The burial insurance for foreign residents . How does it work? What specific characteristics?
Just walk around any of the streets of a Spanish city to realize: the Spanish society is increasingly diverse, multiracial and multicultural. Registered immigration in recent decades, and their offspring, have meant that Spain is now a rich nation by people from many places beyond our borders.
Currently a large group of foreign Ecuadorian, Moroccan, Romanian origin, and dozens of other nationalities who live, reside and work in our country, forming a different a few years ago social reality. A reality that insurance also have been attentive.
These people have very often with great difficulty of being away from their countries of origin and separated from much of his family, something that generates a few logistical problems beyond the personal sphere.
For example, in the case of an occurring death , all efforts to be made which are no longer simple whatever the case- become more complicated procedures yet. To make things easier, and given the large number of people of other nationalities living in Spain, has created the burial insurance for foreign residents . How does it work? What specific characteristics? How you can simplify procedures and save money to foreign families? Read on .
Repatriation, key
The big difference with respect to a burial insurance standard is that this usually does not guarantee costs of repatriation to the place of origin except death occurs outside our country, a process that is necessary when we talk about a foreign resident in Spain . Often, most of the families of these people reside in their country of origin, and usually the willingness of immigrants - and their allegados- is that after his death his remains rest in their place of origin.
Death insurance for residents include among its hedges , not surprisingly, the cost of repatriation , relieving families -the three major emotional burdens, logistics and economically. On the emotional side, to begin with , because they relieve their level of stress and worry and avoid them additional pain in such a tough situation as the death of a relative. In addition, when a person hires a policy in this sector, it also ensures that his will faithfully fulfilled in case of death.
In the logistics, enlist the help of a safe, free to the families of performing dozens of unknown paperwork for them and difficult to perform, even more so considering that may have additional complications to come from another country and should do more paperwork than usual. Tell family, communicate the death to the embassy, issuing the medical certificate of death, the processing formal transfer request, different visas and permits ... Many of these efforts are saved expecting a burial insurance and calling insurance to take care of much of the work. And this is even more important when the deceased resides only in Spain and has no family in our country.
Finally, the third reason: the economics have taken out burial insurance pays off, for the repatriation costs are, whoever falls, high, several thousand euros. This payment would fall to the deceased's family if it is not covered by insurance.
It is important to note that in this type of coverage, the insurance usually covers the transfer of the deceased to the airport nearest the place of burial destination, and in some cases additional money for costs incurred in the country of destination.
complementary coverage
Some of the additional coverage that can have a burial insurance for residents is the cremation service, if this is done; transportation expenses of a person to accompany the remains; testamentary service management, providing this procedure without additional charges ...
As in all cases, to decide on one company or another, we must take into account several factors, not just the price and rate mode. Whether the insurance is operating in the country, find out if the insurer would return us the remaining amount if the service cost would have been less than the sum insured, to know if it adapts to the funeral expenses of the country concerned and have clear exactly the coverage that we provide are essential aspects. For people who belong to this group of expatriates from Europe to Peru, it is an insurance contract should be considered.
Just walk around any of the streets of a Spanish city to realize: the Spanish society is increasingly diverse, multiracial and multicultural. Registered immigration in recent decades, and their offspring, have meant that Spain is now a rich nation by people from many places beyond our borders.
Currently a large group of foreign Ecuadorian, Moroccan, Romanian origin, and dozens of other nationalities who live, reside and work in our country, forming a different a few years ago social reality. A reality that insurance also have been attentive.
These people have very often with great difficulty of being away from their countries of origin and separated from much of his family, something that generates a few logistical problems beyond the personal sphere.
For example, in the case of an occurring death , all efforts to be made which are no longer simple whatever the case- become more complicated procedures yet. To make things easier, and given the large number of people of other nationalities living in Spain, has created the burial insurance for foreign residents . How does it work? What specific characteristics? How you can simplify procedures and save money to foreign families? Read on .
Repatriation, key
The big difference with respect to a burial insurance standard is that this usually does not guarantee costs of repatriation to the place of origin except death occurs outside our country, a process that is necessary when we talk about a foreign resident in Spain . Often, most of the families of these people reside in their country of origin, and usually the willingness of immigrants - and their allegados- is that after his death his remains rest in their place of origin.
Death insurance for residents include among its hedges , not surprisingly, the cost of repatriation , relieving families -the three major emotional burdens, logistics and economically. On the emotional side, to begin with , because they relieve their level of stress and worry and avoid them additional pain in such a tough situation as the death of a relative. In addition, when a person hires a policy in this sector, it also ensures that his will faithfully fulfilled in case of death.
In the logistics, enlist the help of a safe, free to the families of performing dozens of unknown paperwork for them and difficult to perform, even more so considering that may have additional complications to come from another country and should do more paperwork than usual. Tell family, communicate the death to the embassy, issuing the medical certificate of death, the processing formal transfer request, different visas and permits ... Many of these efforts are saved expecting a burial insurance and calling insurance to take care of much of the work. And this is even more important when the deceased resides only in Spain and has no family in our country.
Finally, the third reason: the economics have taken out burial insurance pays off, for the repatriation costs are, whoever falls, high, several thousand euros. This payment would fall to the deceased's family if it is not covered by insurance.
It is important to note that in this type of coverage, the insurance usually covers the transfer of the deceased to the airport nearest the place of burial destination, and in some cases additional money for costs incurred in the country of destination.
complementary coverage
Some of the additional coverage that can have a burial insurance for residents is the cremation service, if this is done; transportation expenses of a person to accompany the remains; testamentary service management, providing this procedure without additional charges ...
As in all cases, to decide on one company or another, we must take into account several factors, not just the price and rate mode. Whether the insurance is operating in the country, find out if the insurer would return us the remaining amount if the service cost would have been less than the sum insured, to know if it adapts to the funeral expenses of the country concerned and have clear exactly the coverage that we provide are essential aspects. For people who belong to this group of expatriates from Europe to Peru, it is an insurance contract should be considered.