Generali Funeral Insurance Policy Conditions (English Translation)

Information Clause ↑ top

This clause fulfils the insurer's duty to inform under Article 96 of Law 20/2015 and Article 122 of Royal Decree 1060/2015. Insurer: GENERALI España S.A. de Seguros y Reaseguros, Pl. de Manuel Gómez-Moreno 5, 28020 Madrid. Supervisor: the Directorate-General for Insurance and Pension Funds (DGSFP). Complaints: Generali's Claims & Complaints Service (reclamaciones.es@generali.com), then the DGSFP. Distance contracts: a 14-day right of withdrawal applies to contracts concluded at a distance. Applicable law: Law 50/1980 on Insurance Contracts and related rules.

Definitions & parties ↑ top

• Sum insured (Capital Asegurado): the maximum the insurer pays for a claim, shown in the Particular Conditions.
• Funeral service (Servicio Fúnebre): the set of items and services needed to carry out the insured's funeral, within the policy's limits.
• Actuarial age (Edad Actuarial): the age at the nearest birthday to the policy's effective date — used to set the premium.
• Accident (Accidente): a sudden, external, violent event beyond the insured's control that directly causes bodily injury, disability or death.
• Hospitalisation: a stay of more than 24 hours as a patient in a hospital or clinic (spas, rest homes and care homes do not count).
• Pet (Mascota): for the pet guarantee, only dogs, cats and ferrets.
• The parties: the policyholder (tomador) takes out and pays for the policy; the insured (asegurado), who must be resident in Spain, is the person covered; the beneficiary receives any cash sums; the insurer is Generali España.

The eight guarantees (object of the insurance) ↑ top

The policy can include any of the following guarantees, as set out in your Particular Conditions:

• a) Funeral service & costs (Sepelio)
• b) Assistance on death
• c) Additional funeral capital
• d) Family assistance
• e) Death or absolute & permanent disability by accident
• f) Daily hospital cash for illness & accident
• g) Repatriation
• h) Pet funeral service & costs

Funeral service & costs (Sepelio) ↑ top

On the death of an insured person, the insurer provides a complete funeral service, up to the sum insured, using its own or contracted funeral providers. The cover applies whatever the cause of death, except the risks expressly excluded.

• If the funeral actually provided costs less than the sum insured, the insurer pays the difference to the policyholder or the legal heirs.
• If the insurer could not provide the service (force majeure, or the family arranged it elsewhere), it pays the sum insured to the heirs instead — except for an insured under 14, where only the service (not a capital) is provided.
• The heirs choose the components of the service, up to the sum insured, according to what is available in the insured's town of residence.

Increasing capital & premium options

The sum insured is increasing (index-linked each year — see annual revaluation). For the funeral and additional-capital guarantees you choose one of three premium options:

• Level (Nivelada): the premium stays the same for a given sum insured.
• Mixed (Mixta): the premium follows the sum insured and the insured's actuarial age at each renewal up to age 74, then stays fixed.
• Single premium (Prima Única): one payment frees the policyholder from any further premium for that guarantee for the life of the contract.

Assistance on death ↑ top

This guarantee (available to anyone who holds the funeral cover) adds the practical help a family needs at the time of death:

• National & international transfer, with free choice of burial place in Spain: if the insured dies anywhere in the world, the insurer organises and pays the transfer of the body to the cemetery or crematorium chosen freely by the heirs within Spain, including embalming and administrative formalities (transfer must be authorised in advance and handled by the insurer's funeral provider).
• Medico-legal costs: where a court intervention is required, the insurer covers the extra cost above the sum insured.
• Special services: a special funeral service (cost capped at 50% of the funeral sum insured) for an insured's child who dies through miscarriage or before 30 days of age; and burial/cremation of amputated limbs of any insured.
• Custody / accompaniment reimbursement: up to €300 towards the care of insured minors, or of insured persons over 75 or in a dependency situation, in the five days after the death.
• Grief management: a telephone bereavement-support service — up to five sessions of 30 minutes with a professional.
• Administration service (gestoría): personal help with the paperwork after a death — obtaining the death and birth certificates, last-will and insurance-contract certificates, Social-Security and family-book changes, widow/orphan pensions, succession (non-litigious) advice, and the inheritance-tax filing for the insured capital (within the EU).
• Digital end-of-life management: on the heirs' request, removal of the deceased's online presence (social networks, email, blogs) and review/wiping of their devices.

Additional funeral capital ↑ top

An optional top-up to the funeral sum insured, taken alongside the Sepelio guarantee, to meet a higher funeral cost or extra services. It follows the same rules as the funeral guarantee and ends automatically if that guarantee ends.

Family assistance & living benefits ↑ top

Where contracted, this is a large bundle of assistance services the family can use while alive, not only at death. The insured must be resident in Spain.

