HEALTH
INSURANCE IN SPAIN

This is a common question from our clients, because they are used to expecting a cap from health insurers. There IS NO MAXIMUM HEALTH COVER and yes, it exceeds most health insurance products on the market. This health insurance does not put a cap on the cost of patient treatments, so you will always be covered without interruption, regardless of the cost. This cover is closely modelled on the original National Health Service philosophy, where your health cover is comprehensive and limitless, and the attention you receive is determined by the criteria of the doctors who treat you, not by the cost of the services. There is no cap or maximum amount after which you lose your cover. If you fall ill, you will have access to all the diagnostics, treatments, and medical attention you need. Regardless of how expensive these might turn out to be, this health insurance will always cover them.

Yes, but with faster access to care (no waiting lists) as well as the typical luxuries you might expect from private healthcare (such as a private hospital room with en-suite bathroom if you are hospitalised), the option of online appointments and even home visits, if required. Not only does this health insurance provider offer health insurance, it also owns the largest network of private health facilities across Spain, which is another distinct benefit of choosing this health cover above other well known Spanish health insurers.

Yes! This cover has been running for 3 years and has a 100% success rate with Spanish Embassies and consulates, having helped thousands of our clients with their Spanish visas already. As required by the Spanish government, the service is paid in advance, has no copays, no wait period, no cover limit and repatriation in case of serious illness or death. It can also be used for residency applications. You will usually receive all the documentation you need within 24 working hours following receipt of payment by email. Please note this excludes weekends and Spanish bank holidays. If your visa is rejected, you will be able to request a refund for the entire amount paid, by providing proof (Showing the rejection letter issued by the Spanish Consulate). A de-registration fee equivalent to 100 euros will be charged to cover the administrative costs.

This is a common question from our clients, because they are used to expecting a cap from health insurers. There IS NO MAXIMUM HEALTH COVER and yes, it exceeds most health insurance products on the market. This health cover does not put a cap on the cost of patient treatments, so you will always be covered without interruption, regardless of the cost. This cover is closely modelled on the original National Health Service philosophy, where your health cover is comprehensive and limitless, and the attention you receive is determined by the criteria of the doctors who treat you, not by the cost of the services. There is no cap or maximum amount after which you lose your cover. If you fall ill, you will have access to all the diagnostics, treatments, and medical attention you need. Regardless of how expensive these might turn out to be, this health insiurance will always cover them.

Yes! Our clients also use this health cover for their residency applications. It is valid for both residencies and visas.

Yes, but with faster access to care (no waiting lists) as well as the typical luxuries you might expect from private healthcare (such as a private hospital room with en-suite bathroom if you are hospitalised), the option of online appointments and even home visits, if required. Not only does this health insurance provider offer health insurance, it also owns the largest network of private health facilities across Spain, which is another distinct benefit of choosing this health cover above other well known Spanish health insurers.

In order to meet Spain's visa and residency criteria, this health insurance is without excess and without co-payments or deductibles.

Once you have completed your online application and made the payment, we will email you your proof of payment and health certificate within 24 working hours. Please check your spam emails and make sure our info@healthinsiderspain.com email is classified as safe to appear in your inbox. Please beware that payments by bank transfer take longer than by card and your bank may take a commission or transfer fee. If the amount received is not complete, this will delay the process.

Please click on your age group on the home page and you will be shown the price, the application form and your payment options. If you are experiencing any problems, please email us at info@halthinsiderspain.com. Homepage: Home | Health Insider Spain.

Yes! We will send you proof of full payment and your health insurance certificate within 24 working hours following receipt of your application form and full payment. Our customer care team specialises in health insurance for international citizens. We are here to help make the process easier for you. Having listened to our customers we are also working on a process to help you access health certificates online.

Please make sure when making a payment, that you have completed your online application form so that we can match the payment and prepare your health certificate and proof of payment on time. The questionnaire will ask you to state the name of the person paying to assist us with the matching process. If you would like to be extra careful, you are welcome to email us at info@healthinsiderspain.com. Bank : Wise Pay by transfer to: WISE, Avenue Louise 54, Room S52, Brussels, 1050 Belgium Account: Health Insider Spain is a trading name under Doudman Ltd. IBAN: BE66 9675 7431 5643 BIC: TRWIBEB1XXX

Yes, of course. You will be asked to indicate the name of the person the payments is made by in your online application form. This is to allow us to find and cross reference the payment with your application. If the payment is being made by card, we prompt the payer to include the passport number of the to-be policyholder.

