The Sanitas accidental death and permanent disability add-on may provide a lump-sum benefit if the insured person dies or becomes permanently disabled as a result of an accident, depending on the policy terms and selected level of cover. It can be useful for families, couples, workers, autónomos and expats who want additional financial reassurance for dependants.
The basics
This is an optional extra that may provide a lump-sum financial benefit in the event of accidental death or permanent disability, subject to terms. It is not the same as medical treatment cover — it is a financial protection benefit.
Who it's for
What it means
A benefit may be paid if death results from an eligible accident.
A benefit may apply if an accident causes qualifying permanent disability.
How it compares
Health insurance pays for medical access and treatment. Accidental death cover is financial protection — it does not replace health insurance and does not directly pay medical bills.
Traffic / work accidents cover relates to medical assistance after eligible traffic or workplace accidents. Accidental death cover relates to a financial benefit after accidental death or qualifying permanent disability.
Life insurance and accidental death cover are not the same. Accidental death cover is normally limited to qualifying accidents, while life insurance may have broader death-benefit conditions depending on the product.
See traffic & work accidents cover and income protection for related options.
Good to know
It may be useful for expats who have dependants, a mortgage or rent commitments, run a business, are self-employed, live far from family support, or want additional protection alongside health insurance.
Eligibility may depend on age and current Sanitas rules. Ask us to confirm whether you can apply.
This depends on policy rules and renewal timing. Ask before applying if this add-on is important.
Get help
Spanish Health Insurance can help confirm availability and request a personalised quote.
Tell us about your situation and we will check whether this add-on may be available with your Sanitas plan, explain the terms in plain English and request a personalised quote. Acceptance and exact terms depend on the insurer's rules.
We'll check whether accidental death cover can be added to your Sanitas plan — free advice in English.
FAQs
Common questions about Sanitas accidental death and permanent disability cover.