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Avios

REQUIREMENTS

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FAQs

CONTRATA TU SEGURO ONLINE

MULTIPLICA TUS AVIOS
X2 EN BLACK FRIDAY

Podrás obtener 10.000 Avios.

Promoción válida del 23/11 al 04/12, para contrataciones a través del canal digital (web o App) de Banco Santander, clientes con cuenta Santander One abierta y adheridos al Plan Santander One Iberia Plus en cualquiera de sus modalidades, en la fecha de la liquidación de los Avios de la Promoción. Consulta las condiciones de la “CAMPAÑA DIGITAL SEGUROS BLACK FRIDAY” en www.bancosantander.es.

BENEFITS OF SANTANDER ONE

Enjoy promotions for Santander One customers registered for the Santander One Iberia Plus Plan.

TAKE OUT INSURANCE ONLINE


Conditions for taking out the policies

Depending on the age of the insured and the capital to be insured, you must fill out a simple medical questionnaire and, if necessary, we will carry out a medical questionnaire by phone or a medical examination.

Minimum age when taking out the policy

Maximum age when taking out the policy

Protección familiar Plus

18 years

64 years

Protección familiar en femenino

18 years

64 years

Periodic premium mortgage loan protection

18 years

64 years

Single premium mortgage loan protection

18 years

64 years

Single premium consumer loan protection

18 years

64 years

Periodic premium mortgage loan protection (death and disability)

18 years

64 years

How to arrange cover

Visit your nearest branch if you want to take out any of these Life Insurance policies.

Find out more

Calculate your insurance yourself if you are a customer or leave us your details and we will contact you.

INSURANCE CALCULATOR

WE WILL CALL YOU

What do they protect me against?

Protección Familiar Plus and Protección Familiar en Femenino

Cover

Family Plus Protection

Family Protection for Women

Death

Absolute Permanent Disability

Serious Disability

x

Female cancer1

x

Additional capital for accidental death

(Optional)

x

Additional family protection services


  • Death.In the event of death from any cause, the beneficiaries will collect the amount contracted in the policy.
  • Accidental death.In addition to the capital for death covered as the main risk, the capital provided for by accident will be added.
  • Accidental Death due to road traffic accident. Both the capital for accidental death and the capital for accidental death due to road traffic accident will be added to the capital for death covered as the main risk.
  • Permanent Absolute Disability.An irreversible physical situation, which disables you completely and permanently for the performance of any profession or trade, employment relationship or commercial activity. It must be officially recognised by Social Security or other equivalent body.
  • Severe Disability. Understood as a situation of disability which, as a result of anatomical or functional losses and also implies the need for assistance from another person to perform the most basic day to day actions, such as dressing, moving, eating or similar. It must be officially recognised by Social Security or other equivalent body.
  • Temporary disability.This covers any physical situation, whatever the cause, which results in the insured's inability to perform any job or professional activity during a certain period.
  • Cancer in women.In case of the diagnosis¹ of a cancer suffered by women, the beneficiary will receive the insured capital. It covers both the cancer and carcinoma in situ (cancer in the early stages of detection, encapsulated and not yet spread) originating from any of the following organs or tissues: uterine cervix or neck of the cervix, uterine body or uterus, ovaries, fallopian tubes , vagina, vulva or breast, also including placenta carcinoma. The payment of this capital will mean the cancellation of the guarantee for cancer suffered by women.
  • Additional services.The Protección Familiar Plus and Protección Familiar en Femenino policies have additional services such as medical guidance, nutrition and dietary advice and healthy habits testing.

Loan Protection Life Insurance Protection

In the case of loan protection insurance, the beneficiary is the bank and the insured capital depends on the loan capital pending amortisation.

Cover

Mortgage
Loan
Protection
Periodic
Premium

Mortgage
Loan
Protection
Periodic
Premium
(Death and
Disability)

Mortgage
Loan
Protection
Single
Premium

Consumer
Loan
Protection Single 
Premium
Death

Absolute/Permanent Disability.

Temporary disability

x

x

Unemployment

x

x

  • Death. In the event of death from any cause, the beneficiary will charge the amount indicated in the policy, depending on the capital pending amortization of the loan..
  • Permanent Absolute Disability. An irreversible physical situation, which disables you completely and permanently for the performance of any profession or trade, employment relationship or commercial activity. It must be officially recognised by Social Security or other equivalent body.
  • Temporary disability.This covers any physical situation, whatever the cause, which results in the insured's inability to perform any job or professional activity during a certain period.
  • Unemployment.In the case of unemployment of the policyholder (the person taking out the insurance), the insurance covers the payment of the loan instalments, according to the conditions established in the policy.