If you do not have a home address in Spain yet, you can use the address of a friend, an employer, or the main office at the academic institution where you may be working/studying. This address is the place your health insurance membership card will be delivered to. Alternatively, just leave this section blank. We can provide you with a temporary address (one of our clinics in the area where you will be staying). You can modify this address anytime by contacting our customer care. You can automatically access and use your digital card with your documentation until you receive a duplicate card when you order it via the customer care team.

Yes! This is one of the fantastic features of this cover - if you are staying for 3 months, you can arrange cover for 3 months, if you want to stay for 12 months, we can arrange this too. We currently offer a maximum of 18 months of cover but embassies usually (but not always) require your first 12 months of cover. You can extend your cover by contact us and arranging an extension 1 month before the end of your existing cover. We can still cover you if you haven't done this in time, you would just have a new policy. You can extend your cover by whichever months you would prefer (up to 18 months). Otherwise, your cover automatically ends on your agreed end date - you don’t have to do anything else. We cover full months and so your cover would start at the beginning of the month you arrive and cover you until the end of the last month you have paid for, so please bear this in mind when choosing your travel dates and applying for cover.

No. The health insurance options provided by Health Insider Spain do not require you to complete any health questionnaires or assessments by the health insurer. We also provide you with a health insurance certificate within 24 working hours from payment. As you can see on the home page, health insurance prices vary and correspond to people by age groups.

When you click on your age group, you will be presented with the price, a link to the application form and two payment options : bank transfer or online card payment. Top tips: 1. card payments tend to be more expensive because online card processing companies add on further fees but if you are in a rush, they are the fastest way to pay (unless you have a Wise account). Please be aware that your bank or the card processing company could charge you a fee for currency conversion. 2. bank transfers can take several days (unless you have a Wise account) but you are likely to face fewer charges, although your bank may take a commission. Please note that sometimes, your bank's commission charges can reduce the final payout to us and we will not be able to send you your certificate until we receive full payment. This may be something you can check with your bank to avoid delays.

If you need a visa, it is a requirement of the Spanish government that you pay for your whole trip in advance or at least the first 12 months. If you are from an EU country, you can pay in advance for a minimum of 2 months and then pay as you go, extending by 1, 2, 3 or more months at a time.

This is a common question from our clients, because they are used to expecting a cap from health insurers. There IS NO MAXIMUM HEALTH COVER and yes, it exceeds most health insurance products on the market. This cover does not put a cap on the cost of patient treatments, so you will always be covered without interruption, regardless of the cost. This cover is closely modelled on the original National Health Service philosophy, where your health cover is comprehensive and limitless, and the attention you receive is determined by the criteria of the doctors who treat you, not by the cost of the services. There is no cap or maximum amount after which you lose your cover. If you fall ill, you will have access to all the diagnostics, treatments, and medical attention you need. Regardless of how expensive these might turn out to be, ASISA will always cover them.

Like most health insurances, although the prescription of your outpatient medication is covered, the outpatient medications are not themselves covered. All inpatient care, including medications and procedures are covered, as well as the use of an ambulance. You can even access online consultations and can be approved for home visits, if required.

Yes, they are fully covered.

Your health services are available to you 24 hours a day, 365 days a year. You can choose to be treated in the following ways: use the medical chat app to receive treatment wherever you are, via your phone see your local general practitioner doctor (we can help you locate your local doctor) should you require a home visit, this can be authorised by your general practitioner videoconsultation To access the online medical care option: you can download the app from the Google Play Store or the App Store. We will provide you with the link. After downloading, just enter your mobile number (the one you used in your application) and passport number to register.

All your hospital stay needs are covered, including all medications during your stay. All hospital stays will be in a private room with en-suit bathroom and an extra bed for a family member/friend/carer.

I'm afraid they are not, no.

Yes they are. We would ask you to let us know, however.

Yes. If your activities are abroad, please see the section on ‘Is my health covered abroad?’ above for further information. If your professional or internship activities include sports, please see the sports section and the Terms and Conditions.