Worldwide travel assistance

Valid worldwide beyond the province of residence, for trips of up to 90 days (no day-limit within Spain). It includes: medical transfer of the sick or injured; medical expenses abroad up to €25,000 (emergency dental up to €800); hotel-stay extension (up to €175/day, 10 days); early return and escort of accompanying insureds and minors; repatriation in the event of a relative's death or hospitalisation; delivery of medicines; advance of a criminal bail bond up to €12,000 and legal fees up to €600 after a traffic accident; telephone interpreter; private civil-liability cover up to €30,000; search and rescue up to €1,500; baggage location; and 24-hour information and message services.

Legal & living wills

Free preparation of a will (legal or living will) with a lawyer and notary signing, one annual amendment, and legal defence (up to €6,000) if a will prepared through the service is challenged.

Medical, dental & wellbeing services

A broad set of health services at no cost or at preferential prices: 24-hour telephone medical guidance and video GP consultations; access to a national network of doctors, specialists and dental professionals (with many free dental acts plus child- and senior-dental plans); a home-doctor service (up to 5 visits a year); a senior medical service; teleassistance for housebound insureds; a second medical opinion for serious illnesses; psychology support (telephone/video, up to 5 sessions); and an integral wellbeing programme (health check, stress & sleep, weight, stopping smoking, nutrition).

Schooling & home help

Home tuition (Educasa) for a school-age insured who is housebound for more than 15 days, and a range of home-help services arranged by the insurer (tele-pharmacy, cleaning, catering, home nursing, companionship, hairdressing/chiropody, and pet care & home veterinary services) — the cost of these home-help services is met by the insured at agreed prices.

Death or absolute & permanent disability by accident ↑ top

If an accident during the policy causes the insured's death or absolute & permanent disability (total, irreversible inability to do any paid work or normal daily activities, certified by the insurer's medical service), the insurer pays the capital in the Particular Conditions to the insured or beneficiary.

• If the insured has a child under 14 insured on the same policy, an equal additional capital is paid.
• Paying the disability capital ends this guarantee. It is complementary to the funeral guarantee and ends with it.

Not covered: voluntary death/disability; death by heart attack; accidents under the effect of alcohol or non-prescribed drugs; reckless conduct, crime, duels or brawls; underwater or non-authorised air travel, gliders and hang-gliding; and motor-racing.

Daily hospital cash for illness & accident ↑ top

Pays the daily sum insured for each day in hospital due to illness or accident, in complete 24-hour periods from admission (nothing for stays under 24 hours), throughout the indemnity period.

• Intensive care: an additional equal daily sum for each 24 hours in ICU/UVI.
• Childbirth or adoption: a single payment equal to ten times the daily sum insured.
• Successive stays for the same cause count as one period; for insured persons over 69, cover is limited to hospitalisation for surgery.

Repatriation (foreign nationals) ↑ top

An optional guarantee for insured persons of foreign nationality who are legally resident in Spain — particularly relevant for expats. If the insured dies in Spain or anywhere in the world, the insurer organises and pays the transfer of the body to the nearest international airport to the place of burial in the insured's country of origin (named in the Particular Conditions), including embalming, administrative formalities, freight and customs.

• Within the EU, the insurer also covers onward transfer from the airport to the town of burial; outside the EU, up to €1,000 towards that onward leg (where burial is more than 30 km from the airport).
• Burial and ceremony costs themselves fall under the funeral (Sepelio) guarantee, not here.
• The insurer also provides a return ticket for one person to accompany the body.

Pet funeral cover ↑ top

Provides a cremation service for a pet (dog, cat or ferret) belonging to an insured, on its death within Spain from any cause except a deliberate one. You choose individual cremation (ashes returned in a basic urn, with certificate) or collective cremation. The guarantee also gives telephone pet-owner assistance and tele-veterinary services.

• 3-month waiting period (waived for accident); maximum 5 pets per policy; the pet must be microchipped.
• Pets must be between 6 months and 10 years old when added; pre-existing conditions and euthanasia are excluded; cover is for the national territory only.

Exclusions (risks not covered) ↑ top

In addition to the specific limits of each guarantee, the policy excludes:

• Pre-existing serious illness at the date the insured joined the policy (even without a firm diagnosis).
• Armed conflict (declared or not), riots and civil commotion, and nuclear reaction or radioactive contamination.
• Any contagious disease classed as a WHO Phase 5 or 6 pandemic.
• Floods, hurricanes, storms, earthquakes and, in general, events the Government classes as a national catastrophe (these are dealt with by the Consorcio — see below).

For the accidental death/disability guarantee specifically, the exclusions listed in that section also apply (heart attack, alcohol/drugs, recklessness and crime, underwater/non-authorised air travel and gliders, and motor-racing).

Extraordinary risks (Consorcio de Compensación de Seguros) ↑ top

Losses from extraordinary events are indemnified by the public Consorcio de Compensación de Seguros, funded by a surcharge collected with your premium, under Royal Legislative Decree 7/2004. Cover applies to natural phenomena (earthquakes, tsunamis, extraordinary floods, volcanic eruptions, atypical cyclonic storm and falling meteorites), terrorism, rebellion, riot and popular tumult, and acts of the Armed or Security Forces in peacetime. Claims can be reported to the Consorcio directly (900 222 665).