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We can’t prevent unforeseeable circumstances, but we can protect your family with an insured benefit that will enable them to rebuild their lives. They’ll have the financial resources needed to make mortgage or rent payments, as well as to fund your children’s schooling and cover any other family debts.
If you’d like to benefit from different points of view, you can get professionals from around the world to give you their opinion of a diagnosis.
We have more than 60 medical specialists to help you with any medical question or query, including paediatric visits, routine situations or requesting more information about a prescribed medication.
If you and your partner die simultaneously in an accident and you have children under the age of 23, your children will be protected with double the death benefit (up to €200,000).
In the event of total permanent disability that prevents you from working, you’ll receive the benefit needed to modify your home and continue looking after your family.
Our life insurance includes a double benefit option which, in the event of an accident resulting in death or total permanent disability, would entitle you or your family to receive double the sum insured.
Whether you do sport, plan to go on a diet or simply want to improve your health, you’ll have access to nutrition and dietetic advisory services and even psychological counselling.
Covers | Life Care Woman | Life Care | Premium Accident |
|---|---|---|---|
Basic product warranties |
|
| |
Minimum sum insured for death or permanent disability | 50.000€ | 50.000€ | 300.000€ |
Death due to accident | ✓ | ✓ | ✓ |
Other basic or optional product warranties |
|
|
|
Double benefit for death due to accident and permanent disability due to accident | Opcional | Opcional | - |
Double benefit in the event of simultaneous death due to accident | ✓ | ✓ | - |
Credit card debt balances (up to €3,000) | ✓ | ✓ | - |
Additional services |
|
|
|
2nd medical opinion and medical guidance over the phone | ✓ | ✓ | - |
Psychological counselling, nutrition and dietetics advice and healthy habits test. | ✓ | ✓ | - |
Advance payment of sum insured for a serious illness diagnosis |
|
|
|
Breast, cervical, uterine, ovarian, fallopian tube and vulvar/vaginal cancer. | 35.000€ o 70.000€ | - | - |
Carcinoma in situ of the breast or cervix | 9.000€ o 18.000€ | - | x |
x Included
x Optional
x Not included
Whenever you need to, you can view the sums insured and the cover included in your policy in your BS Online private area. To do so, enter the private area and select the product you wish to view.
First of all, we’re sorry to know that you want to leave.
How can I cancel my policy?
We have several phone numbers or channels for different products. You can view all of them here.
How long do I have to cancel my insurance?
If it’s an annual renewable policy, remember that you can inform us that you want to cancel the policy up to 1 month prior to the renewal date.
A life insurance policy provides a sum insured to the beneficiary upon the death of the insured. The beneficiary can be a family member, friend or a bank if you have a mortgage. Life insurance can be taken out with a sum insured starting from €50,000, a capital sum that will provide your loved ones with money if you are no longer around. Click here to find out more about our life insurance.
In contrast, a funeral insurance policy offers you a complete and personalised service that covers all expenses related to the funeral and begins immediately from the time the company is informed of the death. If a person has a funeral insurance policy, their family members will have part or all of the insured’s funeral expenses covered and can thus be free of financial concerns and focus on what really matters at such a difficult time. Click here to find out more about our funeral insurance.
Cases of cancer diagnosed during the first six months of the insurance period are not covered.
The consequences of illness or accident occurring prior to the entry into force of this insurance are not covered.
*Covers and services subject to the terms, conditions, limitations and exclusions applicable to the policy as set out in the terms and conditions and schedule.
Exclusions
- Taking out life insurance knowing that you suffer from a degenerative illness. The consequences of illness or accident arising prior to the entry into force of this insurance are not covered.
- Diagnosis of cancer shortly after taking out life insurance. Cases of cancer diagnosed during the first six months of the insurance period are not covered.
- Suicide of the insured. Suicide is not covered during the first insurance year.
**The additional medical services of Psychological Counselling, Active Health Programme, Healthy Habits Test, Health Guidance, Medical Guidance, general medical visit, international second medical opinion, paediatric visit and nutritional advice are not part of the life insurance policy and are provided by Teladoc Health International, S.A.U., or another entity with similar characteristics, provided that the policy is in force. BanSabadell Vida, S.A. de Seguros y Reaseguros reserves the right to cancel or modify these services, which are intended to provide general health information.
Under no circumstances will Teladoc make any diagnoses or recommend any treatments. The recommendations obtained from these services are based on information provided by the customer and do not in any way constitute bona fide medical information in lieu of a medical visit.
Life Care and Life Care Woman are insurance policies issued by BanSabadell Vida, Sociedad Anónima de Seguros y Reaseguros, holder of Tax ID No. A08371908 and with registered office at Isabel Colbrand 22, 28050, Madrid. Registered in the Madrid Companies Register and in the Insurance Entities Register of the Directorate-General of Insurance and Pension Funds (DGSFP) under code C-0557.
Accident Premium is an insurance policy issued by BanSabadell Seguros Generales, Sociedad Anónima de Seguros y Reaseguros, holder of Tax ID No. A-64194590, with registered office at Calle Isabel Colbrand 22, 28050 Madrid. Registered in the Madrid Companies Register and in the Insurance Entities Register of the Directorate-General of Insurance and Pension Funds (DGSFP) under code C-0767.
Insurance brokered by BanSabadell Mediación, Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell, S.A., holder of Tax ID No. A-03424223, with registered office at Avenida Óscar Esplá, 37, 03007 in Alicante, and registered in the Alicante Companies Register and in the Administrative Register of Insurance and Reinsurance Distributors of the Directorate-General of Insurance and Pension Funds (DGSFP) under code OV-0004, having taken out a liability insurance policy pursuant to prevailing regulations on private insurance and reinsurance distribution.
