Home insurance
Health insurance
Car insurance
Lifecare insurance
Savings and pensions
Funeral insurance
Payment protection

Advantages of our Life insurance

Three options to suit your needs.

  • Protection against accidents and serious illness Get a cash benefit if you break a bone. If you choose the Premium option, you’ll also be covered if you’re diagnosed with a serious illness like a heart attack, cancer, kidney failure, stroke or organ transplant.
  • Extended accident coverage Get an additional benefit in the event of death or absolute permanent disability due to accident, and if you take out Plus or Premium cover, you will also get an advance payment for broken bones due to accident.
  • Full cover for death or absolute permanent disability Sum insured for death and absolute permanent disability due to any cause, and also additional benefits for death and absolute permanent disability due to accident.
  • Health and wellness services included Free medical check-up, specialised medical advice, health and wellness programmes, and home help after hospitalisation due to accident with the Premium option.
  • Flexible purchasing options and Zenit advantages Annual or six-monthly payment or a flat Zenit rate for three years with 24-hour legal advice and loyalty premium refund.

Compare our life insurance policies

Compare our Sabadell Insurance Life and Sabadell Insurance Zenit Life policies and choose the option that best suits your needs.

 

Covers

LifePlus Life Premium Life 

Basic product covers

  

 

Death due to any cause

Death due to accident


Absolute permanent disability due to accident

Covers with advance payment of benefit

 

 

 

Serious illness
(cancer and heart attack)

-

Serious illness Plus
(cancer and heart attack, stroke, kidney failure and organ transplant) de órganos)

-

Broken bones due to accident-
Optional covers   
Major disability-

Health and wellness services**

 

 

 

Medical guidance: 

  • General medicine guidance

 

 

 

 

 

 

-

  • Specialists and access to health programmes
-

Mental health support:
  • Psychological and emotional counselling

 

 

 

 

 

 

-

  • Emotional support programmes
-

Wellness help:

  • Advice and assistance service for adapting your home and adapting to digitalisation.
-
  • Wellness adviser, health test and nutritional guidance
  • Wellness programmes: nutrition, etc.
-
  • Mobility support services: Five sessions with nutritionists and nurses (guidance and advice on exercise and nutrition)
-
  • Home help in case of hospitalisation due to accident (at most 20 hours): home care, cooking meals, pet care, etc.
--

First-year medical check-up
(consultation, electrocardiogram and blood tests)

 

 

 

Medical consultation, electrocardiogram and blood tests
10% refund of premium paid after three years for loyalty   
Refund of net premiums paid after three years

Exclusively Zenit

(Flat rate for 3 years, monthly payment)

 Zenit Life Zenit Life PlusZenit Life Premium
Legal Queries Meeting Lawyers
International second medical opinion

x Included

x Optional

x Not included

Exclusive advantages Sabadell Insurance Zenit Life 

  1. Monthly payments with no surprises. You pay the same amount every month for 36 months
  2. 24-hour legal advice service Through the Consulta Legal Sabadell Seguros app. 
  3. Second medical opinion from professionals around the world. You can get a second medical opinion from doctors around the world.
    FAQS

    Have any other questions?

    Is it compulsory to have life insurance when you have a mortgage?

    No. However, while not required by law, it’s advisable to do so. We can help you with our insurance so that you will always be able to repay the debt, even if an adverse situation such as losing your job, a serious disability or even death occurs.

    What’s the difference between life and funeral insurance?

    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.

     

    How can I check the capital sums and covers of my insurance?

    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.

    How can I cancel my insurance?

    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.

     

    Can I take out a life insurance policy knowing that I suffer from a degenerative disease?

    The consequences of illness or accident occurring prior to the entry into force of this insurance are not covered.

    Discover our additional medical guidance services!

    With our Life Care life insurance, you have access to general medicine, pediatrics and gynecology guidance services online or by phone, psychological or nutritional consultations and much more.

    Find out more!
    OUR PRODUCTS

    Find out about other policies

    *Covers and services subject to the terms, conditions, limitations and exclusions applicable to your insurance as set out in the particular and general conditions.

    The medical services are not part of the life insurance and are provided by Teladoc Health International, S.A.U., or another company with similar characteristics as an independent controller as long as the insurance policy is in effect. BanSabadell Vida, S.A. de Seguros y Reaseguros, reserves the right to change or cancel these services which provide general health information. These services are intended to offer general health and wellness information and advice. Recommendations resulting from these services are based on medical information furnished by the customer. These services are delivered by independent and specialised companies by agreement with the insurer.

    The digital legal advice service is provided by Meeting Lawyers, S.L. as an independent data controller for BanSabadell Vida life insurance customers. Services subject to the provider’s terms and conditions. BanSabadell Vida reserves the right to change or cancel the service arranged with Meeting Lawyers, S.L.

    Medical Check-up is a service provided by Sanitas. To view the terms and conditions, click here.

     

    Sabadell Insurance Life, Sabadell Insurance Plus Life, Sabadell Insurance Premium Life, Sabadell Insurance Zenit Life, Sabadell Insurance Zenit Plus Life and Sabadell Insurance Zenit Premium Life are life and disability insurance policies of BanSabadell Vida, Sociedad Anónima de Seguros y Reaseguros, Tax ID No. A08371908 and registered office at Calle Isabel Colbrand, no. 22, 28050, Madrid. Registered in the Madrid Company Register and in the Directorate General of Insurance and Pension Funds Insurers Register with code C-0557. 

    Insurance brokered by BanSabadell Mediación, Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell S.A., Tax ID No. A-03424223, registered office at Avenida Óscar Esplá, 37, 03007 Alicante, registered in the Alicante Company Register and in the Directorate General of Insurance and Pension Funds Insurance and Reinsurance Distributors Administrative Register with code OV-0004. It has arranged public liability insurance pursuant to private insurance and reinsurance distribution regulations. www.bancsabadell.com/bsmediacion