional coverages. When contracting extra coverages, you gain better benefits, but the policy price will be higher.
2. Birthdates / Age: Just like in medical insurance, age affects the price of death insurance. The older the insured, the higher the risk assumed by the insurance company. Additionally, there is a type of death insurance according to your age. For example, people over 65 usually contract the NorteHispana single-premium death insurance, which is a valuable product for older individuals.
3. Place of Residence: The place of residence affects the price because a burial and its associated costs are not the same everywhere. 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 policy may vary.
4. Repatriation: This depends on the country to which you want to be repatriated and how far it is, which can increase or decrease the price. Therefore, repatriation is a decisive factor when calculating the policy cost.

How Can I Cancel NorteHispana Death Insurance?

People who have a death insurance policy, on various occasions and for many reasons, after paying for these services for a considerable time, may find themselves in the unfortunate need to cancel it. This is often a very difficult decision to make.

Among the reasons for making this difficult decision are situations where the insured person faces financial difficulties that make continuing the insurance impossible. It is also possible that there is dissatisfaction with the insurance company regarding the services provided. Additionally, some may wish to cancel the policy because they have received a better offer from a competing insurer.

Regardless of the reason, it is important to know that if you wish to cancel a death insurance policy, there are several ways to do so. Therefore, canceling a death insurance policy is a relatively simple process without complications. In this case, the NorteHispana death insurance contract lasts 12 months, but this applies not only to NorteHispana but to all death insurance companies, because Spanish burial insurance law requires notifying the insurer one month before the policy anniversary to cancel the policy.

Example: If your NorteHispana death insurance policy or any other death insurance policy ends on December 31, you must notify the insurance company of your decision not to renew it before November 30.

What Is the Waiting Period for NorteHispana Death Insurance?

In a death insurance policy, the waiting period is the span of time established from the day the policy begins until the day the insured person gains access to a specific coverage. From that moment onward, the insured can start enjoying the benefits of the death insurance coverage that has been contracted. In this case, the waiting period affects many coverages, meaning they cannot be used immediately after the policy becomes active. This is done to protect the financial interests of the insurance company with which the contract is signed.

The waiting period for NorteHispana death insurance can be defined as the number of months from the policy’s start or subscription date until some of the contracted coverages can be used. If you fill out the form above, we will advise you on the best option for your specific situation and answer all your questions.

What Are the Exclusions in NorteHispana Death Insurance?

When obtaining a death insurance policy, the goal is to prevent our family from facing the high costs involved in organizing a burial. Additionally, it seeks to avoid all the bureaucratic and complex procedures that such a process entails. Therefore, before subscribing to a death insurance policy, it is wise to consider certain details that significantly influence the contracting process. Among these, exclusions in death insurance are perhaps one of the most important, alongside the inclusions.

Thus, anyone who wants to contract a death insurance policy should consider, in addition to the coverages they wish to include, which elements cannot be included in the policy. Once this point is clarified, there should be no doubt in obtaining a death insurance policy. In the case of NorteHispana death insurance, as with other insurers, deaths caused by natural disasters, radioactive radiation, nuclear energy, acts of war, terrorist acts, or civil disturbances are typically excluded. Also excluded are cases that do not qualify for any indemnity under insurance contract law and deaths that occur before the payment of the first premium.

Can I Contract NorteHispana Death Insurance with a Serious Illness?

Before subscribing to a death insurance policy, it is essential to know which factors allow or prevent contracting the policy. Therefore, it is important to know if the persons to be insured may have serious illnesses. This is necessary because suffering from such a condition is very delicate and, in most cases, difficult to cure. Examples of serious illnesses include any type of cancer, heart attacks, and any coronary conditions, among many others.

In this situation, unfortunately, it is not possible to contract a death insurance policy in Spain if the person has a serious illness. Due to the high risk, under Article 10 of Law 50/1980 of October 8 regarding death insurance contracts in Spain, the insurer is exempt from paying any indemnity if false information is provided on the medical questionnaire, omitting any pre-existing serious illness.

However, if you have had a serious illness, it is possible to contract NorteHispana Death Insurance only if you have fully recovered without severe aftereffects. This must be verified in advance. In such cases, the insurance company may request certain documents or requirements to certify that you no longer have that condition.

NorteHispana Death Insurance Spain

Coberturas principales Seguro de Decesos NorteHispana España