Deduction on income tax (IRPF)

Up to €500 off each year for the worker and relatives

Discounts

On family contracts

Fast and simple access

Forget long waiting lists

24-hr worldwide coverage

With emergency assistance on international trips

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

Find out about our Self-Employed Health Insurance and compare it with others

In order to adapt ourselves to your professional profile, family life and financial preferences, we have broken down our Self-Employed Health Insurance into four types. Which one best meets your needs?

Our most cost-effective option.
It doesn’t include hospitalisation but it does include the most comprehensive outpatient assistance. Geared towards reducing waiting times required when accessing specialists and diagnostic tests.

The only type with adapted co-payment, which results in comprehensive assistance, with hospitalisation included at a reduced price.

As comprehensive as Activa, but at a closed price, with no co-payments (except for Psychology) and ideal for the whole family.
Do you want it all? You’ve got it. Choose any professional outside our healthcare network and anywhere in the world.

 
 
MEDICA
 
 
ACTIVA
 
 
INTEGRAL
 
 
PRESTIGIO
GENERAL COVERAGE
GENERAL COVERAGE
Co-payment
Co-payment No
(Except Psychology €8)
 
Standard
see co-payments
 
No
(Except Psychology €8)
 
No
(Except Psychology €8)
 
Primary Care and Paediatrics
Primary Care and Paediatrics        
Specialists
Specialists        
Diagnostic tests
Diagnostic tests        
Hospitalisation (medical, surgical and ICU)
Hospitalisation (medical, surgical and ICU)        
Psychiatric Hospitalisation
Psychiatric Hospitalisation        
Dental Coverage
Dental Coverage Complemento bucodental   Complemento bucodental   Complemento bucodental   Complemento bucodental 
International Medical Assistance
International Medical Assistance        
Outpatient emergencies
Outpatient emergencies        
Inpatient Emergencies
Inpatient Emergencies        
Home treatment
Home treatment        
Prosthesis
Prosthesis        
Transplants
Transplants        
SPECIAL TREATMENTS
SPECIAL TREATMENTS
Physical Therapy
Physical Therapy        
Psychology
Psychology 20 sessions
(per insured party/year)
 
20 sessions
(per insured party/year)
 
20 sessions
(per insured party/year)
 
20 sessions
(per insured party/year)
 
Chiropody
Chiropody 6 sessions
(per insured party/year)
 
Unlimited   Unlimited   Unlimited 
Speech Therapy
Speech Therapy        
Therapeutic targets
(for cancer treatment)
Therapeutic targets
(for cancer treatment)
       
Pain Treatment
Pain Treatment        
Dialysis
Dialysis        
Robotic surgery in prostate cancer interventions with the Da Vinci System
Robotic surgery in prostate cancer interventions with the Da Vinci System        
Other treatments
Other treatments        
PREGNANCY AND FAMILY PLANNING
PREGNANCY AND FAMILY PLANNING
Infertility Treatment
Infertility Treatment        
Assisted Reproduction
Assisted Reproduction        
Birth Preparation program
Birth Preparation program        
Prenatal Harmony Test
Prenatal Harmony Test        
Birth
Birth        
Post-natal care in the comfort of your own home
Post-natal care in the comfort of your own home        
Postpartum pelvic floor rehabilitation
Postpartum pelvic floor rehabilitation        
Family planning (Intrauterine treatment and implantation included in the price)
Family planning (Intrauterine treatment and implantation included in the price)        
SERVICES AND COMPLEMENTS
SERVICES AND COMPLEMENTS
Second Medical Opinion
Second Medical Opinion        
Medical and paediatric telephone assistance (24/7 365 days a year)
Medical and paediatric telephone assistance (24/7 365 days a year)        
Psycho-emotional telephone assistance
Psycho-emotional telephone assistance        
App Mi Salud
App Mi Salud        
Ambulances
Ambulances        
REFUNDS / REIMBURSEMENT
REFUNDS / REIMBURSEMENT
Medical Costs (outside our medical network of professionals)
Medical Costs (outside our medical network of professionals)        
  More info More information More info More information More info More information More info More information
See all the services provided by Caser Health Insurance in detail

Your Health Insurance for Freelancers

You deduct up to €500 per year from the cost of your insurance in the personal income tax return, applicable to your partner and children under the age of 25.

