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Steps needed to process the claim

  • 01
    Obtain documentation

    See the documents required in each case below.

  • 02
    Send us the documentation

    You can make an appointment at your nearest Banco Sabadell branch to submit the documentation. Remember to have the policyholder’s ID card number on hand so that we can quickly identify them.

  • 03
    We’ll get to work on it

    After verifying the initial documentation, we’ll assess your case and get back to you.

  • 04
    Claim resolution

    We’ll pay you the amount for the claim that is specified in your Banco Sabadell policy.

Description of the required documentation*.

The following are some of the most frequently required documents that must be submitted when processing a life claim:

man with documents
  • Official death certificate and certificate of last will and testament Public documents that you can obtain in person at the Civil Registry Office or online. Check here the Official Death Certificate, and here the Last Will Certificate.
  • Will and declaration of heirs The individuals mentioned in the will can request these documents at the notary public’s office where the will was executed by showing their ID card.
  • Acceptance of inheritance This is the document signed before a notary public by the heirs after death to accept the inheritance.
  • Payment of inheritance and gift tax It’s possible to carry out this procedure in person at the tax office or online. The deadline is 6 months after the date of death.
  • Family record book or marriage certificate These are public documents that can be obtained from the Civil Registry Office, which we usually request if the beneficiary is the spouse.
  • Medical information The family member may be required to obtain medical records, discharge and medical leave reports relating to the disability, or the medical death certificate.

*Information for guidance purposes and subject to possible variations or specific situations beyond the insurer’s control.


Have any other questions?

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.


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.


What happens if I am diagnosed with cancer shortly after taking out life insurance?

Cases of cancer diagnosed during the first six months of the insurance period are not covered.

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.

Find out about additional medical counselling services!

Our Life Care life insurance gives you access to general medical, paediatric and gynaecological counselling services online or over the phone, psychological or nutritional consultations and much more. Find out more
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Our services

What else can we help you with?

BanSabadell Vida, Sociedad Anónima de Seguros y Reaseguros, holder of Tax ID No. A08371908, with registered office at Calle Isabel Colbrand, n.º 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. 

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.