Unless otherwise agreed, the following waiting periods are established for each of the guarantees:

1. For the guarantees covering burial, transfers and travel assistance, complementary family services, educational assistance and repatriation, a period of 20 days is established from the date the insured party is included on the policy.
2. For the guarantee regarding daily hospitalisation allowance, the following waiting periods are established, unless otherwise agreed:
   • Three months from the effective date of this guarantee for the affected insured party, as established in the Specific Terms and Conditions, except for medical prescriptions.
   • In the case of pregnancy and childbirth, regardless of the terms set out in the previous paragraph, the waiting period will be eight months from the date on which this guarantee is registered for the affected insured party, as indicated in the Specific Terms and Conditions.
3. Waiting periods shall automatically be waived in the event that the claim is the result of an accident.
4. Waiting periods will be automatically set at one year if the claim is the result of a suicide.

Yes, the age limit set in the General Terms and Conditions is 99.

Yes. As long as you are up to date with your insurance payments, you will have the peace of mind that comes with knowing you are insured and you won’t leave your family with any loose ends.

• Burial management and expenses: recommended amount according to the insured party’s place of residence, which can be reduced by 10% and increased by taking out Additional Capital for Extraordinary Services (up to doubling the recommended lump sum, with a maximum of € 9,000 in total - recommended amount plus additional).
• Death/Disability by Accident (Level and Mixed): Choice of lump sum. €10,000, €20,000 or €30,000€, for each guarantee.
• Daily hospitalisation allowance (level and mixed): Choice of daily allowance, €10, €30 or €50.

Lump sums can be revalued at 3%, at the policy holder’s request.

Yes, and we strongly recommend you do so. Funeral cover includes a guarantee for transfers, and this guarantee applies to the policy regardless of the number of people insured by it, so the policy will be more economical if the whole family is included.