Santander Insurance – All options

With Santander Insurance options, you have access to protection for every moment of your life.

Therefore, among the advantages, it is worth mentioning the possibility of monitoring the claim or activating assistance in a simple manner.

To do so, contact the call center at 0800 770 5030.

For those abroad, call +55 (11) 4689-5520.

So, get in touch any day or time.

So, read on to learn about this bank's insurance options.

Santander Transaction Insurance

With this insurance, you are protected against transactions made under physical threat from your checking account.

In other words, it includes situations of express kidnapping or assault followed by violence and threats that may force you to make a TEF, TED, or PIX.

However, the lack is 30 days.

Additionally, if a purchased product is stolen, you can receive a refund for purchases made with Pix. However, be aware that the refund period is 7 days.

In the case of coverage of “protected purchases” from Santander Insurance, there is no shortage.

Therefore, security is one of the main advantages of this type of insurance.

Furthermore, it is very practical because you can hire the service any day or time through the app.

As a result, you don't need to leave your home to hire protection.

Another positive point would be flexibility because you define the value of the coverage that is in line with your financial reality and lifestyle.

Hiring Santander Insurance Transactions

To hire, visit the insurance menu within the Santander app and tap on “transaction insurance”.

Then, set the coverage amounts and choose the payment method (credit card or debit from your account).

It's also worth mentioning that you have the freedom to run a simulation within the app before signing up.

This way, you can be sure that it is really worth getting insurance in your case.

In other words, please note that you must be an individual customer of the bank to access the service.

Therefore, if you are not yet a current account holder, open your account by clicking here.

Also, be aware that Santander Insurance transactions does not cover the following:

Transactions made outside the insurance validity period and losses resulting from fraud such as misleading the insured.

In addition to losses not directly related to coverage, such as devaluation of assets, delays of any kind, civil liability and lost profits.

It also does not cover fraud and indirect extortion, moral, bodily or aesthetic damages and unlawful acts committed by the insured, the beneficiary or the representative.

Finally, know that the validity The duration of this Santander Insurance is 12 months, with automatic renewal.

To cancel, you need to visit the app, followed by “insurance” and “insurance transactions”.

Then just tap “cancel”.

Home insurance

Among the advantages of this insurance, it is worth highlighting the exclusive assistance for pets.

Additionally, emergency service is available any day or time.

In addition, you only pay for the assistance and coverage you prefer.

Regarding installments, you can pay in up to 12 interest-free installments, and there are more than 50 types of services to include in the insurance.

This is because there are 7 modules with more than 50 assistance options and 10 coverages.

Finally, hiring is hassle-free, with no waiting period and takes just 3 minutes.

Santander Home Insurance Coverages

First, there is the coverage of water damage.

So if unexpected water damage occurs, you have access to protection.

Therefore, it is worth including the accumulation of water that causes collapse, an overflowing toilet tank, clogged or broken pipes and gutters, floods and floods.

However, be aware that this coverage does not include water damage caused by taps, doors or windows left open or forgotten, or infiltration.

And if solar energy short-circuits or lightning strikes and damages equipment or your home's electrical installation, there is coverage electrical damage from Santander Home Insurance.

In other words, you must take action if any electronic or electrical device, machine or electrical installation is damaged.

However, please be aware that the following is not covered:

• Components that require periodic replacement, such as heating elements, lamps and fuses;
• Damages or defects that pre-exist the beginning of the insurance term;
• Manufacturing defects, malfunction or intentional shutdown of the safety device or automatic controls;
• Damage caused by overloading due to improper use of equipment or property installations, such as connecting 110V equipment to a 220V socket.

Santander Home Insurance – Coverage for robbery or qualified theft / bicycle, scooter and skateboard 

With the coverage of robbery or qualified theft, protection is guaranteed if any type of trace is left.

The difference is that robbery involves threats or violence, whereas in qualified theft, there must be traces of the incident.

However, in both cases it is essential that they are registered in a police report.

Therefore, check out what this Santander Insurance coverage does not cover:

• Fraud, extortion or misappropriation;
• Disappearance of property without leaving any trace (simple theft);
• Robbery or theft committed with the participation of a family member or employee of the insured.

