The ins and outs of choosing private health insurance.
Healthcare options in Spain with Caser Expat Insurance.
Integral Health Insurance
Integral, the perfect family
health insurance
When your family being covered under any circumstance is your priority. Perfect for those who appreciate Caser Health’s special coverage.
We call you for free
First 10 free of charge
You only pay from the tenth medical claim, per insured person per year.
Health for all stages of life
With test, specialists, hospitalisation… And coverage for pregnancy and childhood.
Up to 100€ in dental treatments
A voucher of 100€ that you can spend on dental treatments of your choice.
Your health insurance is now 30% off and up to 1 month for free!
Your health insurance is now 30% off and 1 month for free!
- 7% off. For 2 insured parties.
- Up to one month for free. Take out a policy until 30/09/2024.
- Family package, 3 policyholder, from €149,76 €/month*
- €100 voucher for dental treatments.
- Stem cells cryopreservation – Biocord. Reimbursement of stem cells cryopreservation expenses, up to €600.
- Selfie Health. Keep an eye on your health at any time using your phone camera.
- Centro Médico Caser. Insured parties over the age of 18 have free access to the telemedicine service "Centro Médico Caser".
*See conditions of the promotion.
See in detail all the coverages
Different medical specialties, diagnostic tests, hospitalizations, emergencies, special treatments ... It's just the beginning. Find out now about all that our family health insurance offers for you and for your health.
General coverages
Family and paediatric doctor & Registered Nurse with residential service included. Includes preventative checks and child development.
Unlimited access, without long waiting lists and the need of referral from your general practitioner. Pediatrics, gynecology, dermatology, endocrinology, traumatology... consult the wide range of medical specialties that we put at your disposal.
Medical Specialities
Allergology
Anaesthesiology and resuscitation
Pathological anatomy
Angiology and vascular surgery
Digestive system
Cardiology
Anus-rectal surgery. Proctology
Cardiovascular surgery
General surgery and digestive system
Maxillofacial surgery
Paediatric surgery
Plastic surgery and reconstructive surgery
Thoracic surgery
Dermatology surgical and venereology
Urology
Endocrinology and Nutrition
Geriatrics
Haematology and hemotherapy
Immunology
Infectious and tropical disease
Intern medicine
Nuclear medicine
Nephrology
Neonatology
Pneumology
Neurosurgery
Neurophysiology clinic
Neurology
Obstetrics and Gynaecology
Dentistry-stomatology
Ophthalmology
Medical oncology
Radiotherapy oncology
Otolaryngology
Psychology Clinic
Psychiatry
Rehabilitation and physiotherapy
Rheumatology
Pains treatments
Orthopaedic surgery
Access to all common means of diagnosis (clinical analysis, x-rays, magnetic resonance imaging (MRI), CT, ultrasound, endoscopy, electrocardiogram, digital dermatoscopy and many more) and always with the most advanced technology. Check the complete list of diagnostic that are included in Caser Health.
Diagnostic test
Clinical Analyses
Plain X-Ray
Special Non- interventionist Radiology
Nuclear Magnetic Resonance
X-ray computed tomography (CAT Scan)
Densitometry
Radioisotopes
Scintigraphy
Positron Emission Tomography (PET)
Endoscopy
Electrocardiogram
Exercise tolerance test
Echocardiogram
Conventional Holter
Event Holter
Doppler
Electroencephalography
Allergology
Electromyography and evoked potential
Polysomnography
Triple screening
Amniocentesis
Fetal Karyotype Studies
Digital Dermatoscopy
Sentinel Node Detection
Childhood deafness early detection (Otoacoustic Emissions and Brainstem Evoked Response Audiometry) (BERA)
Echography
Includes all types of hospitalisation, with no limit on medical, paediatric, maternity surgical or ICU hospitalisation.
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With no limit on hospitalisation. There is no upper limit on the hospitalisation days, except for psychiatric hospitalization.
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Medical hospitalisation without surgical interventionDaytime hospitalisation for treatments like dialysis, for example, is included.
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Paediatric hospitalisation.Includes conventional, incubated and neonatological hospitalisation.
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Maternity hospitalisation.Including assistance from a midwife and obstetrician. Includes anaesthetic, epidural and a bed and incubator for the newborn.
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Surgical hospitalisation.Includes daytime hospitalisation. For laser surgery treatments, for example.
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Intensive Care Unit (I.C.U.) hospitalisation with a prior medical prescription.
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Psychiatric hospitalisation.Exclusively for those previously diagnosed with acute and irreversible flare-ups. Up to 60 days per natural year.
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Special residential care with a prior medical prescription.
** Hospitalisation with an incubator, psychiatric hospitalisation and ICU hospitalisation do not include a bed for the chaperone, due to the nature of this type of hospitalisation.
Hospital emergencies in the health centres included in our medical network, if necessary, an ambulance service is available to take you to the hospital.
We give you unlimited coverage for prostheses and materials. Prostheses are extensions or components which are used to substitute part of our bodies and which help them to function correctly.
In the event of an emergency, if you're unable to travel to the health clinic, we send a GP or nurse practitioner to your home.
