Add-on
Accidental Death
from €4,31 / month per person
A lump sum of €30,000 or €60,000 if you die or are left permanently disabled as the result of an accident.
What does the Sanitas Accidental Death add-on cover?
Sanitas Accidental Death is an optional add-on that pays a lump sum of €30,000 or €60,000 if an accident causes your death or permanent disability. It costs from €4,31 a month per person, depending on the cover level and your occupation. It can be taken out from age 18 to 65, with no waiting periods.
HealthPlan Spain is an authorised Sanitas agent (agent code 22395) in Marbella that arranges Sanitas policies and add-ons in English, at the same price as buying direct from Sanitas.
The accidental death add-on - Sanitas's accident cover - pays a lump sum of €30,000 or €60,000 if you die or are left permanently disabled as the result of an accident. You choose the level of cover when you apply: €30,000 (from €4,31/month) or €60,000 (from €8,63/month).
In the event of death, the lump sum is paid to your chosen beneficiaries (or, if you name none, to your spouse and children). If an accident leaves you permanently disabled, the payment is made to you - the full sum for total permanent disability, or a percentage of it for partial permanent disability, set by a fixed scale.
It is paid as a cash sum on top of your normal health cover - to use however your family needs, not tied to medical bills. There are no waiting periods, so you are covered from day one.
How to add it: Choose your cover level (€30,000 or €60,000) at the application or renewal stage. It is taken out individually, so you can choose which insured people have it. It can be added from age 18 up to 65.
Sanitas Accidental Death add-on at a glance
- Lump sum: Sanitas Accidental Death add-on pays a lump sum of €30,000 or €60,000 if an accident causes death or permanent disability.
- Who is paid: Sanitas Accidental Death add-on pays the lump sum to the chosen beneficiaries on death, or to the insured person on permanent disability.
- Disability: Sanitas Accidental Death add-on pays the full sum for total permanent disability and a percentage, set by a fixed scale, for partial permanent disability.
- Waiting periods: Sanitas Accidental Death add-on has no waiting periods, so cover starts from the first day.
- Age limits: Sanitas Accidental Death add-on can be taken out from age 18 to 65, with cover continuing up to age 70.
- Chosen per person: Sanitas Accidental Death add-on is taken out individually and does not have to be added for everyone on the policy.
- What counts as an accident: Sanitas Accidental Death add-on defines an accident as a bodily injury caused by a sudden, violent, external event beyond the insured person's control.
What changes by plan
- Optional on Sanitas Mas Salud, Mas Salud Plus, Mas Salud Optima, Mas Salud Family, Professional, Professional Plus, Premium 500, Mas 90, Mas 90 Plus, Students, Accede, Avanza and Residents Visa: €30,000 at €4,31 or €60,000 at €8,63 a month per person, for ages 18 to 65, chosen per person.
- Sanitas Professional includes funeral cover after a fatal accident, up to €5,250 per person, as standard; Sanitas Professional Plus does not.
- Not offered on Sanitas Top Quantum or Sanitas Unico.
Important information
Cover levels
A lump sum of €30,000 (from €4,31/month) or €60,000 (from €8,63/month) - the premium also depends on your occupation.
What it pays for
Death, or permanent disability (total or partial), caused by an accident.
Who receives it
On death, your chosen beneficiaries; on permanent disability, you.
Eligibility
Available to take out from age 18 to 65, with cover continuing up to age 70. Medical history is assessed by an underwriter.
Waiting periods
None - you are covered from the very first day.
Individual cover
Taken out individually, so it does not have to be added for everyone on the policy.
What counts as an accident, and what is excluded
An accident is a bodily injury caused by a sudden, violent, external event beyond your control. For the death benefit, the death must follow within two years of the accident.
Not covered
- Accidents during notoriously dangerous or reckless acts
- Bets, challenges or fights - except proven self-defence or an attempted rescue
- The general exclusions set out in your main policy conditions
Accidental Death frequently asked questions
How much does it pay out?
A lump sum of €30,000 or €60,000, depending on the level you choose.
What does it pay out for?
Death, or permanent disability, caused by an accident. On death the lump sum goes to your chosen beneficiaries; for permanent disability it is paid to you.
How is permanent disability paid?
Permanent total disability - such as complete, incurable paralysis or absolute blindness - pays the full insured capital. Permanent partial disability pays a percentage of it, set by a fixed scale according to the injury.
What counts as an accident?
A bodily injury caused by a sudden, violent, external event beyond your control. For the death benefit, the death must follow within two years of the accident.
Who is eligible for the accidental death option?
Anyone aged 18 to 65 can take it out, and the cover can continue up to age 70. Pre-existing conditions and medical history are assessed by an underwriter before it is added.
Does the price depend on my job?
Yes. The premium depends on the cover level you choose and your occupation, as some jobs carry more risk than others.
Can I choose who has it on my policy?
Yes. It is taken out individually, so on a policy with more than one person you can choose who has the cover.
Are there any waiting periods?
No - the cover starts from day one.
Isn't accident cover already included on some plans?
Some plans include a small death-from-accident guarantee as standard: for example the self-employed Sanitas Professional plan includes funeral cover up to €5,250 per person, while Sanitas Professional Plus does not. This optional cover provides a much larger lump sum of €30,000 or €60,000.
Why should I consider adding it?
To protect your family against the unexpected - a lump sum of €30,000 or €60,000 can make a real difference if the worst happens.
How do I add it?
Choose your cover level as an add-on when you complete the online application form, or add it at renewal.
What does the Sanitas Accidental Death add-on not cover?
Sanitas Accidental Death add-on does not cover accidents during notoriously dangerous or reckless acts, or accidents in bets, challenges or fights, except proven self-defence or an attempted rescue. The general exclusions in the main policy conditions also apply. For the death benefit, the death must follow within two years of the accident.
Who receives the Sanitas Accidental Death lump sum if no beneficiary is named?
Sanitas Accidental Death add-on pays the death benefit to the chosen beneficiaries. If no beneficiary is named, the lump sum goes to the spouse and children. The sum is paid as cash on top of the normal health cover, to use however the family needs, and is not tied to medical bills.
How much does the Sanitas Accidental Death add-on cost?
Sanitas Accidental Death costs from €4,31 a month per person for €30,000 of cover, or from €8,63 a month for €60,000. The premium also depends on your occupation. It is taken out individually, so you pay only for the people who have it.
Does Sanitas Accidental Death pay out if death is caused by illness?
No. Sanitas Accidental Death pays only when death or permanent disability is caused by an accident. An accident means a bodily injury caused by a sudden, violent, external event beyond your control. For the death benefit, the death must follow within two years of the accident.
Which Sanitas plans can I add Accidental Death to?
Sanitas Accidental Death can be added to Sanitas Mas Salud, Mas Salud Plus, Mas Salud Optima, Mas Salud Family, Professional and Professional Plus. It can also be added to Sanitas Premium 500, Mas 90, Mas 90 Plus, Students, Accede, Avanza and Residents Visa. It is not offered on Sanitas Top Quantum or Sanitas Unico.
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