Fourthly, there is theft coverage. bicycle, scooter and skateboard.

Therefore, the service is valid whether the robbery or theft occurs inside or outside your home.

Therefore, the coverage does not cover exactly what was mentioned that is not covered in the robbery or qualified theft coverage.

Damages to third parties and employees 

About coverage of damage to third parties and employees With Santander Home Insurance, if you commit any act that causes bodily or material harm to a person, generating the responsibility to pay compensation to third parties or employees, you will be insured.

However, in the case of employees, please note that they must be working and have a proven employment relationship.

It is worth noting that even if your dependents or spouse cause harm, protection is guaranteed.

Therefore, even legal expenses, legal fees or costs of defeat are covered.

Likewise, accidents arising from the property are covered by Santander Insurance.

For example, if a tile on your house flies off in a gale and hits a car parked in your condominium, you don't need to worry.

However, for it to be considered an accident inside the property, it is important that you live in a condominium.

Therefore, check below what the coverage does not cover:

• Amounts arising from labor and criminal obligations, contractual obligations, fines, sanctions and bonds;
• Damages caused to the insured's employees, including day laborers, in addition to damages due to the exercise of professional activity by both the insured and his/her spouse and dependents living in the household.
• Damage to third-party property that was under the responsibility of the insured for safekeeping or custody – loss, extortion, robbery, simple or qualified theft and damage caused by pollution or contamination;
• Claims arising from the ownership, possession or use of cars of any nature occurring outside the insured property.

Fire damage / glass breakage / wind damage

Likewise, it is worth talking about the coverage of fire damage from Santander Home Insurance.

Therefore, if a fire damages your property or the smoke causes damage, you are protected.

It is even worth including damage caused by an explosion or lightning strike to the house.

Here, the bank does not take into account where the fire started.

However, the coverage does not cover risks and goods that are generally excluded from insurance.

If glass, marble, mirrors, granite or similar stones break accidentally due to temperature changes or thermal shock, there is coverage broken glass.

In this way, the bank covers the replacement value of the item without considering decorative or artistic attributes.

But, it does not cover any scratches or chips.

At the same time, the service of wind damage Santander Home Insurance protects you if strong winds or hail damage your home.

By strong wind, we mean cyclone, hurricane, or tornado.

Even if rainwater enters due to a roof or broken window, you are protected.

However, the following is not covered:

• Water damage unrelated to damage caused by strong winds or hail because to have this type of protection you need to take out specific coverage;
• Damage to fences, rainwater and sewage collection networks or expenses for unblocking them.

Santander Home Insurance – Land or Vehicle Damage / Rental Expenses 

And with the coverage of land or vehicle damage, if damage occurs to the property caused by collapse, vehicle impact or aircraft crashes, there is protection.

Therefore, it is worth including the total or partial collapse of a wall, beam, column, ceiling slab and division between floors, in such a way that it has impacted a motorcycle, truck or car, driven by third parties.

In real estate, coverage is valid for helicopter or plane crashes.

However, Santander Home Insurance's land or vehicle damage coverage does not cover the following:

• Misuse or lack of maintenance of the house and intentional structural overload;
• Damage caused by the insured or their family members, employees and any resident of the house;
• Collapse caused by the accumulation of water because to have this type of protection it is necessary to hire other coverage.

Finally, you don't have to worry about the rental expenses.

It is triggered if the property cannot be occupied due to an event covered by Santander Home Insurance, and causes loss or payment of rent or accommodation.

For example, if your house catches fire and you need to stay somewhere else.

In this sense, if you live in the house, you receive reimbursement for accommodation in a new place similar to your property or your rental expenses are covered.

If the property is rented, you receive the rent amount, limited to the contract value.

However, coverage does not cover rentals for a home that is unoccupied or disabled.

Questions about insurance

Which real estate not they are accepted?

Any property that has been unoccupied for more than 180 days, condemned, expropriated, prevented from being inhabited, notified or considered irregular by competent bodies.

For example, properties listed as world heritage sites, federal, state or municipal, used as collective housing, made of wood, combustible material or metal.

AND valid for which type of housing?

For residential, leisure or residential and work properties.

What are the payment options from Santander Insurance?

You can pay by direct debit or credit card, and you can pay in up to 12 installments.

