No copay health insurance
Without Copayments

Use your insurance as much as you want without additional costs (except psychology)

Reimbursement of expenses
Reimbursement of Expenses

You choose where you want to visit to take care of your health. Up to 90% refunded

Worldwide Assistance
Worldwide Assistance

We take care of your health in any part of the world

App MiDoctorCaser
App MiDoctorCaser

Your doctor is a click on your mobile with immediate immediate 24 hours and wherever you are

¡NUEVO!
Take out your health insurance with special benefits!
Hurry, this promotion is valid for a limited time only!
 

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

See in detail all the coverages

Family and paediatric doctor & Registered Nurse with residential service included. Includes preventative checks and child development.

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.

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

If you are travelling outside of Spain, we guarantee your coverage for up to 90 days and up to €15,000.
Intrauterine (IUD) treatment and implantation is included in this price.
Unlimited chiropody in doctor's office.
We provide individual out-patient psychological support.
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.
As a general rule in the instance of hospitalisation, we give you the option of an individual room and extra bed for the companion.

Includes all types of hospitalisation, with no limit on medical, paediatric, maternity surgical or ICU hospitalisation.

  • With no limit on hospitalisation.There is no upper limit on the hospitalisation days, except for psychiatric hospitalisation
  • Medical hospitalisation without surgical interventionDaytime hospitalisation for treatments like dialysis, for example, is included.
  • Paediatric hospitalisation.Includes conventional, incubated and neonatological hospitalisation.
  • Maternity hospitalisation.Including assistance from a midwife and obstetrician. Includes anaesthetic, epidural and a bed and incubator for the new-born.
  • Surgical hospitalisation.Includes daytime hospitalisation. For laser surgery treatments, for example.
  • Intensive Care Unit (I.C.U.) hospitalisation with a prior medical prescription.
  • Psychiatric hospitalisation.Exclusively for those previously diagnosed with acute and irreversible flare-ups. Up to 60 days per natural year.
  • 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.

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.
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.

We help you to prepare physically and psychologically for the moment when you give birth.

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.
We provide this study for those under 15 years of age, so that you can know whether their stride is correct and if there is any relation between this and certain diseases.
Can you imagine being able to consult any medical question, at any time and regardless of the day? Well, transform your imagination into reality. Discover more about 24h care line
Prior to any oncological treatment, we will carry out a study to find the most suitable treatment for you and ensure optimum effective.
This service ensures that we are available to help you with psychological support for any emotional problem you may have.
A diagnostic tool used for early melanoma detection.
If you add your new-born or newly adopted child in your policy within 15 days, you will not have to fill out a health questionnaire, nor will you incur pre-existing fees or vesting periods.
One of the best on the market, for its range and prestige. More info.
24-Hour emergencies in authorised centres Residential emergency service when the invalid’s state requires it.
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.
As a consequence of vaginal childbirth, the mother may have pelvic floor dysfunction (urinary incontinence and/or rectal anus). In postpartum recovery, possible alterations are analyzed and the required treatments for recovery are carried out, including rehabilitation for pelvic floor (physiotherapy specialty). This involves pelvic floor exercises, biofeedback, electrostimulation, global body exercises (lumbar spine flexibilization, stretching aimed at the lower train and lumbosacral region and breathing exercises), massage therapy and relaxation techniques.

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:

  1. Inflammation: oedemas
  2. Benign tumours: nodules, polyps; or malignant: cancer of the larynx (with partial or total involvement)

Reimbursements and Benefits

And Caser Salud Prestige is synonymous with freedom. You decide the best time for us to reimbursement the expenses.
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. More information about pharmacy costs
We give you a dental check with discounts (€ 100 in orthodontics, implants and prosthetics, or € 30 in the rest of treatments) so that you can enjoy it in the clinics of the medical staff assigned to this promotion.
We refund 50% of what you spend at your optician up to € 100 per insured for the year. More information on optical expenses.
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%.

Co-payment and Qualifying periods

Our most prestigious no copay health insurance is your best option

There is no use of co-payments except for Adult Psychology, which is 8€ per session.

> What is Co-payment?  ? 

How long do I have to wait before being able to use this insurance?

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:

> See all the qualifying periods and signing up

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.

You choose how to use it.
  • MEDICAL DIRECTORY CATEGORY. No co-payments* (except for 8 Euros for Psychology)
  • FREE CHOICE CATEGORY. You choose your doctor, even if they are not included in our medical directory. You decide who you want and we reimburse you for up to 90% of the costs.

* Psychology and assisted reproduction will only be covered and provided via use of the Medical Directory.

The maximum age limit for taking out a policy is 69.

There are no limits as to how long the policy can last.

Services included with Caser Salud Prestige

Did you think that was everything we offered? Well, no because with Prestige we also include a range of free services. Find out more!

The messaging APP where you can make medical consultations of different specialties, 24 hours a day.

One of the many services aimed at perfecting the development of the smallest members of your family, from the moment they are born until they are 15 years old, one of the stand-out services is the bio-mechanical walking or stride study. It consists of analysing the foot in both the static and dynamic position, as well as its relation to other structures such as the knee, the hip and the spine.

Through this study the posture is analysed and corrected, which prevents future problems and the onset of muscular and osteoarticular lesions.

What’s more, children are able to improve their stride through playing in a fun way.

Can you imagine being able to consult any medical question, at any time and regardless of the day? Well, transform your imagination into reality. Discover more about 24h care line

From home, from your mobile, from wherever you want! All the complete list.
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Here you will find all of the set prices for 2019, 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.

DATA PROTECTION

As required by the data protection legislation in force, we inform you that the data you may provide to us will be processed. Below you will find the basic information on the processing:

Controller

CAJA DE SEGUROS REUNIDOS, Compañía de Seguros y Reaseguros, S.A.- CASER

Basic purposes and legal basis

Purposes

  • a. Execution and performance of insurance policy or pension plan.
  • b. Fraud prevention.

Legal basis

  • a. Necessary for execution of a contract or preliminary agreement.
  • b. Fulfilment of legal obligations.

Other additional purposes and legal basis

Purposes

  • a. Profiling and distribution of commercial information.

Legal basis

  • a. Legitimate interest.

Recipients

Reinsurance companies or coinsurers. Caser Group’s companies. Entities engaged in fraud prevention. Public Administration authorities.

Rights

Access, rectification, erasure, portability, restriction and objection to processing, by mail or e-mail, including proof of your identity.

Data Protection Officer

Postal address: Avda. de Burgos, 109 28050 – MADRID
E-mail: dpogrupocaser@caser.es

Additional information

Please refer to the additional detailed information available on our website:  www.caser.es/proteccion-de-datos.

Aenor

© Caser Expatinsurance 2020