Health insurance

Anyone who is resident in Spain or spends extended periods of time in Spain. It is essential for those non Spanish nationals seeking to obtain a visa or Spanish residency.

There are different types of insurance tailored to our clients’ different needs:

SPAIN

Option 1;

Medical directory. This is the basic option, provided by Spain's leading private healthcare providers, whereby the client has access to an approved panel of doctors, specialists, diagnostic procedures and hospitals. The client simply hands over his membership card, and the health provider invoices the Insurer directly.

Coverage on this basis is generally restricted to Spain, although our proposals include emergency coverage abroad. This makes it ideal for those on a tight budget who do not travel very often.

Option 2;

Reimbursement. ou are left with a completely free choice (subject to the territorial limits of your policy) as to the health care provider you wish to use. You simply receive the treatment, (in certain cases subject to prior approval from the Insurer), pay the healthcare provider, and submit the invoice to your Insurer to reimbursement.

Spanish providers will often provide this in conjunction with the approved panel scheme, leaving the client to choose between both options. In most cases the amount reimbursed tends to be either 80% or 90% depending on where the treatment was received and the policy terms.

UK providers offering this scheme tend to offer full reimbursement subject to a small excess on certain types of claims, or a cumulative excess per Insured and policy year.

INTERNATIONAL

Tailored for those with homes in different countries and who want access to the best healthcare available in each of them through a reimbursement arrangement with limits as high as €8 million.

The levels of coverage and their thresholds will vary from one insurer and one plan to another; however, most policies follow these standards:

• Primary care and 24-hour emergency care. 
• Medical specialities.
• Hospitalisation and surgery.
• Diagnostic tests. 
• Therapeutic methods.
• Dental care.
• Medical assistance in the event of a work-related or traffic accident. 
• Complementary cover: 
  • Assisted reproduction
  • Health programmes and preventive medicine. 
  • Family planning: IUDs (up to €120) and their fitting, tubal ligation and vasectomies. 
  • Psychology. 
  • Prosthetics. 
• Reimbursement of the costs of storing the umbilical cord for the first six years. 
• Reimbursement of medication expenses. 
• Worldwide travel assistance in emergencies in the case of trips of under 180 days, limited to €20,000 per insured party and year. 
• App-based healthcare services and medical hotlines, second medical opinion in the event of serious illness and telemedicine services with general practitioners and specialists. 

This is an add-on product to the healthcare policy for women. This product guarantees a pay-out of €30,000 if breast cancer is detected in a medical diagnosis. Unlike other insurance policies, the insurance cover is applicable from the initial or basic stage of the disease (known as "carcinoma in situ").

Taking out a policy is easy and fast. The annual premium depends on your age; from €56.60 per annum, you can choose to LIVE in capital letters, looking after yourself and your loved ones. 

It is an extra on your health insurance and can also be taken out on its own.

You can request more information here.

The medical assistance policies do not have an upper threshold. 

The reimbursement policies are capped at between 80% and 90% in Spain and abroad. The annual global thresholds range from €60,000 gross per annum for the basic policy to €650,000 per annum.

Close relationships with the most important Spanish and international operators.

We have many years of experience offering health insurance.

As an independent insurance broker, we have been providing our clients with our expertise and advice for over 40 years. Our longstanding relationships with Europe’s leading Insurers, coupled with our experience enable us to find and recommend the best insurance solution, and as a result our business has grown over the years thanks to satisfied clients who come to us by recommendation.

You can leave us your contact details on the form for us to telephone you, or you can call or write to us directly and tell us what you need. We will be happy to help you and protect what you most care about.