Therefore, check out the following advantages, depending on the payment method chosen:

• 5% discount in 4x, 5x or 6x;
• 7% discount in 2x or 3x;
• 10% cash discount.

What is the term duration of insurance?

1 year, with renewal occurring automatically.

Therefore, if you do not express interest in canceling, with at least 15 days' notice through the channels, the bank will automatically renew the insurance.

I am tenant of a property, I can take out insurance Santander?

Yes.

Finally, remember that this is the same as homeowners insurance.

Therefore, “home insurance” is just another way of naming it.

And of course, insurance doesn't just cover houses. If you own an apartment, you can still take out insurance as usual.

Life insurance

The benefits are similar to the previous insurance.

Therefore, there is great convenience because service is offered at any time.

Additionally, choose the compensation amount you want and pay only for the services you need, as well as contract, consult, and activate directly through the app or through customer service channels.

So let us introduce you to the coverings from Santander Life Insurance:

Death coverage which is compensation for beneficiaries in the event of natural or accidental death.

As well as, with the permanent disability due to accident, compensation is guaranteed in the event of permanent consequences due to a personal accident.

Likewise, there is coverage of serious illnesses and procedures.

Therefore, you receive compensation in the event of a diagnosis of up to 10 types of serious illnesses or procedures.

And with the daily allowance for temporary absence at work due to an accident or illness, you receive compensation for the days you must be away.

As for the coverage accidental death bonus guarantees additional compensation for beneficiaries in the event of the insured's death due to an accident.

Assistance and contracting of Santander Life Insurance

Therefore, we must also talk about the assistance:

Firstly, the general telemedicine + specialists it is an emergency service.

In the case of general telemedicine, you can use it any day or time, as there is no usage limit.

To do this, go to this link or the Nav app and choose the “online exams and consultations” option.

As for specialist appointments, you have the freedom to schedule up to 4 per year.

Furthermore, there is the funeral assistance Santander Life Insurance, which provides financial support for funeral expenses and the transfer of the body in Brazil.

Likewise, assistance includes extension to spouse and children.

Therefore, please note that life insurance is not simply there to guarantee you a more peaceful future.

With this type of service, you also have protection for your daily life.

In that regard, hire accessing the bank's app or service channels.

Then choose a plan or build according to your needs.

Define coverage and assistance, as well as payment methods.

So, just review the information and finish.

Situations that Santander Life Insurance does not cover

Use of nuclear material for any purpose, including provoked or unprovoked nuclear explosion.

Such as radioactive contamination or exposure to ionizing nuclear radiation.

It is also worth mentioning that acts or operations in war, declared or not, of chemical or bacteriological warfare, are not covered.

Likewise, it is worth highlighting situations of civil war, revolution, guerrilla warfare, unrest, revolt, riot, sedition, uprising, terrorist acts or any other disturbance of public order and arising therefrom, except if it is the result of military service or acts of humanity.

Intentional unlawful acts committed by the insured, the beneficiary or the legal representative and premeditated and voluntary self-harm or attempts thereof also prevent the receipt of compensation from Santander Life Insurance.

In addition to suicide or attempted suicide, if it occurs within the first 2 years of the initial term of the contract.

Illnesses and injuries/personal accidents that insurance does not cover

Regarding the illnesses and damages that insurance does not cover, it is worth highlighting the following:

• Endemic diseases, pandemics and epidemics declared by a competent body, except COVID-19;
• Diseases, sequelae, accidents or injuries that pre-existed the inclusion of the insured in the insurance, which, despite the insured being aware of, were not declared in the membership proposal.

Regarding Santander Life Insurance coverage that includes personal accident, the following events are excluded:

A recognized dangerous act that is not motivated by a justified need and events caused solely by the insured's lack of a license to drive a vehicle.

Such as hurricanes, earthquakes, cyclones, tsunamis, volcanic eruptions and other types of natural convulsions.

Furthermore, illness resulting from insect bites or chronic exposure to gases and vapors does not guarantee compensation.

It is also worth including intoxication, poisoning or disturbance.

Only if this occurs due to the ingestion of medication prescribed by a doctor to treat a covered accident, is the Santander Life Insurance compensation valid.

