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Insurance Death Purísima Spain

Purísima Death Insurance, from its founding to the present, focuses its activity on providing its members and their family groups with maximum peace of mind. It has more than five centuries of experience dedicated to offering a highly responsible service, which has made it a reference entity in the sector.

For this reason, almost 160,000 members have trusted us, and the confidence in Purísima Death Insurance translates into a continuous improvement of our services. Building on a long history that has brought great maturity to our work, Purísima now faces the challenge of updating its products to offer the best. With this, Purísima Death Insurance provides the most comprehensive coverage at a reasonable price, meeting the expectations of our members and driving a focus on excellent service quality.

Purísima Spain excels in customer service, complying with regulations and acting with integrity and discipline in its operations. Purísima Spain has a fully specialized portfolio in Death Insurance, where its excellent products stand out.

Why Choose Purísima Death Insurance?

Purísima Death Insurance offers a wide range of services so that you and your loved ones can have peace of mind, as we take care of the necessary procedures during these difficult times. It offers three options: standard death insurance, single-premium death insurance, and death insurance with repatriation for immigrants.

Purísima Funeral Insurance is more than a death policy, as it covers the provision of funeral services in the event of death. Additionally, its various options include: an efficient funeral service, the Purísima or San Francisco funeral casket or religious shroud, transfer from the place of death, preparation, transportation, legal procedures, document management, and fees. It also covers judicial procedures and the medical examination by a forensic pathologist, as well as other related expenses, including the fees of the forensic doctor.

Furthermore, Purísima Burial Insurance is very accessible, offering a semi-natural premium option—in simple terms, the price may increase if the costs of the guaranteed services rise. The initial cost of Death Insurance is calculated based on the age of each insured person at the time of contracting the policy and the cost of providing the service, as well as any agreed-upon future adjustments. This price remains fixed throughout the life of the contract.

Purísima Death Insurance, through its single-premium option, can be utilized by paying a one-time premium at the time of contracting the burial insurance, providing substantial benefits. Through the Purísima Death Insurance website, you can consult the option that best suits your needs. Purísima Death Insurance is a company with great prestige, strong financial stability, and excellent solvency. Definitely, Purísima Spain Insurance processes and executes its services in a secure, fast, and efficient manner.

Conditions for Contracting Purísima Death Insurance Spain

It is highly beneficial that Purísima Funeral Insurance covers the insured’s family for any expenses related to the cost of the burial. This is very valuable because, with this benefit provided by Purísima Burial Insurance, the family can focus solely on supporting each other during such difficult times. However, you should be aware that there are certain conditions when contracting any life insurance. Therefore, if you have chosen Purísima Death Insurance, we will outline the conditions you should consider when taking out the Purísima death policy.

First, you must provide your personal information to the insurer, which can be done by filling out the Purísima Death Insurance form. You will also need to complete a Purísima health questionnaire. Both documents are very important for Purísima. In these forms, you should detail not only your personal information but also your medical history, highlighting any current conditions that affect you.

You should also take your age into account. If you are between 18 and 60 years old, you have several options. You can contract a Purísima natural-premium death insurance.

If you plan to acquire a family insurance policy covering more than one person, the age limit extends to 70 years. In this case, you must demonstrate in the questionnaire that you are in good health. If, on the other hand, you are over 70 years old, you will have only one option, which is the single-premium insurance. However, there are some death insurance companies that extend the age limit up to 80 years. Similarly, there are other death insurers that allow coverage up to 84 years.

What Documentation Do I Need to Contract Purísima Death Insurance?

It is possible that, when facing the burial of a family member, the necessary resources may not be available, making everything more complicated. In such difficult situations, insurance companies provide an excellent solution by offering clients high-quality products for all kinds of needs. With just a phone call, you can organize a family member’s funeral with the support of the insurer and the insurance policy. Undoubtedly, this is very important because, without such a product, covering these significant expenses would be very difficult. Therefore, contracting a death insurance policy represents a substantial investment, saving both time and money.

It is important to know that insurers require certain documents when issuing a death insurance policy. The documentation required to contract Purísima Death Insurance is as follows:

1. Policyholder over 18 years old. Anyone wishing to obtain a death insurance policy must be of legal age, which is an essential requirement. For other insured individuals to be included, there is no age limitation.
2. Full name. It is necessary to provide both the first and last names of the person contracting the death insurance, as well as those of all additional insured individuals.
3. Copy of DNI, NIE, or passport of the policyholder. The document must be valid; expired documents cannot be accepted for processing the policy.
4. Bank account in Spain.
5. Dates of birth of all insured individuals. The date of birth is used to determine the age, which allows the insurer to calculate the premium without complications.
6. Address. Knowing the insured person’s place of residence enables the insurer to calculate the value of the death insurance.
7. Complete the health questionnaire. This allows the insurer to determine whether the policyholder or any additional insured members have chronic or pre-existing conditions. Filling out this form is therefore very important.
8. No serious illness prior to contracting the policy. Due to the risk involved, insurance companies generally do not cover serious illnesses. Therefore, if the applicant suffers from any severe condition, a death insurance policy cannot be contracted.

