One-off funeral insurance for those aged 65 and over in Spain. A single payment secures complete funeral cover for life. No waiting periods. No health declaration. No exclusions for pre-existing conditions. Your family makes one call — Sanitas handles everything.
Asistencia Senior is Sanitas's funeral insurance product designed specifically for those aged 65 and over. Unlike standard funeral insurance, it uses a single premium — you make one payment and full cover is in place for life. There are no monthly bills, no renewals, no health questions and no exclusions. The aim is simple: to ensure your family never has to worry about what happens, or what it costs, when you pass away.
Pay once at sign-up. No ongoing monthly premiums. Cover is secured for life.
Complete funeral arrangements — burial or cremation, ceremony, transfers and all admin.
Cover applies in any country in the world, including repatriation to your home country.
Includes the notarial fees to prepare and grant your will — putting your affairs in order.
Funeral costs in Spain have risen steadily over recent years and continue to increase with inflation. A single-premium policy solves this permanently — you pay today's price and the full cost of your funeral is covered, regardless of what services cost in the future.
Once you've made your single payment, there's nothing more to pay. No monthly direct debits, no annual renewals, no risk of lapsing cover if finances change in later life.
Funeral costs in Spain range from €2,500 to over €8,000 and continue to rise. Your single payment locks in cover at today's rate, protecting your family from future price increases.
Once the policy is in place, your family knows exactly what to do — call Sanitas's 24/7 team. Everything is handled for them, from funeral logistics to repatriation to documentation.
Asistencia Senior covers all the services and costs associated with a death, including the funeral itself, all administrative procedures and — for foreign residents — repatriation.
The complete funeral service, arranged according to the customs and location of the burial. Cremation may be chosen instead of burial at no additional cost.
Asistencia Senior is designed to be as straightforward as possible — no health questions, no exclusions, no waiting periods.
65 years. Asistencia Senior is designed exclusively for those aged 65 and over. If you are under 65, Asistencia Familiar iPlus is the appropriate plan.
No maximum age. You can take out Asistencia Senior at any age from 65 onwards.
None. Cover is effective from the first day of the policy. This is one of the key advantages of Asistencia Senior over standard funeral insurance products.
Not excluded. No health declaration is required and pre-existing medical conditions do not affect eligibility or the scope of cover.
Single premium — one payment at the time of taking out the policy. No ongoing monthly or annual premiums. No surcharges for payment method or number of insured.
Worldwide. The policy is valid regardless of where the insured is located at the time of death — in Spain, visiting family, or travelling anywhere in the world.
Sanitas offers two funeral insurance products. Here is a clear comparison to help you choose the right one.
| Feature | Asistencia Senior | Asistencia Familiar iPlus |
|---|---|---|
| Who it's for | Ages 65+ | All ages (families) |
| Premium structure | Single one-off payment | Monthly or annual (mixed) |
| Waiting periods | None | 2 months (most cover) |
| Health declaration | Not required | Not required |
| Pre-existing conditions | Covered | Covered |
| Full funeral service | Included | Included |
| Repatriation for expats | Included | Included |
| Notarial expenses (will) | Included | Not included |
| Worldwide cover | Yes | Yes |
| Travel assistance (in life) | Not included | Up to €15,000 |
| Legal helpline (in life) | Not included | 24h helpline + €3,500 cover |
| Accident compensation | Not included | €12,000–€24,000 (ages 17–64) |
Common questions about Sanitas Asistencia Senior.
Fill in the form and a specialist will come back to you with your personalised quote. Not sure which plan is right? We'll help you choose. All enquiries are handled in English.
English-speaking advisors ready to help you choose the right plan. Free advice, no obligation.
Founded in 1954 and part of the Bupa Group since 1989, Sanitas is Spain's most recognised private health insurer — delivering Asistencia Senior through a specialist team available 24 hours a day, 365 days a year.