Complication or incident that occurs during surgery, clinical treatment or examination, when not resulting from covered accidents.

Diseases regardless of their cause, including stroke and cosmetic damage or tooth loss.

Questions about life insurance 

Who is entitled to receive compensation of insurance?

This depends on the coverages that were contracted.

For example, in the event of permanent disability due to an accident, serious illness or family funeral, as well as when it is necessary to receive a daily allowance for temporary absence.

In all the above cases, the insured receives compensation.

However, in the event of the insured's death, beneficiaries receive compensation from Santander Life Insurance.

Only if no beneficiary is indicated by the insured will the legal heirs receive the amount.

Put how long the insurance is active?

You are protected for 3 years and after this period, the bank automatically renews the insurance.

However, if you do not wish to renew it, you must contact us through our customer service channels 15 days before the end date.

It's worth noting that it's through these channels that you make changes to your insurance, such as changing or adding beneficiaries.

Changes are also called endorsements.

Other questions

What is it franchise of Santander Insurance?

The deductible is only applied to daily coverage for temporary absence, corresponding to the period between the moment the unforeseen event (loss) occurs and the start date of daily coverage.

Therefore, the allowance is 7 days for self-employed workers and 15 days for CLT or public employees.

As a result, the 1st daily rate is paid from the 8th day for self-employed workers and the 16th day of absence for public employees or CLT employees.

For example, if a self-employed client suffers an accident that prevents them from returning to work for 30 days, they receive the amount corresponding to 23 daily allowances because the first 7 days are part of the deductible.

What is the lack of Santander Life Insurance?

90 days for cases of natural death.

For unforeseen accidents, there is no waiting period.

As consult the contract?

Check your email as soon as you complete your contract with the insurance company.

The document is also called “certificate”, and you can see all the information.

You can also access it through customer service channels or the bank's app.

Santander Personal Accident Insurance 

First of all, know that this insurance has a price that fits your budget.

This way, invest from R$1 per day.

Among the coverings, it is worth mentioning the following:

Accidental death and permanent disability due to accident.

In addition, there is coverage of rental of orthopedic devices due to accident.

Therefore, if you need orthopedic devices after an accident, you will be reimbursed for the rental cost.

There is also compensation for personal accidents involving complete fracture of one or more bones.

This is the coverage of fractured bones due to accident from Santander Insurance.

Finally, we must mention the coverage daily allowance for temporary absence due to accident.

Basically, it is compensation that serves to help with loss of income, in the event of temporary absence from work due to an accident.

Regarding assistance, there is the general telemedicine and the funeral assistance.

Like this, health discounts, whether in consultations, exams or medications.

To do this, use your TEM Saúde card at accredited networks. And if you have any questions, visit website.

It is worth noting that the assistance takes into account 4 other family members in addition to the insured (children and spouse).

Also, participate in monthly draws by the Federal Lottery, in the amount of compensation contracted with Santander Insurance for accidental death coverage.

Finally, be aware that in the event of suicide or attempted suicide, there will be a 2-year waiting period.

Common questions

What is the difference between life insurance and personal accident insurance?

These are two products with different objectives because life insurance aims to protect you from death from natural causes, diagnosis of serious illnesses, or sick leave.

Personal accident insurance has more specific coverage for accidents that result in permanent disability, without the need for time off work, fractures or even the rental of orthopedic devices.

In other words, it's for everyday unforeseen events, not to protect you in the future.

Here, it is worth mentioning that like Santander Life Insurance, this insurance is active for 3 years and renewal is done automatically.

Therefore, the deductible and waiting period work exactly as they do in life insurance.

Secure protected card

Among the main coverings of this insurance, it is worth mentioning the following:

Misuse which covers losses in case of misuse, caused by theft or loss of the card.

However, block your card within 48 hours to access this type of coverage.

To do this, access the Way app, Santander app or contact us by phone at 4004-3535.

The coverage of robbery after looting Santander Insurance guarantees you a refund within 8 hours of withdrawal.

As well as, with the protected bag, both the bag and any contents stolen along with the card are covered.

However, again it is essential to block the card within 48 hours.

Already the assistance are from a friendly driver and locksmith.

Despite this, be aware that the benefits change depending on the card.

