Sanitas Asistencia Familiar iPlus | Family Assistance & Funeral Cover Spain
Funeral Cover Travel Assistance English Support

Funeral Cover & Family Assistance for Expats in Spain

Comprehensive in-life and death cover from Sanitas — funeral services, worldwide travel emergency assistance, a legal helpline and age-tailored protection for every member of your family. In association with Santalucía Seguros.

Provider Sanitas + Santalucía
Co-payments None
Coverage Worldwide
Age Limits None
From €8.31 / month
All Services In English
About This Plan

The Sanitas Family Safety Net

Asistencia Familiar iPlus is one of the most complete funeral and assistance plans available in Spain, combining peace of mind for what happens after death with a wide range of in-life benefits that support your family every day. All assistance is provided in English and is tailored according to the age of the insured.

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Provided by Sanitas in association with Santalucía Seguros — one of Spain's leading funeral insurance providers, with deep experience in cross-border repatriation and family assistance for foreign nationals resident in Spain.
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Funeral Cover

Complete funeral service, burial or cremation, transfers and repatriation included

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Travel Assistance

Up to €15,000 for emergency medical expenses abroad, repatriation and companion travel

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Legal Helpline

Unlimited legal telephone advice plus up to €3,500 for legal representation per claim

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Age-Tailored Care

Baby Bonus, childcare liaison, accident compensation and senior care support

In-Life Cover

Travel Assistance & Legal Aid

A significant portion of the Asistencia Familiar iPlus cover applies while you are alive — providing immediate practical support when you need it most.

✈️ Travel Assistance

  • Up to €15,000 per claim for emergency medical expenses abroad
  • Hospitalisation and emergency treatment following accident or illness abroad
  • Medical repatriation in the event of a life-threatening illness or accident
  • Ambulance transfer in the event of illness or accident in Spain
  • Travel and accommodation costs for one companion during hospitalisation
  • Return travel for all children under 17 in case of hospitalisation
  • Travel cancellations, delays and lost connections
  • Lost or delayed luggage
  • Recovery of forgotten documents and personal items
  • Legal assistance and bail bond posting for road accidents abroad
  • Translation service

⚖️ Legal Assistance

  • Up to €3,500 per claim for legal representation by a qualified lawyer
  • Unlimited comprehensive legal telephone helpline, available 24 hours
  • Covers criminal, consumer, labour, civil, family, traffic and tax law
  • Legal assistance in the event of death or permanent disability
  • Legal assistance for road accidents abroad
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Available in English. The legal helpline covers the full range of situations expats encounter in Spain — contracts, residency, employment, family matters and more.
Age-Tailored Protection

Cover That Changes With You

In-life benefits are specifically tailored according to the age of the insured — from a Baby Bonus at birth to comprehensive senior care support for those aged 65 and over.

Newborns At birth
  • €300 Baby Bonus paid on birth of insured child
Ages 0–16 Children
  • Childcare liaison — sourcing professional help for childcare, nursing, private tuition (under 7)
  • Home care service if parent travels to place of death (under 17)
Ages 17–64 Adults
  • €12,000 compensation in the event of death or permanent disability
  • €24,000 compensation in the event of a fatal road accident
Ages 65+ Seniors
  • Comprehensive medical check-up
  • 24-hour remote assistance
  • Care training programme
  • Post-hospitalisation care
  • Home inspection, repair and cleaning liaison services
Death Cover

Funeral Services, Transfers & Family Assistance

The plan covers all aspects of the funeral and associated arrangements, taking the administrative and financial burden away from your family at the most difficult time.

🕯️ Funeral Service

Designed according to the characteristics and customs of the burial location. Cremation may be chosen instead of burial at no extra cost. Typically includes:

  • Casket, shroud and funeral car
  • Additional cars for mourners
  • Wake, flowers and religious service
  • Niche, gravestone and death certificate
  • All administrative procedures
  • Cremation as an alternative to burial at no extra cost

🌍 Transfers & Repatriation

  • National and international transfer of the deceased from anywhere in the world
  • All insured persons on the policy if travelling together
  • Repatriation to country of choice for foreign nationals resident in Spain 3+ months (with one family companion)
  • In accidental death: travel and accommodation for one companion to travel to and from the accident location