24 hours of medical assistance, so you can clarify all your doubts or ask for advice about paediatric and medical questions. Likewise, you could request an explanation for your reports, diagnostic tests and their preparation or about prescriptions, or any other questions.
If you are travelling outside of Spain, we guarantee your coverage for up to 90 days and up to €15,000.
Procuring a second opinion from experts with a prestigious national and international reputation, for serious illnesses like cancer, neurological and neurosurgical illnesses, chronic kidney failure, etc.
It includes 14 free basic services (check-ups, diagnostic tests, extractions, dental cleaning) and a price cap agreed with our medical-dental network for all other treatments. It is not comprehensive dental insurance, but you can save a significant amount compared to a client without health insurance.
Special treatments
We include 20 individual psychology sessions per insured person per year. The prescription of a medical professional from our medical directory is always necessary.
For cases of eating disorders, an additional 20 sessions per insured person per year are included.
Consult the associated co-payments for this coverage.
Unlimited chiropody in doctor's office.
Specific or specialized treatments for various pathologies. Some special treatments: laser therapy, logo phoniatrics, etc. Logo phoniatrics for organic pathologies:
Extension of logo phoniatrics coverage for vocal cords organic pathologies, resulting in 20 sessions per year. It is considered organic pathology:
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Inflammation: oedemas
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Benign tumours: nodules, polyps; or malignant: cancer of the larynx (with partial or total involvement)
A diagnostic tool used for early melanoma detection.
We extend the cover for malignant tumours to include surgery to symmetrise the healthy breast or mastectomy of the healthy breast and subsequent reconstruction with prostheses if there is a medical indication for this.
It is included within the same oncological breast surgery, or with a maximum limit of two years after the surgery is performed.
We include radiofrequency surgery, in addition to the other techniques already covered for the treatment of this pre-cancerous oesophageal pathology. Requires prescription and prior authorisation.
Prior to any oncological treatment, we will carry out a study to find the most suitable treatment for you and ensure optimum effectiveness.
It involves a minimally invasive surgical technique with better results than conventional surgery. The most outstanding advantages of this technique are a lower rate of side effects derived from surgery, faster recovery after surgery with less hospitalization time, less postoperative pain, less risk of bleeding and infection and smaller scars, among others.
A physical and educational exercise program, individualised and supervised by professionals, helps you regain strength and endurance and, as a result, functional capacity. It also helps improve your health, reduce symptoms, prevent the worsening of your disease and reduce the risk of having heart problems in the future.
In the case of pelvic floor dysfunction (urinary incontinence), possible alterations are analysed and the necessary treatments for recovery are carried out, including pelvic floor rehabilitation (physiotherapy speciality). This consists of pelvic floor exercises, biofeedback, electrostimulation, global body exercises (flexibilising the lumbar spine, stretching aimed at the lower body and lumbosacral region and breathing exercises), massotherapy and relaxing techniques.
A maximum of 8 sessions per insured person per year are included in our associated centres.
Requires prescription and authorisation prior to treatment.
We include vestibular rehabilitation if you suffer from vertigo or dizziness caused by inner ear diseases. This cover is provided in our associated centres and requires a prescription and prior authorisation.
Pregnancy and family planning
We provide you with an on-site study, diagnosis, and partner infertility treatment. If necessary, it includes three attempts of artificial insemination as well as IVF (In vitro fertilization) and ICSI (Sperm microinjection).
From the second pregnancy trimester, we help you to prepare physically and psychologically for the moment you give birth. Including a face-to-face assistant full program guide from a midwife.
The non-invasive prenatal genetic test analyzes the fetus' DNA through a maternal blood test in order to predict the risk of Down syndrome (trisomy 21), Edwards syndrome (trisomy 18) and Patau syndrome (trisomy 13). The Harmony Test is recommended for women with altered first-trimester combined screening.
After childbirth, assessment of the general condition of the mother and newborn. We will provide tips on baby care, help and advice on breastfeeding, training in pelvic floor rehabilitation, as well as clearing up queries concerning care. The age limit of the newborn to be eligible for the service is set at 28 days. The service will be provided digitally.
Intrauterine (IUD) treatment and implantation are included in this price.
Centro Médico Caser – Telehealth
This telemedicine service allows you to a doctor from the comfort of your own home:
Book an appointment with a specialist and get quality health care by telephone or video call. With long business hours, you choose the day and time that suits you best to seek medical assistance.
Or, if you prefer, get answers to all your medical doubts with no need for an appointment by using the Online Medical Chat.
All check-ups through the telemedicine service, regardless of the specialty, are exempt from copayments.
Unlimited check-ups (except for psychology, with 20 sessions per year per insured party).
Selfie Health allows you to get rapid measurements of a range of health indicators. In just 30 seconds and thanks to mobile facial recognition technology you can obtain readings for the following:
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Heart rate, irregular heartbeat, systolic blood pressure, Diastolic blood pressure, heart rate variability, myocardial stress, respiratory rate, body mass index, waist and height index, stress index, facial skin age, risk of cardiovascular disease and general well-being score.
