Dependency Insurance
Features of this insurance
Leading companies
Your peace of mind
Additional capital
Tax savings
This dependency insurance will help you cover the needs that may arise if you suffer from any physical or mental limitation that prevents you from performing the basic activities of daily living.
To access the insurance benefits, the degree of severe dependency or great dependency must be legally recognized. In that case, the insurance will provide you with very valuable financial assistance, both for you and your loved ones.
In a desperate situation, you will have access to an immediate lump sum of €2,000 to cover initial expenses, and later you will receive the insured capital based on your age. The insured capital will be higher the younger you are when the dependency is recognized.
Tax Advantages of Long-Term Care Insurance
As we mentioned earlier, long-term care insurance offers certain tax advantages similar to pension plans.
Therefore, if you take out this type of insurance, you can benefit when filing your income tax return, since the premiums paid, provided certain requirements and limits are met, can be deducted from the taxable base of your personal income tax (IRPF), and the benefit received will be taxed as employment income.
You can take out this insurance up to the age of 69 and you can renew it until you turn 84. In any case, if you have any questions, visit one of our offices and they will give you all the details.
Types of Dependency
In this case, severe dependency refers to a situation in which a person needs help two or three times a day to perform basic activities of daily living, but does not require the support of another person for their personal autonomy.
However, major dependency refers to a situation in which the insured person needs help to perform several basic activities of daily living and, due to the total loss of physical, mental, intellectual, or sensory autonomy, requires the continuous care of another person.
We will explain the amount of capital you can count on depending on the degree of dependency:
Insured Coverages
- Capital: from €15,000 to €100,000 depending on age
- Additional capital: €2,000
- Capital: from €30,000 to €200,000 depending on age
- Additional capital: €2,000
You can consult the terms and conditions of the insurance at any ABANCA branch.
Broker: ABANCA MEDIACIÓN, OPERADOR DE BANCA-SEGUROS VINCULADO S.L., a tied bancassurance operator, with registered office at Avenida de la Marina 1, 4th floor, A Coruña, and tax ID (CIF) B-70049630, registered in the Commercial Registry of A Coruña, Volume 3092, Folio 73, Sheet C-38698, and in the Special Administrative Register of Insurance Brokers of the Directorate-General for Insurance and Pension Funds under number OV-0044. Holds the professional civil liability insurance and the required financial capacity as stipulated by current insurance distribution regulations.
Insurer: CAJA DE SEGUROS REUNIDOS, CIA DE SEGUROS Y REASEGUROS, S.A. CASER, registered in the administrative register of insurance and reinsurance entities of the DGSFP under number C0031.
See the insurers with which the broker has an agency agreement.
Do you have questions? We have answers
Questions
Las coberturas que se explican en esta web se corresponden con unas determinadas pólizas que están en vigor ahora mismo. Estas condiciones pueden no ser las mismas que las de la póliza que hayas firmado tú en su día, o que las de la póliza que vayas a firmar en el futuro. En cualquier caso, el documento por el que te debes guiar para establecer la cobertura de cada seguro es el contrato que hayas firmado.
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La regla proporcional es una fórmula que se utiliza para calcular la indeminación que recibes en caso de un siniestro en los bienes que tienes asegurados. Esta regla se aplica cuando existe un infraseguro, es decir, cuando has asegurado el valor de tu vivienda o tus bienes por importe inferior a su valor real, por ejemplo, para pagar menos en tu cuota mensual por errar en el cálculo de los bienes asegurados.
Si se diese ese caso, se calcularía la indemnización teniendo en cuenta esa diferencia entre lo que has asegurado y el valor real de los bienes. Por ejemplo, si el valor real de tu vivienda es de 60.000 € y la has asegurado por 40.000 €, y en caso de siniestro solo se destruye la mitad, recibirás 20.000 € en lugar de 30.000 €.