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Insurance Death Previsora General Spain

Previsora General Death Insurance is a mutual social association specializing in personal insurance. It has over 90 years of experience dedicated to mutualism and various aspects of the social economy related to insurance, with a strong focus on both life and non-life sectors. It works as an alternative to conventional insurance, putting the economy at the service of the community to create a more pleasant and united society. Previsora General Death Insurance is innovative in seeking solutions that provide benefits for its clients. It is guided by a set of values that distinguish it from other mutual associations: trust, closeness, commitment, vision, dynamism, communication, creativity, professionalism, experience, initiative, and flexibility. Today, Previsora General Death Insurance is considered one of the best in Spain.

The quality policy of Previsora General Seguros Spain establishes the following objectives:

• Provide health assistance services or insurance solutions efficiently, individually, and tailored to the characteristics of clients or user companies.
• Offer continuous advice to its members on applicable regulations and provide services that guarantee compliance.
• Increase the number of insured companies and individuals across all insurance types, whether personal, life, or collective agreements.
• Promote motivation for achieving quality among all staff.
• Maintain and foster personnel development policies and satisfaction in their work.

The insurance portfolio of Previsora General Spain includes coverage in:
Previsora General Life, Previsora General Home, Previsora General Death Insurance, Previsora General Health, Previsora General Auto, and many more.

Why Take Out the Previsora General Death Insurance?

By taking out a Previsora General Death Insurance, constant and individualized assistance is guaranteed during the stage in which you and your family need it.

The Previsora General Burial Insurance is more than a Death Policy, since with just one call we will take care of your needs so you can be worry-free in those difficult moments. Likewise, among its benefits is the Previsora General Death Insurance with Single Premium, ideal for older members of the family. Therefore, if you are under 65 years old and have not yet contracted burial insurance, it is never too late.

With Previsora General Death Insurance you will also have the PG Family Assistance Insurance, a policy of protection and comprehensive assistance in the event of death. It covers management and funeral expenses, national and international transfer, grief management, psychological assistance, succession advice and management, and travel assistance. Additionally, with Previsora General Death Insurance, you can contract optional guarantees such as: assistance to Spanish residents abroad, transportation and accompaniment of the deceased to Spain, assistance to foreign residents in Spain, transportation and accompaniment of the deceased to the insured’s country of origin, or death by accident. Permanent Disability due to Accident.

Likewise, Previsora General Seguros Spain presents a wide range of complementary services related to Daily Subsidy for Surgical Hospitalization in case of illness and accident, Reimbursement of Expenses for Surgical Intervention, also in cases of illness and accident..  

Conditions for Taking Out Previsora General Death Insurance Spain

Allow your family to have a bit of peace of mind in those sad and difficult moments to overcome. With a burial insurance, you guarantee the completion of all necessary services and procedures without having to worry about anything. If that is your goal, you just need to know what steps to take to acquire your individual or family burial insurance. Therefore, if you have chosen the Previsora General Death Insurance, below you will see what you should consider to contract the Previsora General death insurance policy.

First of all, complete the information in the death insurance application form and the health questionnaire provided by Previsora General Seguros Spain. Take your time and pay attention to details; do not hide information or lie in any aspect. The validity of the contract could be at risk if you do.

Your age is also important. Therefore, if your age is between 18 and 65 years and you are in good health, several options are available. You can choose a Previsora General level premium death insurance, a natural premium, or a mixed premium policy. That will be your choice. Likewise, there are death insurance companies that extend the age limit up to 80 years.

What documentation do I need to take out Previsora General Death Insurance?

Death insurance allows the insured, with a simple phone call, to have everything related to organizing a funeral for any of the insured members — something that is difficult to arrange during such hard times. In addition, this type of procedure usually affects the family both bureaucratically and financially. By contracting it, time and money are saved, avoiding headaches when a death occurs and it becomes necessary to take care of the funeral of a loved one.

In general, insurance companies request certain documentation when contracting a death insurance policy. Here we will explain and help you with everything needed, especially if you are not familiar with the requirements. Most death insurance companies request the same information when acquiring a policy. Therefore, the necessary documentation to contract Previsora General Death Insurance is:

1. Policyholder over 18 years old. The policyholder must be of legal age to contract the policy. There are no age restrictions for other members to be included in the policy.
2. Full Name. It is extremely important to have the full names of all persons included in the policy for proper identification when attended or located in the policy.
3. Copy of DNI, NIE, or Passport of the policyholder. These documents must be valid at the time of contracting the policy. Expired documents are not accepted under any circumstances.
4. Bank account in Spain.
5. Dates of birth of all insured persons. Knowing the dates of birth determines the policy price, as the total cost largely depends on the age of each insured person.
6. Address. This is an essential requirement since the price of the policy depends on the province of residence.
7. Complete the Health Questionnaire. This establishes whether the person contracting the death insurance has any chronic or pre-existing illness. It must be completed clearly and accurately.
8. No serious illness prior to contracting the policy. To contract a death insurance policy, the insured must not have any serious illness, as these are not covered under health policies.