Yes. There is a maximum cover of 25,000 euros per trip, although there is no cap on how many trips you can take a month or year or throughout your cover. You are covered up to a maximum of 89 consecutive days away from Spain (we expect you to be based in Spain). Some elements of your travel insurance are also covered. Please see our terms and conditions page for more information. Travel to countries that are in armed conflict is not covered (examples include Venezuela, North Korea, Yemen, etc.). If you have any doubts regarding cover at your destination, please check with our team. Please note that there is a specialist travel team that will be assisting you whilst you are abroad (they are allied to your health insurance). Their details will be available on your health card. Please contact them before you seek treatment whilst abroad and they will guide you on which services you can use, which services are covered under your health insurance and provide you with support. Please make sure to have the following information available when you call the international insurance health line: 1. your policy number 2. your location 3. your address 4. your telephone number 5. and the nature of the assistance required or problem In case of force majeure preventing this notification, it must be reported as soon as the cause preventing it ceases. Please note that the claims process is different in this situation and will be forwarded to the international cover service that is allied to the Youth cover. Remember that you can also use your online medical chat option, which is available 24 hours a day, 365 days a year.

Outside of your health cover, some elements of your travel are also covered by this health insurance, examples include (please check the Terms and Conditions for further details): Search for and location of baggage If the Beneficiary’s baggage is lost or delayed, the Insurer will assist them in the search and location of that baggage, advising them on how to file the corresponding claim. If the baggage is located, the Insurer will send it to the Beneficiary’s home in Spain, or their travel destination provided it is possible to access the latter, as long as the presence of owner is not required to recover it, in which case the Insurer will provide the necessary assistance and collaboration. The policy provides first risk cover for indemnity of up to 4,000 euros for personal injury and property damage and/or consequential damage caused by the Beneficiary to a third party for which the latter may claim, under local laws in the corresponding country, as tort. This cover expressly excludes professional indemnity insurance, liability deriving from the use and movement of vehicles, liability deriving from the use or ownership of weapons and artifacts of any type of nature, and indemnities payable for economic loss not deriving from prior personal injury or property damage The Insurer offers its beneficiaries a free, uninterrupted 24/7 service to provide all kinds of tourist information and information on administrative formalities, medical precautions, travel conditions, local living conditions, means of transport, accommodation, restaurants, etc.; vehicle-related information such as repair shops, petrol stations, insurance companies, etc. The Insurer will provide the Beneficiary with a translation service via telephone in the principal languages (English, French and German) and put them in contact with interpreters in the country in which they are travelling. This cover is provided by a specialist travel team that is allied to the health insurer. This will be the service that you contact when you are abroad. Their contact details will appear on your health card.

Similarly to other health insurance products, the this health insurance does not cover you when you travel to countries in armed conflict. If you are unsure if the country you would like to travel to is covered, please contact us. As you can imagine, the list of countries that are not covered for this reason, changes over time. At the time of writing this, the countries not covered include Crimea, North Korea, Yemen, Syria, Iran, Venezuela.

As long as your home country is not on the list of countries in armed conflict and you are not away from Spain for longer than 89 consecutive days, you will be covered with your allied travel health insurance visa. Some clients go back home a bit earlier than they originally planned and they continue to use this health insurance until it runs out in their home country.

Yes, of course this is covered by this health insurance. This is also a requirement for your visa. Repatriation is available in case of death, serious illness or accident. You can access the full terms and conditions on our Terms and Conditions Page. Repatriation services are available worldwide, provided the event provoking the need for the service took place within the Spanish territory. Repatriation is considered to be to your permanent home, local hospital, local burial site. Exclusions are included in our Terms and Conditions documentation. These include injury and death caused by dangerous activities not covered by your health insurance or for example suicide.

Yes! We cover basic and emergency dental treatment. Should you wish to avail yourself of a more comprehensive dental service, we can arrange a top up for you, please contact us by email to let us know.

