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COVERAGE
What do they protect me against?
Discover what is covered by your life insurance: Family Protection Plus, Family Protection for Women and Essential Family Protection.
|
Cover |
Family Plus Protection |
Family Protection for Women |
Essential Family Protection |
|---|---|---|---|
|
Death |
|
|
 |
|
Absolute Permanent Disability |
|
|
x |
|
Serious Disability |
|
x |
x |
|
Female cancer1 |
x |
|
x |
|
Additional capital in the event of accidental death |
(Optional) |
x |
x |
|
Additional family protection services |
|
|
x |
- 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.
- 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.
Conditions for taking out the policies
Depending on the product selected, your age and capital to be insured insured, you will have to complete a simple medical questionnaire, a telephone medical questionnaire or a medical exam.
|
Minimum age when taking out the policy |
Maximum age when taking out the policy |
|
|---|---|---|
|
Family Protection Plus |
18 years |
64 years |
|
Family Protection for Women |
18 years |
64 years |
|
Essential Family Protection |
42 years |
64 years |
How to arrange cover
Drop in to your closest branch or arrange online if you are interested in Family Plus Protection or Family Protection for Women.
Find out more
Calculate your insurance yourself if you are a customer or leave us your details and we will contact you.
Most common questions about these insurance policies
What is life insurance for?
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?
For the Family Protection Plus, Family Protection for Women and Essential Family Protection insurance policies, the beneficiaries previously appointed by you will receive the compensation if you die. For other cover, the compensation will be received by the insured party.
How is the insured capital received, in a lump sum or in monthly payments?
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?
In the case of Protección Familiar en Femenino, who collects the compensation in the event of a claim?
Are there exclusions?
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?
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 appointed beneficiary?
For the Family Protection Plus, Family Protection for Women and Essential Family Protection life insurance policies, they may be changed at any time, except where the beneficiary has been appointed as irrevocable.
Find out more
Calculate your insurance yourself if you are a customer or leave us your details and we will contact you.
Preguntas frecuentes
-
What is life insurance for?
Who collects the life insurance?
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Life Insurance
Three modalities for your needs
Protect your peace of mind and that of yours
Take out online or at your office
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