And now, evaluate your mental health: new functionality that allows you to quickly and early detect the risk of developing any mental health pathology, such as anxiety or alteration in mood. After the evaluation, we will offer you different recommendations, such as advice to help you regulate your anxiety levels, referral to professionals if the results are altered, etc.
This service comes free of charge with your health insurance, it is the perfect complement of telehealth, it allows you to track your well-being daily in an easy way and if any reading is outside of the normal range, you will be able to visit your doctor and share with them your results getting a professional opinion.
You can speak to professionals in General Medicine and a range of other specialties: Paediatrics, Dermatology, Digestive System, Endocrinology, Gynaecology, Odontology, Psychiatry, etc.
During your check-ups, you can also share reports with specialists and receive prescriptions for diagnostic tests or medication.
Extensive Medical Team with telemedicine included
At your disposal, more than 45,000 trusted professionals and 13,000 health centres where you will receive totally personalised treatment. And what's more, if the specialist you want is not in your city or you simply don't want to travel, you can also talk to him or her without leaving your home.
Medical TeamIntegral family health insurance helps you with your healthcare expenses
In addition, we want to help you save on expenses, so we have included a list of refunds. Do the numbers to see how you can recover up to 300 euros per year and insured.
Reimbursement of optical and pharmacy expenses
Caser Integral health insurance helps you with your medical expenses through different reimbursements:
We refund 50% of what you spend at your optician up to € 100 per insured for the year.
Reimbursement of 50% of the total amount of pharmacy bills and children's vaccines up to a maximum of € 100 per insured person per year.
Choosing any modality of stem cells cryopreservation by Biocord through our website: casermasbeneficios.es, we will take care of the reimbursement of the invoice up to a maximum of €600. See terms and conditions.
10 first co-payments at no cost
A co-payment is the small amount of money you pay when you use certain services associated with your health insurance. Thanks to the co-payment, the annual price of your insurance is much cheaper, and you avoid a high premium. In other words, you will not pay a fixed price each year in advance, a price that may not be in line with the use you have made of your insurance. What is Co-payment?
Caser Integral Health has a few copayments and also the first 10 per year and insured are free. You will only pay from the 11th.
Other services to make your day-to-day life easier
Caser Salud App: you have direct access to the Medical Team, so you can find the nearest specialist at any time by geolocation. You can also request Medical Authorisations from your mobile phone, and with the Digital Card function, you can identify yourself as an insured person at medical centres without the need for a physical card. Caser Salud App.
Caser Más Beneficios: the platform where you will find numerous treatments related to nutrition, maternity, prevention... at special prices. Caser Más Beneficios.
And now you get free access to the My Emotional Wellbeing Platform, with the best practices and recommendations for learning to manage your mind and emotions in the face of the normal stresses of everyday life. This programme lasts one year and is taught online, with video practices and streaming sessions with our psychologist.
Co-payment Caser Integral Health
Here we detail the additional amounts that you must pay when you use the following services. Remember that the first 10 insured copayments per insured per year are free, you will only pay from the 11th on.
Primary care: general medicine, paediatrics and nursing |
€2 |
Speech therapy (session) |
€2 |
Aerosol therapy, ventilation and oxygen therapy |
€2 |
Podiatry |
€2 |
Rehabilitation treatments and physiotherapy (session) |
€2 |
Specialist consultations |
€4 |
Preparation for childbirth |
€4 |
Standard diagnostic tools |
€4 |
Psychology: Adult and paediatric (session) |
€8 |
High-tech diagnostic procedures |
€10 |
Home emergencies |
€10 |
Hospitalization and surgical interventions |
€10 |
Assisted reproduction and artificial insemination |
€10 |
Postpartum care |
€10 |
Other services |
€4 |
What else do you need to know about Caser Integral health insurance?
There is no single price for Integral, as this depends on each person, their age, or their health conditions. However, through our online calculator, you can find out your price in less than 1 minute, totally personalised, and without any kind of commitment. Get a quote.
When you take out health insurance, the most important thing is that you feel comfortable in every way. That’s why you have the possibility of splitting the payment of your insurance in the way that suits you best: yearly, half-yearly, quarterly or even monthly. And what’s more, we won’t apply surcharges or additional commissions in any of these cases.
- Family planning: 6 months.
- Surgical interventions and hospitalization: 6 months.
- Oncological, cardiovascular, dialysis and lithotripsy treatments: 6 months.
- Postpartum care: 10 months.
- Hospitalisation and admission for assistance in deliveries/caesarean: 10 months.
- Assisted reproduction: 24 months.
- Surgical interventions and hospitalization: 10 months.
And if you transfer from another insurance company where you have held a policy for over a year, Caser will remove* the qualifying periods, except for assistance during childbirth and assisted reproduction. *
*Subject to the Particular Conditions in the previous health insurance policy.
The maximum age limit for taking out a policy is 69.
There are no limits as to how long the policy can last.
Do you want to have all of the information within your reach?
Here you will find all of the set prices for 2024, both the cost-free treatments and the maximum prices for remaining treatments, as well as the terms & conditions and the Medical Team for each product.
If you are searching for health insurance in Spain,
Caser Expat Insurance has the right policy for you!
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