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CHARACTERISTICS
Protection for you and your loved ones in adverse situations
Protección Familiar Plus and Protección Familiar en Femenino
Life Insurance helps you protect yourself and your loved ones from the economic impact of different adversities in life.
Circumstances such as the death, disability or illness of the person supporting the family can destabilise the family economy. These Life Insurance policies are adapted to your needs, offering you specific coverages that complete your protection, and with additional services such as medical guidance, nutrition and dietary advice, psychological counselling and healthy habits tests.
The Protección Familiar Plus Life Insurance protects the financial needs and economic stability of your family to help them adapt to a new reality. Whereas the Protección Familiar en Femenino Insurance it is designed exclusively for women and in addition to the mentioned circumstances, it includes the diagnosis of gynaecological cancer1.
Loan Protection Life Insurance Protection
When you take out a mortgage or consumer loan, you run the risk that a change in your circumstances will not allow you to meet the established repayments in the future. To give you peace of mind, the Loan Protection Life Insurance policies are designed to provide coverage in the event of an accident, illness or you become unemployed.
Protection for you and your loved ones in adverse situations
Protección Familiar Plus and Protección Familiar en Femenino
Life Insurance helps you protect yourself and your loved ones from the economic impact of different adversities in life.
Circumstances such as the death, disability or illness of the person supporting the family can destabilise the family economy. These Life Insurance policies are adapted to your needs, offering you specific coverages that complete your protection, and with additional services such as medical guidance, nutrition and dietary advice, psychological counselling and healthy habits tests.
The Protección Familiar Plus Life Insurance protects the financial needs and economic stability of your family to help them adapt to a new reality. Whereas the Protección Familiar en Femenino Insurance it is designed exclusively for women and in addition to the mentioned circumstances, it includes the diagnosis of gynaecological cancer1.
Loan Protection Life Insurance Protection
When you take out a mortgage or consumer loan, you run the risk that a change in your circumstances will not allow you to meet the established repayments in the future. To give you peace of mind, the Loan Protection Life Insurance policies are designed to provide coverage in the event of an accident, illness or you become unemployed.
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 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 |
32 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.
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 for 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.
- 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.
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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