Health Insurance
Medical expense reimbursement insurance
These policies reimburse expenses, or part of them, incurred by the insured for doctors and hospitals due to illness or accident.
Healthcare assistance insurance
These are service-provision policies with an agreed medical network that the insured can use. This is the most common formula within private health insurance policies.
Health insurance coverage
Most health policies generally cover the following services:
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Primary care
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Specialist consultations
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Home or outpatient emergency care
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Hospitalizations for surgery or treatment
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Outpatient surgery
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Childbirth, caesarean section, or termination of pregnancy
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Rehabilitation sessions and much more.
The main advantages of private health insurance include:
Reduced waiting lists
Free choice of medical specialists
Faster diagnostic tests
No need to go through a GP first
Free choice of hospitals
In many of these policies, the insurer offers a telephone advice line.
Additional comfort during hospitalization for both patient and companion
Waiting Periods and Copayments
Most health policies generally cover the following services:
Waiting Periods
When a benefit has a waiting period of “x” months, this means the insured cannot use that benefit until that period has passed from the date the policy takes effect.
Copayment
The copayment is the fixed amount established in the policy that the insured pays each time they use an insured service.
Taking out health insurance
Having private health insurance means access to doctors of your choice, without waiting lists, and the peace of mind of knowing you will be cared for when you need it. Not only for you, but also for your family. We advise you on choosing the medical network, coverage (including hospitalization, diagnostic tests, maternity, or dental health), and the balance between price and quality. An important decision deserves to be made well.
Group health insurance
Group health insurance policies are taken out by a policyholder to cover several insured persons. Each insured person receives an individual insurance certificate containing the specific terms of the master policy. Group insurance rates are much more economical than individual insurance rates.
Sick leave insurance
Sick leave insurance is also a health-related insurance product within illness insurance. The objective of these policies is not to provide healthcare services, but to compensate for the loss of income suffered by the insured during medical leave.
Request personalized advice
We can help you find insurance tailored to your activity, risk level, and coverage needs.
Leave us your details and we will contact you
Tell us what type of insurance you need and we will prepare a tailored proposal.
Tel: +34 917 03 02 00
Address: C/ Comandante Azcárraga, 7 – 1º – 28016 Madrid
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