Find out more

Calculate your insurance yourself if you are a customer or leave us your details and we will contact you.

INSURANCE CALCULATOR

WE WILL CALL YOU

What do they protect me against?

Protección Familiar Plus and Protección Familiar en Femenino

Cover

Family Plus Protection

Family Protection for Women

Death

Absolute Permanent Disability

Serious Disability

x

Female cancer1

x

Additional capital for accidental death

(Optional)

x

Additional family protection services


  • Death.In the event of death from any cause, the beneficiaries will collect the amount contracted in the policy.
  • Accidental death.In addition to the capital for death covered as the main risk, the capital provided for by accident will be added.
  • Accidental Death due to road traffic accident. Both the capital for accidental death and the capital for accidental death due to road traffic accident will be added to the capital for death covered as the main risk.
  • Permanent Absolute Disability.An irreversible physical situation, which disables you completely and permanently for the performance of any profession or trade, employment relationship or commercial activity. It must be officially recognised by Social Security or other equivalent body.
  • Severe Disability. Understood as a situation of disability which, as a result of anatomical or functional losses and also implies the need for assistance from another person to perform the most basic day to day actions, such as dressing, moving, eating or similar. It must be officially recognised by Social Security or other equivalent body.
  • Temporary disability.This covers any physical situation, whatever the cause, which results in the insured's inability to perform any job or professional activity during a certain period.
  • Cancer in women.In case of the diagnosis¹ of a cancer suffered by women, the beneficiary will receive the insured capital. It covers both the cancer and carcinoma in situ (cancer in the early stages of detection, encapsulated and not yet spread) originating from any of the following organs or tissues: uterine cervix or neck of the cervix, uterine body or uterus, ovaries, fallopian tubes , vagina, vulva or breast, also including placenta carcinoma. The payment of this capital will mean the cancellation of the guarantee for cancer suffered by women.
  • Additional services.The Protección Familiar Plus and Protección Familiar en Femenino policies have additional services such as medical guidance, nutrition and dietary advice and healthy habits testing.

Loan Protection Life Insurance Protection

In the case of loan protection insurance, the beneficiary is the bank and the insured capital depends on the loan capital pending amortisation.

Cover

Mortgage
Loan
Protection
Periodic
Premium

Mortgage
Loan
Protection
Periodic
Premium
(Death and
Disability)

Mortgage
Loan
Protection
Single
Premium

Consumer
Loan
Protection Single 
Premium
Death

Absolute/Permanent Disability.

Temporary disability

x

x

Unemployment

x

x

  • Death. In the event of death from any cause, the beneficiary will charge the amount indicated in the policy, depending on the capital pending amortization of the loan..
  • Permanent Absolute Disability. An irreversible physical situation, which disables you completely and permanently for the performance of any profession or trade, employment relationship or commercial activity. It must be officially recognised by Social Security or other equivalent body.
  • Temporary disability.This covers any physical situation, whatever the cause, which results in the insured's inability to perform any job or professional activity during a certain period.
  • Unemployment.In the case of unemployment of the policyholder (the person taking out the insurance), the insurance covers the payment of the loan instalments, according to the conditions established in the policy.

Find out more

Calculate your insurance yourself if you are a customer or leave us your details and we will contact you.

INSURANCE CALCULATOR

WE WILL CALL YOU

What do they protect me against?

Protección Familiar Plus and Protección Familiar en Femenino

Cover

Family Plus Protection

Family Protection for Women

Death

Absolute Permanent Disability

Serious Disability

x

Female cancer1

x

Additional capital for accidental death

(Optional)

