WHAT DOES IT OFFER ME?

COVERAGE

REQUIREMENTS

FAQs

WE LOOK OUT FOR YOU AND YOUR LOVED ONES

WITH OUR LIFE INSURANCE FROM THE FAMILY PROTECTION LINE

Choose the option that best suits your coverage requirements and provides you and your loved ones with peace of mind.

Essential Protection for your Family1

Protect your family against the potential loss of income in the event of death, from €120 per year. Calculate your insurance.

Family Protection for Women

Exclusively for women with compensation of €30,000 in case of cancer in women2. Calculate your insurance.

Family Protection Plus

With coverage for Death, Serious Disability and Permanent Disability included. Calculate your insurance.

What do they protect me against?

Find out about the coverage provided 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 payout in case of accidental death

(Optional)

x

x

Death due to traffic  accident

(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.

Find out more

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

Conditions for taking out the policies

Depending on the selected product, your age and insured payout, you will have to fill out a simple medical questionnaire, a medical survey by phone or a medical examination.


Minimum age for taking out the policy

Maximum age for taking out the policy

Family Protection Plus

18 years

64 years

Family Protection for Women

18 years

64 years

Essential Family Protection

  • 32 years if you take it out online.
  • 42 years if you take it out at a branch or through Santander Personal.

64 years

How to arrange cover

Take it out online or through your branch manager or Santander Personal.

Find out more

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

FAQs

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.

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.

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

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.

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.

What is Accidental Death by road traffic accident? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

Accidental Death due to road traffic accident is understood to be that which occurs as a pedestrian caused by a vehicle, as a driver or passenger in a motorised land vehicle and bicycle, or that occurred as a passenger in public land, sea or air means of transport.

What is absolute permanent disability? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

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.

What is Severe Disability? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

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.

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.

¿Qué es la Gran invalidez? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

Situación de invalidez que, a consecuencia de pérdidas anatómicas o funcionales, suponga la necesidad de asistencia de otra persona para llevar a cabo los actos más esenciales de la vida, tales como vestirse, desplazarse, comer o análogos. Deberá estar oficialmente reconocida por la Seguridad Social u otro organismo equivalente.

¿Existen exclusiones? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

Sí. No se pagarán los capitales cubiertos, entre otros motivos, en caso de:

  • Suicidio, intento de suicidio, delitos, apuestas, desafíos o riñas en los que se participe (excepto en legítima defensa).
  • Hechos provocados por el consumo de drogas o alcohol.
  • Enfermedades o accidentes, anteriores a la contratación del seguro, que no se hayan declarado.

Què és la gran invalidesa? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

La situació d’invalidesa que, com a conseqüència de pèrdues anatòmiques o funcionals, suposi la necessitat d’assistència d’una altra persona per dur a terme els actes més essencials de la vida, com vestir-se, desplaçar-se, menjar o anàlegs. Ha d’estar oficialment reconeguda per la Seguretat Social o un altre organisme equivalent.

Hi ha exclusions? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

Sí. No es pagaran els capitals coberts, entre altres motius, en els casos següents:

  • Suïcidi, intent de suïcidi, delictes, apostes, desafiaments o baralles en què es participi (excepte en legítima defensa).
  • Fets provocats pel consum de drogues o alcohol.
  • Malalties o accidents, anteriors a la contractació de l’assegurança que no s’hagin declarat.

Find out more

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

Frequent questions

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

Life Insurance

Icon / check Created with Sketch. Three modalities for your needs

Icon / check Created with Sketch. Protect your peace of mind and that of yours

Icon / check Created with Sketch. Take out online or at your office

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