The ins and outs of choosing private health insurance.
Healthcare options in Spain with Caser Expat Insurance.
Prestigio Health Insurance
Prestigio, health insurance with reimbursement
You choose and you decide the best health care for you and your whole family. It is possible to choose the doctor you want, anywhere in the world.
We call you for free
Reimbursement of Expenses
You choose where you want to visit to take care of your health. Up to 90% reimbursement.
Without Copayments
Use your insurance as much as you want without additional costs (except psychology).
Worldwide Assistance
We take care of your health in any part of the world.
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!
- 30% off. Applied to the regular rate.
- Up to one month for free. Take out a policy until 15/09/2024.
- €100 voucher for dental treatments.
- 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
When you want to have the best healthcare without giving up any advantages and with total freedom to decide, our most prestigious insurance is your best option. A whole world of possibilities to reduce your worries and give you the most security and cover.
General coverages
Family and paediatric doctor & Registered Nurse with residential service included. Includes preventative checks and child development.
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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.
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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
Ophthallmology
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 dematoscopy and many more) and always with the most advanced technology. Check the complete list of diagnostic tests that are included in Caser Salud.
Diagnostic tests
- 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
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 hospitalisation
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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 new-born.
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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.
All types of hospitalisation
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Hospital emergencies in the health centres included in our medical network, if necessary, an ambulance service is available to take you to the hospital.
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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.
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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.
Emergency home visits
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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.
24-hr medical assistance
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If you are travelling outside of Spain, we guarantee your coverage for up to 90 days and up to €15,000.
Support with travelling overseas
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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.
Second medical opinion
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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.
Dental add-on
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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: lasertherapy, 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 effective.
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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.
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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.
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We provide this study for those under 16 years of age, so that you can know whether their stride is correct and if there is any relation between this and certain diseases.
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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).
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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.
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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.
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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.
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Intrauterine (IUD) treatment and implantation are included in this price.
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Reimbursement of invoices
In addition to Caser Salud's extensive medical staff, you can access any national or international specialist and choose your primary care physician. You can also choose your children's pediatrician or the hospital center where you want them to operate. Initially you take care of the expenses and we will take care of the reimbursement of the invoice up to a maximum of 90%.
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:
- 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. Learn more about Selfie Health
You can speak to professionals in General Medicine and a range of other specialties: Paediatrics, Dermatology, Digestive System, Endocrinology, Gynaecology, Odontology, Psychiatry, etc.
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During your check-ups, you can also share reports with specialists and receive prescriptions for diagnostic tests or medication.
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Take care of yourself with our renowned Medical Team and Telemedicine included
With your health insurance, you receive quality medical care wherever and however you want. Choose from over 45,000 professionals and 13,000 health centres linked to the company. Or you can also consult a specialist without leaving your home, by phone, video call or online medical chat.
Medical TeamHealth insurance with reimbursement that help relieve your expenses with no co-payments
Caser Prestigio's health insurance with reimbursement is synonymous with freedom. You decide the best time for reimbursement of the expenses.
Help in optical and pharmacy expenses
Caser Salud Prestigio not only gives you the most complete list of coverage, but also helps you with your medical expenses in pharmacies, opticians and children’s vaccines:
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.
No co-payments, no extra costs
In other words. NO SURPRISES. Because having no co-payments means knowing that the price of your insurance is fixed and that you won't have to pay anything every time you make use of its coverage. Go to the doctor whenever you need to, knowing that there will be no surcharges. All coverage is included at no extra cost in your policy. Prestigio gives you everything at a fixed price.
Only the adult psychology speciality has a co-payment, and it is limited to €8 per session.
Services for your well-being
Caser Salud App: with access to the medical team from your mobile phone and the "Digital Card" function, to identify yourself as a policyholder from the App. And also, other common procedures such as requesting a medical authorisation, without the need for calls. Caser Salud App.
Caser Más Beneficios: the place where you'll find the most popular treatments in nutrition, genetics and maternity... at special prices. Caser Más Beneficios.
My Emotional Wellbeing Platform.: through streaming sessions, recorded content and video practices, we help you to manage your mind and your day-to-day emotions. The duration of this programme is a year and you will put into practice techniques such as Mindfulness.
Health Insurance reimbursement and qualifying periods
Our most prestigious no-copay health insurance and reimbursement is your best option.
This is undoubtedly the great advantage of Caser Health Prestigio. The reimbursement of medical services means that if you decide to go for a consultation, treatment or intervention with a specialist outside the company's Medical Team, we assume between 80% and 90% of the costs. Thanks to this, and unlike other modalities, not only will you have freedom of choice among the professionals and health centres associated with Caser Expat Insurance, but you will be able to choose any one, whether or not they are linked to the company.
You can use this medical insurance from day one for the majority of services offered. A minimum qualifying period will be set for the following treatments:
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Family planning: 6 months
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Surgical interventions and hospitalization: 6 months
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Oncological, cardiovascular, dialysis and lithotripsy treatments: 6 months
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Postpartum care: 10 months
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Hospitalization and admission for assistance in deliveries/cesareans: 10 months
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Assisted reproduction: 24 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.
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!
Adapta health and dental insurance
Your health insurance with medical care, including hospitalisation, and dental coverage. Complete care at an affordable price.
Integral family health insurance
With Caser Health Integral you have complete medical insurance, with specialists at your disposal 24 hours a day, cover for all ages and also reimbursement of pharmacy expenses.
Activa is the best health insurance for young adults
For you, who don't go to the doctor much but still want to have a health insurance with full coverage. With Activa you have it, and at a low price.
Compare our health insurance
Find the modality that best fits your needs at a glance.
FAQ
Know all the details about hiring, how to use your insurance,
maternity processes ... Do not stay with the doubt!
Worth a look...
Factors that come into play in the choice of insurance.
Health insurance price range.
Healthcare options in Spain.
Differences between Public and Private healthcare in Spain.