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Caixa Manlleu promotes its insurance unit that is becoming popular in Spain, and increasingly offering entities.

The Caixa Manlleu unit allows the insured to obtain an annuity and a single additional capital in the event of at-Large Unit or Unit Severa.

To hire this product, you must be between 18 and 74 years, then we offer some important aspects for those who are interested are as follows.

Annuity, in order to finance a home help, residential treatment or a specialist. This income is updated annually for the duration of insurance, including the recovery period of the annuity.

Capital only: first a capital expenditure to meet the new situation from the start, the equivalent of 5 times the income and well chosen for the situation of high dependency unit and Severa.

Flexibility: a choice between an annuity of at least 300 € and up to 1,500 €, in tranches of € 100 will receive in case of high dependency, and that is half in case of Severe Unit.

Taxation: All premiums are deductible from taxable personal income tax in compliance with the ceilings set of inputs to different social systems:

* € 10,000 or 30% of the base (under 50 years)
*

€ 12,500 or 50% of the base (for adults over 50 years)

As for the monthly premiums, they will be fixed throughout the lifetime of the product.

Caja Navarra has among its range of products, life insurance in addition to ensuring that its future, the possibility of charging a daily amount in case of accident or sick leave.

This life insurance for the self-CAN with three modalities, may be engaged in any of the offices of the institution and cover all cases of death and permanent total disability from any cause. Moreover, according to the method chosen may double or triple the sum insured.

Here we provide the options calculated to a daily allowance of 40 €.

* Women: 40 years. € 60,000 sum insured

Basic guarantee, warranty in case of death or disability from any cause.

€ 38.63 monthly premium.

* Women: 40 years. € 60,000 sum insured.

DOUBLE GUARANTEE: Warranty Basic warranty in case of death or disability
accident.

€ 44.53 monthly premium.

* Women: 40 years. € 60,000 sum insured.

TRIPLE GUARANTEE: Guarantee Basic Double Warranty on death or disability by accident.

€ 47.90 monthly premium.

* Men 30 years. € 60,000 sum insured

BASIC WARRANTY: Guarantee in case of death or disability from any cause.

€ 49.89 monthly

* Men 30 years. € 60,000 sum insured

DOUBLE GUARANTEE: Warranty Basic warranty in case of death or disability
accident.

€ 55.79 monthly premium.

* Men 30 years. € 60,000 sum insured

TRIPLE GUARANTEE: Guarantee Basic Double Warranty on death or disability by accident.

Allianz Health, offers a wide range of products, but has added to its service offering a very interesting product, which is increasingly popular in Spain.

One of the problems many couples face is the inability to conceive children, thus offering a Allianz Health Human Assisted Reproduction and Adoption.

In addition to its coverage of Pregnancy and Childbirth, has added to its portfolio of innovative features, the diagnosis of infertility, artificial insemination, in vitro fertilization and adoption nationally and internationally.

* Artificial Insemination

Allianz Health offers the means to perform artificial insemination, whether medical evidence and acts.

* In Vitro Fertilization

The policy of Allianz Health care solutions is to conduct process.

* Adoption

One thing we should bear in mind is that Spain is the first country in number of international adoptions, so today the adoption is a viable method to accomplish. However, there are an enormous amount of paperwork that must be overcome, and Allianz Health can be an alternative.

In today’s market there is a wide range of insurance. These include a type of insurance that can protect the students against any kind of unforeseen event that may arise during a journey through language courses, field work, a master, a

nd so on.

They have extensive insurance coverage anywhere in the world and can find great discounts on groups

larger than five people. In general we find two types of rules:

1. Policies aimed at students who must travel for reasons related to their academic work (travel to rae, hiking).

2. Policies designed to cover those who are to perform an advanced course or a postgraduate language abroad.

Premiums vary, depending on the type, duration and destination of the trip, and have an approximate cost of 4 Euros and 10 Euros per day.

There are currently several companies that offer this product, including:
1 – European Insurance:

European School for students, teachers and parents. Its coverage is specific to camping, hiking, trips to progress. The coverage is very broad and covers issues of:

* Deterioration of hotels and buses
* Luggage
* Medical expenses and relocation of two families in the event of hospitalization and repatriation of the student
* Expenses incurred by the replacement of the teacher
* The cost for a round trip of 12 days between € 11.47 and € 34.78.

European Languages: for students who do travel in connection with a master or language courses. In this case the coverage is more specific, and contains:

* Medical expenses,
* Baggage costs
* Displacement of two families in the event of accident or illness
* Incorporates aspects such as delays by the delay or cancellation of transportation and compensation for loss of classes due to illness and accidente.Es the latter case for a tour of 24 days the cost is between € 41.60 (Spain and Europe) and € 94.15 (rest of world).

2 – Europe Asistance

This company is marketing an insurance policy called the Practice and Study Abroad, which will be tailored to the needs of each student.

It is worth bearing in mind the so-called trip cancellation insurance. There are many travel agencies that offer substantial discounts if the travel was hired several months in advance, but that happens in the event of having an unexpected time to travel and had to cancel the trip (death, illness or family own Transferred for work, etc.). you can lose everything paid. In these cases, this policy compensates users who could not make the trip, in addition to cover the cancellation charge and management agencies. Their cost ranges from € 15 to € 25

Anyway. Insurance is important for two reasons: to cover contingencies and emergencies, in many cases, and if happens, would mean a significant expense that are not always able to cope.