What Factors Influence the Price of Purísima Death Insurance?

When contracting a death insurance policy, you must take into account several factors that influence the price of the policy. In this case, the insurance company, knowing which of these elements may apply, evaluates the risks and then proceeds to calculate the insurance premium. This is a standardized procedure that applies to all insurers, not just Purísima. Therefore, the information provided below is equally valid for all death insurance companies.

Next, we will explain the factors that influence the price of Purísima Death Insurance, and we will guide you through the entire process free of charge and without obligation.

1. Date of Birth: Age, as in health insurance, affects the price of death insurance. The older the individual, the higher the risk assumed by the insurance company. Additionally, there are types of death insurance based on age. For example, for those over 65, the Purísima single-premium death insurance is usually contracted. This is a highly valuable product for older individuals.
2. Area of Residence: The area of residence affects the price because burial costs and associated expenses vary by location. Renting or purchasing a burial niche in Barcelona is not the same as in Madrid or another area. Therefore, depending on where you live, the cost of the death insurance policy may vary.
3. Repatriation: The country to which you wish to be repatriated—or its distance—can increase or decrease the price. Thus, repatriation is a decisive factor when calculating the policy cost.
4. Coverage: The price of the death insurance policy varies according to the coverages you choose, including additional coverages. By contracting extra coverages, you gain better benefits, but the policy will have a higher price.

How Can I Cancel Purísima Death Insurance?

There are many reasons why people may need to cancel their death insurance. Whatever the reason for making this decision, you should know that there are several ways to do so. In general, canceling a death insurance policy is a very simple procedure.

In these cases, the Purísima Death Insurance contract is for 12 months. However, this is not only applicable to Purísima Death Insurance; all death insurance companies follow the same rule because Spanish burial insurance law requires that to cancel a Purísima Death Insurance policy, you must notify Purísima one month before the end of the contract year.

For example, if your Purísima death policy—or a policy from another death insurance company—expires on December 31, you must inform the insurance company of your decision not to renew before November 30.

What is the waiting period for the Purísima funeral insurance?

Waiting periods were created with the clear purpose of protecting the financial interests of the insurance company that offers a funeral insurance policy. These are the time lapses established from the day the funeral insurance policy becomes active until the day the insured person can count on coverage or a guarantee. Once this period has ended, the insured can enjoy all the contracted coverages, including those that were restricted for that reason.

Accordingly, the waiting period for the Purísima funeral insurance can be defined as the length of time, counted in months from the date the Purísima funeral insurance policy is activated or contracted, during which it is necessary to wait before some of the contracted coverages can 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 the Purísima funeral insurance have?

To avoid the complex and costly procedures involved in organizing a burial, funeral insurance is taken out. However, before purchasing a funeral insurance policy, it is important to understand that several factors can prevent it from being contracted. Among them, one of the most important is what is known as exclusions.

Thus, the coverages of Purísima funeral insurance, like those of other insurers, generally 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, as well as deaths that occur before the payment of the first installment or premium.

Can I take out Purísima funeral insurance with a serious illness?

Among the factors that significantly influence the inability to take out funeral insurance are serious illnesses. In Spain, several serious diseases exist, including cancer, tuberculosis, leukemia, chronic kidney failure, and many others. Therefore, if you suffer from any of these conditions, it will not be possible to take out funeral insurance in Spain.

Due to the high risk, according to Article 10 of Law 50/1980 of October 8, on the insurance contract for death coverage in Spain, the insurer will be exempt from paying any compensation if false information is provided in the medical questionnaire regarding the policyholder’s health, omitting any pre-existing serious illness. However, if someone who wishes to take out Purísima funeral insurance has previously suffered from a serious illness, they may still be able to do so only if they have fully recovered from the illness without any serious aftereffects.

Nevertheless, their current condition must first be verified. In such cases, insurance companies require documentation proving that no aftereffects remain as a result of any serious illness previously suffered.

Insurance Death Purísima Spain

Main coverages of Insurance Death Purísima Spain