What Factors Influence the Price of Previsora General Death Insurance?

Death insurance, like any other type of insurance, offers a series of rates and benefits that allow you to locate and contract the insurance that meets your needs. It is important to know that these rates, while indicative, are mostly guidelines when offering a policy for potential contracting. Generally, when searching for the ideal death insurance policy for each user, certain factors must be considered, as insurers use them to quantify risk and calculate the insurance premium. This is not exclusive to Previsora General; the following information applies to all death insurance companies.

Therefore, if you wish to contract a death insurance policy, it is important to understand that not all policies have the same price. Several elements determine the cost. There are various factors that influence the price of Previsora General Death Insurance, and we will guide you through the process Free and Without Obligation.

1. Date of Birth: Age, as in health insurance, influences the price of death insurance. The older the person, the greater the risk assumed by the insurance company. Additionally, there is a type of death insurance based on age. For example, for those over 65, the Previsora General Single Premium Death Insurance is usually contracted. This is an important product for people over 65.
2. Residence Area: The area of residence affects the cost because a burial and its associated expenses do not cost 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 death insurance price may vary, being higher or lower.
3. Repatriation: The cost 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 vital element when calculating the policy price.
4. Coverages: The price of the death insurance policy varies depending on the coverages you contract or if you add extra coverages. When contracting additional coverages, you will gain more benefits, but the death insurance policy will have a higher price.

How Can I Cancel Previsora General Death Insurance?

Sometimes, after paying for a death insurance policy for years, you may find yourself in the difficult situation of canceling it. Generally, this is a tough decision that can be motivated by various reasons: facing a financial hardship that prevents you from continuing to pay the premiums, an unexpected change of mind due to a major cause, or feeling dissatisfied with the insurance company. There may be other reasons as well, such as receiving a more attractive offer from a competitor. In short, there are several reasons why a death insurance policy may be canceled.

If you do not wish to continue with a death insurance policy, it is possible to cancel it very easily. This can usually be done in several ways. Therefore, canceling a death insurance policy is a much simpler process than one might think. In this case, the Previsora General Death Insurance contract is for 12 months, but this is not only applicable to Previsora General Death Insurance; all death insurance companies follow the same rule because the Spanish Burial Insurance Law states that to cancel Previsora General Death Insurance, you must notify your company 1 month before the policy completes one year. Example: If your Previsora General Death Insurance policy or another death insurance policy ends on December 31, you must communicate your decision not to renew to the insurance company before November 30.

What is the Waiting Period for Previsora General Death Insurance?

The waiting period is a determined span of time established from the day the policy becomes effective until the day the insured person can access a specific coverage. During this period, the insured can begin to enjoy the coverages of the contracted death insurance. In such cases, the waiting period affects certain coverages, which cannot be used immediately after signing the contract with the insurer. Generally, this is done to safeguard the financial interests of the insurance company with which the policy is contracted.

In the case of Previsora General Death Insurance, the waiting period is the time, measured in months, from the policy’s start or contracting date, during which some 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 Are the Exclusions of Previsora General Death Insurance?

The purpose of a person who chooses to contract a death insurance is to prevent their family from facing the costs associated with a death. Likewise, it also aims to avoid the administrative bureaucracy involved in these procedures, which are often very cumbersome. Before contracting a death insurance policy, it is important to consider certain details, among which are the exclusions of the policy.

Anyone who wants to contract a death insurance policy must know not only the coverages they are purchasing but also what is not included. This ensures there is no doubt at the time of contracting and clarifies how much the insurance covers and how much it does not. In the case of Previsora General death insurance, as with other insurers, exclusions generally include deaths caused by: natural catastrophes, radioactive radiation, nuclear energy, acts of war, terrorist acts, or civil disturbances. Exclusions also cover situations where no compensation is provided under the Insurance Contract Law and deaths that occur before the payment of the first installment or premium.

Can I Contract Previsora General Death Insurance with a Serious Illness?

Before contracting a death insurance policy, it is important to consider certain key factors that may allow or prevent the policy from being issued. One of these is whether the person and any other insured individuals have serious illnesses at the time of potential contracting. Such serious illnesses include any type of cancer, cardiac complications such as myocardial infarction, among others. These are pathologies that are difficult to cure and often have a fatal outcome for most affected individuals.

Because of this, it is unfortunately not possible to contract death insurance with a serious illness in Spain, due to the high risk it poses to insurance companies. According to Article 10 of Law 50/1980, of October 8, on Death Insurance Contracts in Spain, the insurer is exempt from paying any indemnity if false information is provided in the medical questionnaire regarding the insured’s health, omitting any pre-existing serious illness. However, if a serious illness has been overcome without severe sequelae, it will be possible to contract Previsora General Death Insurance. This must be verified prior to signing the contract.

Insurance Death Previsión General Spain

Main Coverages of Insurance Death Previsión General Spain