x

Additional family protection services


  • Death.In the event of death from any cause, the beneficiaries will collect the amount contracted in the policy.
  • Accidental death.In addition to the capital for death covered as the main risk, the capital provided for by accident will be added.
  • Accidental Death due to road traffic accident. Both the capital for accidental death and the capital for accidental death due to road traffic accident will be added to the capital for death covered as the main risk.
  • Permanent Absolute Disability.An irreversible physical situation, which disables you completely and permanently for the performance of any profession or trade, employment relationship or commercial activity. It must be officially recognised by Social Security or other equivalent body.
  • Severe Disability. Understood as a situation of disability which, as a result of anatomical or functional losses and also implies the need for assistance from another person to perform the most basic day to day actions, such as dressing, moving, eating or similar. It must be officially recognised by Social Security or other equivalent body.
  • Temporary disability.This covers any physical situation, whatever the cause, which results in the insured's inability to perform any job or professional activity during a certain period.
  • Cancer in women.In case of the diagnosis¹ of a cancer suffered by women, the beneficiary will receive the insured capital. It covers both the cancer and carcinoma in situ (cancer in the early stages of detection, encapsulated and not yet spread) originating from any of the following organs or tissues: uterine cervix or neck of the cervix, uterine body or uterus, ovaries, fallopian tubes , vagina, vulva or breast, also including placenta carcinoma. The payment of this capital will mean the cancellation of the guarantee for cancer suffered by women.
  • Additional services.The Protección Familiar Plus and Protección Familiar en Femenino policies have additional services such as medical guidance, nutrition and dietary advice and healthy habits testing.

Loan Protection Life Insurance Protection

In the case of loan protection insurance, the beneficiary is the bank and the insured capital depends on the loan capital pending amortisation.

Cover

Mortgage
Loan
Protection
Periodic
Premium

Mortgage
Loan
Protection
Periodic
Premium
(Death and
Disability)

Mortgage
Loan
Protection
Single
Premium

Consumer
Loan
Protection Single 
Premium
Death

Absolute/Permanent Disability.

Temporary disability

x

x

Unemployment

x

x

  • Death. In the event of death from any cause, the beneficiary will charge the amount indicated in the policy, depending on the capital pending amortization of the loan..
  • Permanent Absolute Disability. An irreversible physical situation, which disables you completely and permanently for the performance of any profession or trade, employment relationship or commercial activity. It must be officially recognised by Social Security or other equivalent body.
  • Temporary disability.This covers any physical situation, whatever the cause, which results in the insured's inability to perform any job or professional activity during a certain period.
  • Unemployment.In the case of unemployment of the policyholder (the person taking out the insurance), the insurance covers the payment of the loan instalments, according to the conditions established in the policy.

Find out more

Calculate your insurance yourself if you are a customer or leave us your details and we will contact you.

INSURANCE CALCULATOR

WE WILL CALL YOU

Most common questions about these insurance policies

What is life insurance for? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

Arranging life insurance is to guarantee being able to face complicated circumstances with the greatest possible peace of mind and support.

Who collects the life insurance? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

In the case of the Protección Familiar Plus and Protección Familiar en Femenino policies, in the event of death, the previously designated beneficiaries will receive the compensation. For the rest of coverages, the compensation will be received by the insured person.

In the case of Life Insurance Loan Protection, the beneficiary will be the bank.

How is the insured capital received, in a lump sum or in monthly payments? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

The payment is made in a lump sum when any of the contingencies covered by the insurance occur.

In the case of contracting an illness, could the Insurer cancel my life insurance? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

In the case of Protección Familiar en Femenino, who collects the compensation in the event of a claim? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

Are there exclusions? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

Yes. The capital covered will not be paid in case of:

  • Suicide, attempted suicide, crime, gambling, challenges or fights in which you participate (unless in legitimate self-defence).
  • Events caused by the consumption of drugs or alcohol.
  • Illnesses or accidents not declared prior to taking out the insurance.

What is Accidental Death? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

This refers to death caused by any external, sudden and violent event, beyond the control of the insured party, resulting in death within 365 days from the date of occurrence. In no case is myocardial infarction or cerebrovascular disease considered an accident.

Can I change the designated beneficiary? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

In the case of Protección Familiar Plus and Protección Familiar en Femenino Life Insurance policies, they can be changed at any time unless an irrevocable beneficiary has been designated.

In the case of Life Insurance Loan Protection, the beneficiary will be the bank.

Find out more

Calculate your insurance yourself if you are a customer or leave us your details and we will contact you.

INSURANCE CALCULATOR

WE WILL CALL YOU

Preguntas frecuentes

    What is life insurance for? Who collects the life insurance?

Life Insurance

Icon / check Created with Sketch. Be covered according to your specific needs

Icon / check Created with Sketch. Benefit from guidance and counselling services

Legal details of Seguro Familiar Plus. (pdf 69 KB)

Legal details of the Protección Familiar en Femenino. (pdf 75 KB)

CALCULATE INSURANCE

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