Funeral Insurance Claim Spain

How to make a funeral insurance claim in Spain

Funeral insurance in Spain (seguro de decesos) is different from most policies: it is a service, not a reimbursement. When the insured person dies, the insurer organises and pays for the funeral directly through its network of funeral homes — so the family doesn’t have to find money up front or arrange everything alone.

1. Call the insurer’s 24-hour line first — before engaging a funeral home

This is the most important step. Call Generali’s claims line (above) before contracting any funeral director, so the insurer can assign one from its network and the costs are covered directly. If you’re unsure, call us and we’ll make the call with you, in English. The insurer then coordinates collection, paperwork, the ceremony and burial or cremation.

2. Documents the insurer will need

• The policy number (or the insured person’s name and ID)
• The deceased’s DNI/NIE or passport
• The medical certificate of death (the doctor/hospital issues this)
• Contact details for the family member managing arrangements

The funeral home, working with the insurer, handles the official death registration and the licencia de enterramiento (burial/cremation licence) as part of the service.

3. What’s typically included

A decesos policy generally covers the coffin, preparation, transport, ceremony and burial or cremation up to the insured amount, plus help with the paperwork. Many policies also include repatriation — returning the deceased to their home country — which is a key reason expats take this cover. Check whether your policy includes repatriation; we can confirm it for you.