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.
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WHAT DOES IT OFFER ME?
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 |
|
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?
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 Women2 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?
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?
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?
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?
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?
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?1
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.
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?
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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