This health insurance includes complimentary dental cover available at ANY dental clinic within its network for: ·consultations ·annual check-ups ·follow-ups ·tooth extractions ·dental hygiene - annual visit ·x-rays required by the treatments mentioned (extractions, infections, trauma) ·fluoride treatment for children under 6 years of age. In addition to the complimentary cover your policy includes, during the first 6 months only, special discounts (up to 35%) on Full dental care in any of the 36 dental clinics across Spain (within the network), including: ·diagnostics (consultations, X-rays, etc.) ·prevention treatments ·root canal therapy ·periodontology ·orthodontics ·prostheses ·implants ·oral surgery ·cosmetic dental treatments (teeth whitening, etc.) ·Bruxism and temporo-mandibular joint (TMJ) disorder ·24hour emergency treatments during the first six months of your Asisa Health Insurance membership. After six months, you can continue to access the special discounts by contracting the associated dental health cover. Prices start at 9.10 euros / month. It is important to note the difference between the complimentary cover included and the discounted full cover for the first 6 months under your Health Insurance policy compared to contracting the Dental coverage alongside your Health Insurance policy after the first 6 months. 1. Complimentary cover is available at ANY dental clinic within the health insurer's network. 2. Discounted comprehensive cover is only available at specific clinics within the network.

The costs of eyeglasses, contact lenses or the purchase, fitting, replacement, removal and/or repair of prostheses of any nature are not included in this policy. Monofocal intraocular lenses for cataract treatment, bifocal, multifocal or Toric lenses and corrective lenses for refraction defects of any nature are not covered. However, members can access special discounts of up to 35%. The list of treatments which offer discount to our members, includes: Eye surgery for refractive eye conditions, including myopia, hyperopia, etc., at Oftalvist network of clinics; the largest ophthalmologic network in Spain.

In order to have any test or treatment carried out under the cover of your policy you can contact the customer care team who can help you through the process.

For the treatment of mental health disorders of temporary, psychological origin (disorders related to adaptation, stress, seasonal depression; disorders related with behaviour, anorexia and bulimia). This also includes treatment of psychological disorders caused by school bullying, cyberbullying and gender-based violence. Prior referral and report by a psychiatrist in the Insurer’s Directory of Practitioners is required, as well as prior authorisation by the Insurer for referral to an authorised clinician or healthcare facility.

If you would like to book an appointment for counselling/psychotherapy sessions, the first step is to see a Psychiatrist and obtain a referral for the sessions. You can arrange an appointment directly with a Psychiatrist using the app, by contacting customer services to book you an appointment with an English speaking clinician (only available under the English health cover), or contacting the reception of the clinic directly. Please note that the reception staff may not speak English. Please take your Health Insurance membership card and a form of photo ID to the appointment. An appointment with a psychotherapist who refers you to a psychologist for therapy, involves a medical report, and a referral slip which requires authorisation by the health insurance. You can receive your consultations in person or via the live video app.

Yes! A refund is available in the unfortunate event that your visa application has been rejected (proof, such as a rejection letter, must be shown). The refund is processed within 10 working days (100 euros is retained to cover administration costs). Our health insurance documentation is well tested over the last 4 years. This Health Insurance policy has been designed to meet all the requirements for visa and residency applications. Sometimes the team at the Spanish consulate may request additional documentation, they have the freedom to do this at their discretion. If this happens, don’t worry we can expedite the information you need. If the Spanish Consulate has rejected your visa application, or asked you to provide additional information, they usually provide you with a written statement. You can send us this document by email so we can help you prepare your response.

All your in and outpatient treatments, procedures and appointments are covered. Outpatient prescriptions are covered but you will be asked to cover the cost of the medication itself when you purchase it at the chemist (only as an outpatient). You will never be asked to pay for any services or treatments that are covered under your policy provided: 1. you attend a clinic/hospital within our health insurance network (we have the widest network in the country) 2. arrange the appointment using your health insurance card (we will provide you with this, you will also have a digital card) 3. give reception your Health card and photo ID on arrival

There are no waiting periods.

Yes, you can pay by card through the website or arrange a bank transfer. If you have very little time left for your visa appointment, please consider paying by card. Card payments are more expensive because of the card processing company fee and your bank or the card processing company may apply a currency conversion fee. You will receive your health insurance certificate and proof of payment within 24 working hours of receiving your full payment. Please make sure you have completed the application form, we need to match the payment with the right client. You will be asked what the name of the payee is so that we can trace the payment and if you pay by card we request the passport number of the would-be policy holder. If you are paying by bank transfer, beware that your bank may take a commission for any currency conversions or transfers and this might mean that the payment that reaches us is not complete. This will likely delay you receiving the documentation that you need. If you come from a country that struggles with the payment options we have offered you, please email us to let us know what payment options would be preferrable. You can break up payments if there is a payout limit, as long as we receive the full payment so that we can register you and send you the documentation you need for your visa or residency.