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Insurance Death Sanitas Spain

Sanitas Decesos was established in 1954 and has since experienced continuous and progressive growth. Today it leads the insurance market in Spain in matters of Death. Sanitas Seguros Decesos offers solutions suitable to the requirements of people in those difficult moments of their lives. Since 1989 it has been part of Bupa, a company that leads the international market. It provides service to 33,100 clients in senior residences, more than 16.5 million in health insurance, and 10.6 million in medical provision. One of the characteristics of the group is that it has no associates. This allows capitalizing profits in the business itself to optimize the services they offer to their clients.

The purpose of Sanitas Seguros Decesos is to assist people so that, in those moments of great pain, they have the most suitable solutions. To achieve this, they are supported by a series of values deeply rooted in their organizational culture. Values that inspire the daily life of their workers, guide them to offer the client an unparalleled experience, and define their relationship with the community. Passionate: they value their clients. Understanding: they care for everyone and look after everyone. Open: they aspire to diversity. Authentic: they say what they think and think what they say. Responsible: they make projects a reality. Brave: they have the courage to face the truth. Extraordinary: they provide exceptional results, large and small. Sustainability: they promote health and well-being, social inclusion, growth oriented toward quality work, the fight against climate change, and the sustainability of cities and communities.

The portfolio of Sanitas Insurance Spain includes Sanitas Health, Sanitas Funeral Insurance, Sanitas Dental, Sanitas Travel, and much more.

Why Hire Sanitas Death Insurance?

By hiring Sanitas Death Insurance, you can have the peace of mind that both you and your family wish to have. Sanitas Decesos offers you the most complete death policies that best suit your family. They are guaranteed by the track record of a specialized company: Santalucía.

The Sanitas Burial Insurance is more than a Death Policy because, in addition to being able to cover your family group, it includes a wide range of services. It offers two modalities: Family Assistance iPlus and Senior Assistance with Single Premium.

Family Assistance iPlus: offers not only death coverage but also optional guarantees that you can choose at your convenience. With Sanitas Decesos coverage, everything is taken care of so that in the hardest circumstances the family has all the necessary support. It provides effective coverage anywhere in the world where the death occurs. With this plan, you can choose from this wide range of optional coverages, including repatriation of both foreign residents in Spain and Spaniards abroad.

Senior Assistance with Single Premium is aimed at meeting the needs of those over 65 years old who do not have death insurance. If you are over 65 and have not been able to obtain a death insurance previously, this is the opportunity. It has the advantage of a single payment and no further charges. It is characterized by providing complete management of the death service. It includes the transfer of the deceased and their companions as well as the processing of the necessary documents. Covered services are available 24 hours a day, 365 days a year. With just one call, Sanitas Death Insurance can carry out all necessary procedures. It is an individual single-payment insurance. Additional payments may arise if there are increases in the price of the death service guaranteed in the policy. Effective coverage anywhere in the world where the death occurs.

Conditions for Hiring Sanitas Death Insurance Spain

Hiring death insurance is not easy at all. Just thinking about death is unpleasant, as no one would like to know they are going to die, and that they must start thinking about their wake and that they must not miss their burial. Unfortunately, it can happen at any moment. This is why, by securing a good death insurance that covers funeral expenses, your family avoids a large number of complications. This is because they will have the financial resources to cover the funeral expenses of a death. However, there are some things to consider to hire the most suitable death insurance at a good price. Sanitas Decesos offers products so that you and your family have all the necessary support in the face of any difficulty. But surely you are wondering: What should I do, then, to hire a death insurance? Here we will inform you.

If you have already chosen Sanitas Death Insurance, go to one of their offices or visit their website. You will need to fill out a Death Insurance Application Form that requires personal information about you and your family group, if applicable. You may also have to complete a health questionnaire from Sanitas Decesos Spain, and in some cases, a medical examination may be required.

If you are going to hire an Individual Sanitas Death Insurance, you must be between 18 and 65 years old. But if you are going to hire a family policy, the age limit extends to 65 years. People over 65 can only hire a Sanitas Single Premium Death Policy.

What documentation do I need to hire Sanitas Death Insurance?

It is possible that, when facing the burial of a relative, you do not have the necessary means, and therefore everything becomes complicated. In this terrible situation, insurance companies prove to be a great solution, as they provide clients with excellent products for all types of needs. With just a phone call, the burial of a relative can be organized, with the support of the insurance company and the policy. Without a doubt, this is very important, since without this excellent product it would be very difficult to face such high expenses. Therefore, by hiring a death insurance policy, we make a great investment, achieving savings in both time and money.