👨‍👩‍👧 Family Assistance After Death

Support for the family is provided according to the age of the insured:

  • All ages: Psychological care
  • All ages: Legal assistance in the event of death or permanent disability
  • Under 7: Childcare support when the surviving parent must travel to the place of death
  • Under 17: Home care service when the surviving parent must travel to the place of death
  • 65+: Home care for seniors living with the deceased when the surviving spouse must travel to the place of death
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No family left alone. Every age group has specific support arrangements — ensuring that children, adults and seniors receive practical care while the family navigates the processes after a death.
Plan Details

Waiting Periods & Age Limits

The waiting periods below are standard industry policy applied by all insurers in Spain and apply from the effective date of the policy.

Cover TypeWaiting Period
Accidental deathImmediate
All cover not specifically listed2 months
Legal assistance (excluding traffic violations)3 months
Legal assistance — family law cases9 months
Baby Bonus10 months
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No age limits. This plan has no contractual age limits. Up to age 75, premiums can be paid monthly or annually. From age 76, the plan is available on a single-premium basis only.
Policy Documents

Download the Full Policy Documents

Read the full details of your cover before applying. Both documents are available in English.

Free Quote

Get a Free Quote for Asistencia Familiar iPlus

Fill in the form and a specialist will come back to you with your personalised quote. All enquiries are handled in English.

  • 🕯️ Complete funeral cover including repatriation
  • ✈️ Worldwide travel emergency assistance
  • ⚖️ 24-hour legal helpline in English
  • 👨‍👩‍👧 Age-tailored family protection
  • ✅ No co-payments, no age limits

Request a Quote

FAQs

Frequently Asked Questions

Common questions about Sanitas Asistencia Familiar iPlus.

What does Asistencia Familiar iPlus actually cover?
The plan provides four core areas of cover: funeral services (including burial or cremation, national and international transfer of remains, and repatriation), worldwide travel assistance (up to €15,000 emergency medical expenses abroad), a comprehensive legal helpline (with up to €3,500 for legal representation), and age-tailored benefits including accident compensation for ages 17–64, a €300 Baby Bonus at birth, and senior care support for those aged 65 and over.
Is this plan only useful if someone dies?
No. While the funeral and death cover is a central element, the plan includes substantial in-life benefits: worldwide travel assistance up to €15,000, a 24-hour legal helpline covering criminal, consumer, labour, civil, family, traffic and tax law, accident compensation, childcare and senior care support, and a comprehensive medical check-up for those aged 65 and over. All services are provided in English.
What travel assistance is included?
Travel assistance covers up to €15,000 per claim for emergency medical expenses abroad, hospitalisation and emergency treatment following accident or illness, medical repatriation, ambulance transfer in Spain, travel and accommodation for one companion during hospitalisation, return travel for children under 17, travel cancellations and delays, lost or delayed luggage, recovery of forgotten documents, and legal assistance for road accidents abroad.
How much accident compensation does the plan pay?
For those aged 17–64, the plan pays €12,000 in the event of death or permanent disability, and €24,000 in the event of a fatal road accident. These payments are made in addition to any funeral cover under the plan.
Does the funeral cover include repatriation to the UK?
Yes. The plan covers national and international transfer of the deceased from anywhere in the world. For foreign nationals who have been resident in Spain for at least three months, repatriation to the country of your choice is included, with one family member able to travel as a companion. This includes repatriation to the UK, Ireland, or any other country.
Are there waiting periods?
Accidental death cover is effective immediately. Most other cover has a 2-month waiting period. Legal assistance (excluding traffic violations) has a 3-month waiting period, family law cases have a 9-month waiting period, and the Baby Bonus has a 10-month waiting period. These are standard industry waiting periods applied by all insurers in Spain.
Are there any age limits?
There are no contractual age limits. Up to age 75, premiums can be paid monthly or annually. From age 76, the plan is available on a single-premium basis only. There is no upper age limit for joining or renewing.
Who provides this plan?
Asistencia Familiar iPlus is provided by Sanitas in association with Santalucía Seguros, one of Spain's leading funeral insurance providers. Sanitas brings English-language support and the trusted Bupa network, while Santalucía brings deep expertise in funeral logistics, international transfers and repatriation for foreign nationals in Spain.