What’s more, in the event of a disability, the deduction can amount to €1,500 per year.

  • We have removed qualifying periods, so that you can make use of your insurance from the first day (Except for assistance at delivery - 10 months - and assisted reproduction - 24 months).
  • We have also eliminated co-payments for Médica, Integral and Prestigio products (with the exception of Psychology. See the doctor as many times as you need, at no extra cost.
  • You have advantages and discounts of up to 10% off your family policy.
  • It saves management times both in medical tests, and in hospital and surgical processes. Waiting lists are significantly cut short.
  • The consultation process is shortened, enabling you to see a specialist without going through the GP.
  • No matter where you are, you have international coverage with emergency assistance on trips abroad, with a limit up to €15,000 per insured party per year.
  •  24-hr emergency service, with more efficient access than the public health system.
  •  24-hr medical and paediatric over-the-phone and online guidance.
  •  Single room with a bed for your companion

How to take out your Self-Employed Health Insurance

Services included in your Self-Employed Health Insurance

 

Extensive medical network    

Made up of more than 45,000 professionals and more than 13,000 clinics and centres, including the most prestigious ones.

> I want to know the Medical Chart

midoctorCaser-pymes

MiDoctorCaser App    

There are consultations that cannot wait. With the MiDoctorCaser App, you take the doctor wherever you go via your mobile: chat with different professionals from multiple specialties and clear up any doubts about health, instantly.
Search and download MiDoctorCaser app on your phone.

FAQs about Self-Employed Health Insurance

TAX BENEFITS

Yes. The law states that self-employed workers who take out a private health insurance can deduct the premiums they pay for.

This deduction is applicable to both the self-employed worker, their partner and children under the age of 25, with a maximum of €500 per insured person per year, and up to €1,500 for professionals with disabilities.

ABOUT THE CONTRACT

It is very simple. Naturally, you must be a self-employed worker, and from there, you only need to be of legal age, reside in Spain and fill out the health questionnaire.

69 years old for Médica and Integral products and 64 years old for Activa and Prestigio.

No, your medical insurance is for a period of one year.

No. One of our priorities is comfort, so, just like you decide when to join us, you also decide when to end your policy. Don’t forget that, in order to cancel your insurance, you are only required to notify us at least one month before the expiration of the policy, which is annual.

Yes. Even though the policy is annual, the payment can be split on a six-monthly, quarterly or monthly basis, depending on whichever you find most convenient, and free of charge.

Payment is made through a direct debit in the current account indicated at the time you take out the insurance. Remember that the owner of this account must be the policyholder and in no case can they be the beneficiaries.

INCLUDING FAMILY MEMBERS IN THE SELF-EMPLOYED HEALTH INSURANCE

Yes, you can include your partner/spouse and children as long as they are under 25 and live at the same address as you.


They can be included anytime. You can include your children or spouse at any moment the policy is in force, as long as they meet the requirements outlined in the previous question.

Yes. By including two insured parties you get a 5% discount and, if you include 3 or more, you get 10% off.

INSURANCE USE

The advantages of our insurance for self-employed workers are specifically for this collective. If you de-register as a self-employed worker, let us know so that we can transfer you to a private insurance under beneficial terms and conditions.

This is one of the great advantages of our insurance for self-employed workers, since it does not have qualifying periods, except for assistance in childbirth and assisted reproduction. You are free to seek healthcare as from the effective date of the contract.

Your insurance is renewed automatically at the end of each annuity.

Prices may vary year to year depending on the variations of the health system, the age of the insured party or the number of individuals included in the policy. If the cost of our insurance varies, we will notify you two months before the expiration of the policy, allowing you to choose between renewing the contract or allowing it to expire.

You can freely select any professional in the Caser Medical Network. That said, with Prestigio, if you access specialists outside the network, we will reimburse you up to 90% of expenses.

Do you want further information?

Consult all the complementary documentation for Caser Salud Integral.
Get full details of what is included and all information relevant to this type.