For this, it is important to know that insurance companies require some supporting documents at the time of obtaining a death insurance policy. In this case, the documentation required to hire Sanitas Death Insurance would be as follows:

1. Policyholder over 18 years old. Every person who needs to obtain a death insurance policy must be of legal age, as this is an indispensable requirement. On the other hand, for the other insured persons to be included, this is not a limitation.
2. Full name. It is necessary to provide both the first name and last name of the person wishing to hire the death insurance. Similarly, the rest of the insured members must do the same.
3. Copy of DNI, NIE, or passport of the policyholder. The documents provided for processing a death insurance policy must be valid. Therefore, if these are expired, they will not be accepted.
4. Bank account in Spain.
5. Dates of birth of all insured persons. During the process of hiring a death insurance policy, age can be determined through the date of birth. This allows the insurance company to calculate the premium of the policy without problems.
6. Address. By knowing the insured person’s place of residence, insurance companies can calculate the value of the death insurance.
7. Fill out the health questionnaire. It allows the insurer to know if the policyholder or any other members to be added have any chronic or pre-existing illnesses, simply by completing the health questionnaire. Therefore, it is important to complete this form.
8. Not suffering from any serious illness prior to hiring. Due to the risk involved, insurance companies usually do not cover serious illnesses. Therefore, if you suffer from any serious illness, it will not be possible to hire a death insurance policy.

What factors influence the price of Sanitas Death Insurance?

In order to hire a death insurance policy, you must take into consideration many factors that influence the price of the death insurance to be contracted. In this case, the insurance company, knowing which of these elements may exist, evaluates the risks and then proceeds to calculate the insurance premium. This is a standardized procedure, as it is the same for all insurance companies, meaning it does not only apply to Sanitas. Therefore, the information we will provide below applies equally to all death insurance providers.

Next, we will tell you which factors influence the price of Sanitas Death Insurance, so we will assist you throughout the process for free and without obligation.

1. Dates of birth: Age, as in health insurance, influences the price of death insurance. The older the age, the higher the risk assumed by the insurance company. Additionally, there is a type of death insurance according to your age. For example, for those over 65 years old, the Sanitas Single Premium Death Insurance is usually contracted. This is a highly valuable product for these older individuals.
2. Area of residence: The area of residence matters because a burial and its associated costs 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 reside, the price of the death insurance may vary.
3. Repatriation: This depends on the country to which you want to be repatriated or how far it is, which can increase or decrease the price. Therefore, repatriation is a decisive factor when calculating the price of the policy.
4. 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 benefits, but the policy will have a higher price.

How can I cancel Sanitas Death Insurance?

There are many reasons why people find themselves needing to cancel their death insurance. Now, whatever the reason that leads you to make the decision to cancel a death insurance policy, you should know that there are several ways to do it. In general, canceling a death insurance policy is a very simple procedure.

In these cases, the Sanitas death insurance contract is for 12 months, but this is not only applicable to Sanitas Decesos; all death insurance companies are the same because Spanish burial insurance law indicates that to cancel Sanitas Death Insurance, you must notify Sanitas one month before the completion of the year of contracting your policy. Example: if your Sanitas death insurance policy or that of another death insurance company ends on December 31, you must inform the insurance company of your decision not to renew before November 30.

What is the waiting period for Sanitas Death Insurance?

Waiting periods were created with the firm purpose of protecting the economic interests of the insurance company offering a death insurance policy. These are the periods of time established from the day the death insurance policy begins until the day the insured person can count on a guarantee or coverage. Once this period is completed, the insured can enjoy the full range of contracted coverages, including those that were restricted during this time.

Accordingly, the waiting period for Sanitas Death Insurance can be defined as the period of time, measured in months from the date of enrollment or contracting of the Sanitas death insurance policy, during which (x) time must pass before some of the contracted coverages of the insurance can begin to 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 Sanitas Death Insurance have?

A death insurance policy is contracted to avoid the complex procedures and high costs involved in organizing a burial. However, before hiring a death insurance policy, it is important to know that there are several elements that may prevent coverage. Among these, one of great importance is what are called exclusions.

Thus, the guarantees of Sanitas death insurance, as with other insurance companies, usually 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 insurance contract law, and deaths that occur before the payment of the first installment or premium.

Can I hire Sanitas Death Insurance with a serious illness?

Among the elements that significantly affect the ability to hire a death insurance policy are serious illnesses. In Spain, there are several serious illnesses, including cancer, tuberculosis, leukemia, chronic kidney failure, and many others. Therefore, if you suffer from any of these, it will not be possible for you to hire a death insurance policy in Spain.

Due to the high risk, according to Law 50/1980, of October 8, on the insurance contract for death in Spain, the insurance company will be exempt from paying any compensation if false information is provided in the medical questionnaire regarding the insured’s health, thereby omitting any pre-existing serious illness. However, in the case of any person who wishes to hire a death insurance policy and has previously had a serious illness, it will be possible to hire Sanitas Death Insurance only if the illness has been fully overcome and no serious aftereffects remain. For this, the current condition must be verified in advance. In such cases, insurance companies require supporting documents proving the absence of any sequelae resulting from any serious illness previously suffered.

Insurance Death Sanitas Spain

Main Coverages of Insurance Death Sanitas Spain