Health Insurances in Spain for Expats

Medical insurance is an annual policy which renews automatically. If you do not wish to renew your policy, you need to advise us by providing one month’s notice ahead of its expiry date.

In our range of products, there are insurance policies that require co-payment and those without co-payment, to allow the price to be tailored better depending on each person’s use.

The products that offer co-payment involve your co-participation for the use of a service. For the products without co-payment, you only pay the cost of the premium.

Co-payment means that insured persons participate in the cost of the services that are included in the majority of medical insurance policies on the market.

This involves a payment of a small amount by the insured person to make use of certain services, and that way, avoiding an increase in the generic cost of the premium for all customers who hold the same insurance, by assigning these amounts according to the individual use of each person.

Via a personally issued, non-transferable card from Caser. This will show your insurance number, personal details, and the type of insurance that you hold. When you visit a Health Centre, you just need to present the card.

In certain cases, due to safety reasons, you may be asked for another type of identification instead of your card.

Along with the application for medical insurance, a health questionnaire is included. This consists of a health declaration signed by each one of the insured persons who will be included in the policy prior to it being formalised. It includes relevant questions regarding the state of health of each person to be insured. This questionnaire must be completed for each person to be insured (except in the case of minors under the age of 18, whose declaration will be made by their father/mother or legal guardian), where you are obliged to answer each question truthfully, and note down all known circumstances in relation to your health (past and current). These answers will be considered by the insuring entity, in order to make an accurate risk assessment with regard to the insurance policy, reject the policy or establish any exclusions of coverage for any of the pre-existing illnesses that may be declared by the insured persons (prior acceptance of the insured person).

Yes, as long as they are in our extensive directory of renowned medical professionals. You can see on our map many centers there are in your province.

The qualifying periods make reference to the minimum period of time that you have to fulfil following registration as an insured person in the policy, in order to be able to make a claim and use certain services. For example, for procedures, use of high tech diagnostic centres, prosthesis, etc.

Yes, of course. For that to happen, the contract has to have been taken out remotely and the maximum length of time to cancel it is 14 days following receipt of the policy. However, you will be charged for a proportional part of the services that have already been provided.