When we talk about burial insurance it is easy to focus the subject, covering the funeral expenses of the insured 's death.
So that does not seem complicated, but these "funeral expenses" include a very extensive list of products and services around the funeral, both pre and post. All policies include certain basic coverages , and some electives such as the provision of those funeral services, administrative procedures, legal assistance and psychological help, but there is one aspect that has shades. Let's talk this time the type of burial . We try to shed some light on a topic somewhat bleak.
Because, logically, it costs the same burial in a tomb that in a niche wall in a columbarium that in a vault or in a vault . Also it assumes the same incinerate or not a corpse. So, depending on the price of burial - and hedges that we contratado- some are fully covered by insurance, others partially and the last, the most expensive, usually paid privately by the family of the deceased.
Finished the introduction, let's look at the options that are offered for the "eternal rest".
Tombs, niches, mausoleums and columbaria
We begin by offering some definition. We all have more or less clear what a tomb, a niche and a pantheon, but ... what is a columbarium? It is a word that comes from the Roman era, which calls the "niches for urns with ashes" differs from the graves, and like niches in which are built above ground.
Typically, columbarium and niches, simpler architectural models, are the modalities of cheaper burial, followed by the graves and, of course, the kings of the cemetery: the pantheons, the cost can even shoot up hundreds of thousands of euros. This latter form has been that traditionally prominent public figures, influential families, etc. Even after death, the rest of the inhabitants of the cemetery.
Death insurance usually cover a unit of temporary burial , usually niche, although in some cases, and depending on the locality where the burial takes place, the timing may not be such, and reach 99 years. Typically , the body of the deceased remain for a decade in the grave or the corresponding niche before proceeding to what technically called reduction remains , and relocating them at that time the family is informed and expenses are assumed by relatives, then they fall outside the coverage of the policy initially contracted.
Logically, and to avoid this situation, you can purchase a unit of burial which can accommodate several bodies and avoid the issue discussed, but this is a decision for families and is outside the scope of the policy of deaths.
As for cremations, the insurance covers that we hire and the funeral urn in which the ashes are stored, and the unit proper burial for that situation and called columbarium.
In addition, the burial units need to be closed and adorned with so - called tombstones , and have served for today's marmolistas continue working this noble material, though not always marble and synthetic materials have been imposed. Like the other services and elements of the funeral service, they are covered by the insurance policy, in some cases limitations should know, because usually cover element normal use in the area, and usually referred to niches . Tombs and mausoleums, which are usually privately owned and family are out of range.
Space Awards
The time is important even beyond life as we also inform us of the period for which you can get the grant of a funeral space. Most often in the case of the niches can be 10 years. And, keep in mind that some types of units burial is possible to obtain a second concession expired after the first. But this is already a question that corresponds to the bylaws of each locality or cemeteries rather than insurers.
Capital insured, optional and additional covers, name of the insurance company and the funeral in which trust, unit chosen burial law ... Many factors come into play in this area, so the options we have at our disposal they are almost as many as there are letters this post. We only hope, as we said before, have shed some light in this dark world of the deaths so that you may choose either a matter not unpleasant no longer necessary to know, but trusting this matter to an insurer we will avoid having to know details and suffer disadvantages arising from a complex process and unpleasant.
So that does not seem complicated, but these "funeral expenses" include a very extensive list of products and services around the funeral, both pre and post. All policies include certain basic coverages , and some electives such as the provision of those funeral services, administrative procedures, legal assistance and psychological help, but there is one aspect that has shades. Let's talk this time the type of burial . We try to shed some light on a topic somewhat bleak.
Because, logically, it costs the same burial in a tomb that in a niche wall in a columbarium that in a vault or in a vault . Also it assumes the same incinerate or not a corpse. So, depending on the price of burial - and hedges that we contratado- some are fully covered by insurance, others partially and the last, the most expensive, usually paid privately by the family of the deceased.
Finished the introduction, let's look at the options that are offered for the "eternal rest".
Tombs, niches, mausoleums and columbaria
We begin by offering some definition. We all have more or less clear what a tomb, a niche and a pantheon, but ... what is a columbarium? It is a word that comes from the Roman era, which calls the "niches for urns with ashes" differs from the graves, and like niches in which are built above ground.
Typically, columbarium and niches, simpler architectural models, are the modalities of cheaper burial, followed by the graves and, of course, the kings of the cemetery: the pantheons, the cost can even shoot up hundreds of thousands of euros. This latter form has been that traditionally prominent public figures, influential families, etc. Even after death, the rest of the inhabitants of the cemetery.
Death insurance usually cover a unit of temporary burial , usually niche, although in some cases, and depending on the locality where the burial takes place, the timing may not be such, and reach 99 years. Typically , the body of the deceased remain for a decade in the grave or the corresponding niche before proceeding to what technically called reduction remains , and relocating them at that time the family is informed and expenses are assumed by relatives, then they fall outside the coverage of the policy initially contracted.
Logically, and to avoid this situation, you can purchase a unit of burial which can accommodate several bodies and avoid the issue discussed, but this is a decision for families and is outside the scope of the policy of deaths.
As for cremations, the insurance covers that we hire and the funeral urn in which the ashes are stored, and the unit proper burial for that situation and called columbarium.
In addition, the burial units need to be closed and adorned with so - called tombstones , and have served for today's marmolistas continue working this noble material, though not always marble and synthetic materials have been imposed. Like the other services and elements of the funeral service, they are covered by the insurance policy, in some cases limitations should know, because usually cover element normal use in the area, and usually referred to niches . Tombs and mausoleums, which are usually privately owned and family are out of range.
Space Awards
The time is important even beyond life as we also inform us of the period for which you can get the grant of a funeral space. Most often in the case of the niches can be 10 years. And, keep in mind that some types of units burial is possible to obtain a second concession expired after the first. But this is already a question that corresponds to the bylaws of each locality or cemeteries rather than insurers.
Capital insured, optional and additional covers, name of the insurance company and the funeral in which trust, unit chosen burial law ... Many factors come into play in this area, so the options we have at our disposal they are almost as many as there are letters this post. We only hope, as we said before, have shed some light in this dark world of the deaths so that you may choose either a matter not unpleasant no longer necessary to know, but trusting this matter to an insurer we will avoid having to know details and suffer disadvantages arising from a complex process and unpleasant.