For example, with university card insurance, day-to-day coverage is only available to university customers.

Debit card insurance is aimed at cards that are debit only.

Likewise, the essential card insurance covers misuse and up to R$1,040,000 of coverage for bags, backpacks and belongings when stolen along with the card.

The same goes for the plus card insurance, but the coverage is up to R$1,040,000.

Common questions about Santander Protected Card Insurance

The insurance covers the virtual card?

Since the online card is a mirror of the physical card, the insurance offers protection as long as the virtual card is registered in a digital wallet.

I went coerced and I had to when shopping with the card, is there any protection??

Yes, you can count on coverage for withdrawals or purchases under duress.

I already have insurance and I intend to increase the coverage amount, how to do it?

Cancel your current insurance and take out a new policy with the coverage you desire.

Finally, please note that in the case of the Unlimited card, the Santander Protected Card Insurance is free.

Santander Dentistry

The cost of this insurance is R$45.99 per person per month.

So, there are plans for you and your family, several specialties covered and more than 35 thousand care options across the country.

This means you are protected even if you are outside your city or state.

There is also a customer service center, where you can clarify any doubts at any time of day or night.

Regarding Santander Dental Insurance coverage, the following are worth mentioning:

• Basic orthodontic documentation;
• Child care;
• Simple in-office surgery;
• X-rays, including panoramic ones;
• Prevention, fluoride applications;
• Oral health guidance;
• Root canal, gum and extraction treatments;
• 24-hour emergencies;
• Consultations;
• Restorations and cleaning.

Santander auto insurance

Here, you have the freedom to compare the best insurance companies on the market and choose the ideal package for you.

Plus, pay for your insurance in up to 10 interest-free installments and receive assistance at any time.

Auto compare is another interesting benefit.

Basically, you answer a few questions, run an instant simulation, and receive different offers from the biggest insurance companies on the market all in one place.

Finally, compare and hire the best one for you.

Check out the Santander Auto Insurance packages below:

First, there is the full package which is ideal for those who don't want to have any worries.

It includes third party, fire, theft, robbery and collision protection coverage.

Therefore, it is a good alternative for customers who have new vehicles up to 10 years old.

Furthermore, there is the intermediate package which is suitable for more careful drivers who do not have a history of accidents.

It is also interesting for those who have a high-value or armored vehicle.

This provides protection for other people or vehicles if the insured is involved in an accident, in addition to protection against theft or robbery.

Thirdly, with the basic package, you have access to more affordable Santander Insurance.

Therefore, the main protection would be for other people and vehicles if you are involved in an accident.

In other words, the value of possible compensation is the responsibility of the insurer.

It is worth noting that it is an alternative for older vehicles, around 15 years old, which already have a low market value.

Common questions

I can hire another package Santander Auto Insurance?

However, if you are not satisfied with the packages, you are free to customize the insurance as you prefer (valid for intermediate and complete packages).

So, you choose between basic or executive assistance, change the coverage amount for material or bodily damage.

Likewise, choose the type of glass protection and increase or decrease the deductible value according to your financial situation.

What should I have on hand? to quote insurance?

Provide the bank with your full name, CPF, email, zip code, and information about your case, such as year, model, and license plate.

What is it FIPE table and how does it influence Santander Insurance?

It is a table that displays the average prices of a car based on its year and model.

Therefore, it serves as a basis for selling vehicles and determining the price of each one.

The table is updated every month and is published by the Economic Research Institute Foundation.

Furthermore, the table helps insurers determine the value of insurance.

However, don't worry, as other information is taken into account to determine the insurance value, such as region, condition of the car, color, and accessories.

Santander Travel Insurance

With this insurance, you have greater peace of mind when traveling, regardless of your destination.

So, check out the advantages:

• Additional services such as support in case of theft or loss of documents and luggage location;
• Support to answer questions about the destination, restaurants and hotels;
• Extensive accredited network for 24-hour assistance during your trip;
• 100% assistance in Portuguese, regardless of the country you are in;
• Online medical consultation available 24 hours a day during your trip.

Speaking about Santander Travel Insurance coverage and assistance, check out the following:

Travel protection

Return travel guarantee if it is impossible to return due to sudden and acute illness or personal accident.

