Insurer profile
OCASO, S.A. Compañía de Seguros y Reaseguros
Ocaso is one of Spain's oldest and most recognised independent insurance companies, founded in 1920. It is a market leader in funeral expense (decesos) insurance and also offers home, life, health, accident, travel, pet, community, business, savings, and investment products through a nationwide network of over 400 offices and more than 30,000 agents and employees.
Source- Legal entity
- OCASO, S.A. Compañía de Seguros y Reaseguros
- Headquarters
- Madrid, Spain
- Regulator
- Directorate General of Insurance and Pension Funds (DGSFP) — registered as Ocaso, S.A. Compañía de Seguros y Reaseguros, register number C0133
- Phone
- +34 900 32 00 32
- ocaso@ocaso.es
- Founded
- 1920
- Last verified
- Jul 15, 2026
Products from OCASO, S.A. Compañía de Seguros y Reaseguros
property
Home Insurance
Multi-risk home insurance covering damage, theft, fire, weather events and home assistance, available in multiple tiers (Essential, Plus, Senior, Premium).
other
Funeral Expense Insurance (Decesos Integral)
Comprehensive funeral expense insurance covering all funeral costs, repatriation, administrative procedures, and daily life assistance services for the insured.
other
Senior Funeral Expense Insurance (Oro Senior)
Funeral expense insurance specifically designed for people aged 71–79, combining a single and level premium payment structure.
life
Life Insurance (Vida Directo / Multivida / Vida Express)
Life insurance products providing financial protection to beneficiaries in the event of the insured's death or permanent disability, available in three modalities.
health
Health Insurance (via ASISA)
Health insurance products commercialised by Ocaso through its distribution agreement with ASISA, providing access to medical centres, specialists, and diagnostics.
health
Accident Insurance
Personal accident insurance covering death, permanent disability and medical expenses from accidents; available in Express, Women, and Self-Employed modalities.
travel
Travel Insurance
International travel insurance including 24-hour medical assistance, repatriation, baggage location, and trip cancellation coverage.
pet
Pet Insurance (Animals)
Pet insurance covering veterinary expenses, civil liability for damage caused by pets, and cremation service upon the pet's death.
property
Communities Insurance (Homeowners Association)
Insurance for residential communities and homeowners associations covering material damage, civil liability, legal defence and building assistance.
property
SME Business Insurance (PYME)
Commercial insurance for small and medium-sized enterprises covering property damage, liability and business continuity.
property
Commerce Insurance
Insurance for shops and offices covering material damage, theft, civil liability and business interruption.
financial
Guaranteed Savings Insurance (Ahorro Garantizado)
Guaranteed savings products (Flexible, Superplan, Infantil) offering capital preservation with a guaranteed interest rate, suitable for medium-term savings goals.
financial
Investment Insurance (Fondvida / PIAS)
Unit-linked investment insurance products (Fondvida and Futuro PIAS) allowing policyholders to invest in a basket of funds with variable risk profile.
life
Retirement Savings Plan (Jubilación PPA)
Assured Pension Plan (PPA) providing guaranteed capital growth and immediate income tax deductions to help policyholders plan for retirement.
other
Recreational Boat Insurance (Embarcaciones)
Insurance for recreational boats covering civil liability, damage to the vessel, theft, and maritime assistance.
liability
Hunter's Insurance (Cazador)
Insurance for hunters covering civil liability for damage caused to third parties during hunting activities.
liability
Professional Civil Liability Insurance (RC Profesional)
Professional liability insurance covering damages caused to third parties in the course of professional activities.
motor
Car Insurance – Ocaso Auto
Comprehensive motor insurance offering multiple cover levels to protect the vehicle and its occupants.
Regulatory updates
Ocaso is actively supervised by the DGSFP and appears in its 2024 annual claims service report among the major insurers monitored. The DGSFP resumed publishing sanctions in 2025 after the registry was offline in 2024; no specific sanctions against Ocaso were identified. AM Best has affirmed Ocaso's Financial Strength Rating of A (Excellent) and Long-Term Issuer Credit Rating of 'a+' (Excellent) with a stable outlook, reflecting its strong balance sheet and underwriting performance.
Reputation and reviews
Verified offer pages
Travel insurance
OCASO is a travel insurance for the ES market with no online purchase and 24/7 assistance.
Last verified Jul 15, 2026