In this way, the insurer guarantees reimbursement of expenses for any differences in fares between the ticket paid and the value of the rescheduled ticket, in economy class.

Like this, sanitary return, coverage that guarantees the provision of services or reimbursement of expenses if there is a personal accident or sudden illness that prevents the insured from continuing the trip, if he is unable to return as a regular passenger.

And with the early return of the holder Santander Insurance provides services or reimburses expenses related to an economy class airline ticket for the insured's return to Brazil.

This is guaranteed if the insured is unable to continue with the trip for pre-established reasons.

In the coverage of travel extension, there is reimbursement of expenses with fines, fare differences or amounts not reimbursed by the airline or tour operator due to extension of the travel period due to accident or illness.

Already in the coverage of trip cancellation, the insurer reimburses expenses for fines, tariff differences or amounts not reimbursed by the airline or tour operator.

Anyway, in case of flight delay or cancellation, with Santander Insurance, there is reimbursement of expenses that the company is not responsible for, such as:

Meals (without alcoholic beverages), accommodation, telephone calls, medical expenses (provided they are accompanied by a medical prescription) and taxis.

Coverage is valid for more than 4 consecutive hours from the scheduled departure time to boarding or flight cancellation.

But be aware that coverage is only guaranteed for the Mais plan.

Luggage protection

Through Santander Insurance, you can receive reimbursement for expenses incurred in connection with damage to your luggage and its contents, provided that the damage occurred under the responsibility of the transport company.

It is also essential that there are invoices for the goods and luggage.

However, this coverage (baggage damage), is only valid for the Mais plan.

And with the coverage of lost luggage, you receive compensation while you are under the airline's responsibility.

Finally, there is coverage of baggage delay.

This way, you receive a refund for the amount spent on food, personal hygiene products and clothing, related to the delay caused to your baggage, as long as it is the airline's responsibility.

Health protection

With the medical transfer With Santander Insurance, you can count on reimbursement of expenses for removal or transfer to the nearest clinic or hospital due to a personal accident or covered illness that occurred during your trip.

Likewise, it is worth highlighting the coverage of accommodation after hospital discharge.

Basically, you receive a large refund of hotel room rates immediately after discharge from the hospital if the medical teams at your location determine the need to extend your stay due to sudden and acute illness or a covered accident (occurring during your trip).

In the case of pharmaceutical expenses, receive reimbursement for the amount spent on purchasing essential medicines for dental or medical care (emergency).

Valid only in case of personal accidents or acute and sudden illness occurring during the trip.

About the physiotherapy while traveling, reimbursement of emergency expenses for physiotherapy sessions carried out to treat a covered personal accident is guaranteed through Santander Insurance.

However, it is essential that treatment begins during the trip.

To dental expenses, receive reimbursement for expenses under the guidance and prescription of a qualified professional, resulting from illness or personal accident that occurred only during the trip.

Finally, there is expense coverage medical and hospital.

Family protection

Payment of the insured capital contracted for coverage of accidental death of the policyholder.

Thus, the amount is received in the event of death while traveling, resulting from accidental causes, duly covered.

In the case of body transfer, expenses are reimbursed up to the burial site and a common coffin or funeral urn is provided, as defined by the Santander Insurance insurer.

Therefore, it is worth including the entire bureaucratic process for releasing the body, airfare and embalming.

However, reimbursement only occurs in the event of death due to a dubious illness or accident that occurred during the trip.

And if there is an accident that results in the total or partial permanent disability, compensation is received.

In other words, if a covered accident caused physical injury, loss, reduction or total permanent functional impotence of an organ or limb, there is coverage.

However, the accident must have occurred within the travel insurance period.

Regarding the benefits of companion accommodation, know that it is the provision of service or reimbursement of accommodation expenses in case of prolonged hospitalization of the insured.

However, the insured capital limit must be respected, starting after the 7th day of hospitalization, and up to a maximum of 5 days.

Already the visit to the hospitalized insured person Santander Insurance refers to the reimbursement of expenses in the event of prolonged hospitalization, but this time, when purchasing a round-trip air ticket for 1 companion.

However, the ticket is in economy class and is only offered in the event of sudden illness or covered personal accident.

As for the return of minors, airfare for children under 14 years of age is reimbursed if the insured is unable to continue their trip for pre-established reasons.

Again, the ticket is in economy class and will be for the minor's return to his/her residence in Brazil.

Anyway, it's worth talking about the return of up to 4 companions to your residence in the country, in the event of the insured's death.

That is, the insurer is responsible for purchasing economy class airline tickets.

Why take out Santander Travel Insurance?

Mainly for your safety and peace of mind in case of unforeseen events.

For example, if your trip is canceled, your flight is delayed, or your luggage is lost, you're covered at an affordable rate.

And speaking of affordability, some destinations like the USA have some of the most expensive medicine in the world, so with insurance, you avoid paying absurd amounts.

Another fundamental point is that certain destinations, such as Turkey and Greece, do not have public health care, while other countries (such as European ones) participate in the Schengen Agreement, making it mandatory for visitors to have insurance.

Regarding the hiring from Santander Insurance, access the app and tap on “insurance”, followed by “travel insurance”.

Then, define the destinations, the reason for the trip and the period.

Define the number of travelers and your preferred plan to finalize the information.

As a tip, it's a good idea to purchase insurance after you've defined your destination information, such as the number of people traveling, as well as the departure and return dates.

This makes it easier to decide which package is best for you.

Santander Travel Insurance Plans 

First, there is the national plan which is interesting for customers who will travel through Brazil.

For those who want to travel around South America, there is also a special plan, just as there is the Europe plan.

Already the World plan It is suitable for those who want to visit Oceania, Asia and North America.

Anyway, the student plan It is an excellent alternative for those who want to fulfill their dream of doing an exchange abroad.

Therefore, the coverage protects students who will be living abroad for up to 365 days and whose agencies or schools determine that Santander Insurance is mandatory.

Questions about travel insurance

What is the difference between travel insurance and health insurance?

Travel insurance is not health insurance because it is intended to cover travelers exclusively during the trip.

Therefore, we can include the journey, stay at your destination and return.

In this sense, emergencies that occur during the trip will be covered.

Otherwise, health insurance guarantees medical, hospital and outpatient assistance for elective, emergency and urgent care within a pre-defined territorial scope.

What the insurance company considers an emergency or urgency?

Any situation in which there is a need for immediate care due to the risk of death.

On the other hand, emergencies are understood to be personal accidents, acute complications and illnesses that require rapid treatment.

In this sense, any situation that does not fall under the emergency or urgency category is not covered, as this is not health insurance.

I can take out Santander Insurance even if you are not a Santander account holder?

Yes, but since a bank customer must take out the insurance, the bank will be responsible for the insurance's financial position.

Put how long Should I take out insurance?

For every day you will be traveling, from boarding to the defined destination, until disembarking at the destination of origin.

Additionally, if you prefer to extend your trip, you must renew your policy before the original policy expires, provided you are not undergoing medical treatment.

How do I prove that I have Santander Insurance?

Access the insurance policy available in the Santander app.

You will also receive the policy by email immediately after signing up.

It's also worth mentioning that you can purchase insurance just before your trip, while still in Brazil, and this insurance has no waiting period.

Finally, regarding cancellation, do it directly through the app or through the call center 4004-3535.

However, be aware that if you have taken out insurance for more than one person, you must cancel each policy individually.

Report a claim to Santander Insurance 

If you are a bank customer, access the claims portal and tap on “I have a password for the Santander app or internet banking”.

Then, enter your CPF and internet banking password.

Also, perform security validation to complete access.

Therefore, tell us what happened, how it happened, where, when and which insurance the incident refers to.

Be detailed regarding this information because it is essential for analyzing the claim.

Finally, confirm the coverage and policy you wish to activate.

This way, you will receive a confirmation email with a list of documents and a step-by-step guide to submitting them through the claims portal.

But, if you are not a bank customer, access the claims portal and tap “I don’t have a password”.

Enter your CPF and from then on, the process will be identical to the Santander Insurance claim reporting process for customers.

Then, tap “track claim” and define how you want to start access (as a customer with a password or as a non-customer).

A screen will then appear with the steps of the claim process and, next to it, colored dots indicating the status of each step:

• Gray – stage not started;
• Yellow – pending step;
• Green – step completed.