How to choose a health insurance policy with full coverage in Spain for foreigners?

The necessity of health insurance in Spain

Comprehensive medical insurance for foreigners staying in Spain is a necessary requirement for those planning to stay in the country for an extended period or wishing to apply for a residence visa. The policy must be valid for at least one month from the date of application. It offers not only basic medical services but also includes hospitalization, outpatient care, diagnosis of various diseases, treatment of serious illnesses such as cancer, and even the organization of repatriation of the body to the home country.

Preparation for moving

Many probably don't pay attention to this when they feel healthy and full of energy. However, moving to a new country, even for a short time, requires awareness and preparation. It's better to be ready for all the surprises and to take care of the safety of yourself and your loved ones.

What is a medical insurance policy?

What does a medical policy represent? It is a document that contains information about the insurance contract in the name of the insured. Such a policy is issued by the insurance company after signing the agreement and making the insurance payment. Usually, its validity period is one year.

Elements of a standard policy

A standard health insurance policy includes several key elements:

• Document title;
• Information about the insurance company (name, legal address, and financial information);
• Full name or initials of the insured along with their address;
• A detailed description of the insurance;
• Specific risks covered by the policy;
• The amounts of insurance contributions and their payment schedule;
• The duration of the contract, rules for amendments and termination;
• Other terms agreed upon by the parties, including possible provisions regarding special insurance conditions or exclusions;
• Signatures of all parties to the agreement.

Where can I get a medical insurance policy?

Where can I get such a policy? Currently, there are many insurance companies that offer the option of obtaining health insurance. However, when it comes to medical services abroad, it is crucial to find the best balance between price and quality without any additional costs.

The problem of choosing an insurance company

Here arises the usual problem for many people of choosing and analyzing prices. It is necessary to carefully study various offers from insurance companies, compare rates, conditions and customer feedback. If you have yet to buyreal estate or apply for a visa, it is recommended to contact a company with which you already have an established relationship. This will greatly simplify the process, as the company's employees will be able to offer advice and share their opinions on various options.

Recommendations from specialists

“We always strive to ensure that our clients feel confident and comfortable in a new environment.”“That is why we strive to assist them with various issues, including insurance,” the specialists note.

For many years of our work, we have often recommended the same insurance company —SanitasIts reliability and high level of service make it the optimal choice for those seeking quality medical care in Spain.

Introduction

The leading real estate company luxmar21 international is confident in the high level of customer satisfaction with the services they provide. The company's director, Sabina Bilyalova, emphasizes the reliability and quality of their services, which makes them in demand among users.

About the company Sanitas

Sanitas, operating in Spain since 1989, is part of the international Bupa group (British United Provident Association), which spans over 189 countries worldwide. This allows Sanitas to offer some of the most competitive insurance solutions, including various levels of discounts.

Discounts and benefits of the policies

For example, if a group of four or more people is insured under the policy, a 10% discount is provided. A 4% discount is also available for paying the policy in advance for a year.

Types of medical insurance policies

Sanitas offers a variety of types of health insurance policies, including the most popular ones:

• Basic coverage policy;
• A policy with full coverage and copayments starting at the fourth visit to a specialist;
• A policy with full coverage and a co-payment that starts only from the seventh consultation;
• Policy without co-payments for medical services;
• A special policy for students coming to study in Spain.

When purchasing real estate and applying for a residence permit, it is essential to have a policy with full coverage.

Benefits of full coverage

What advantages does such a policy provide?The Sanitas health insurance policy with full coverage guarantees its holders access to quality medical services throughout the country without the need for long waiting times and without any financial limitations.

Clients can expect prompt medical assistance, ranging from home doctor visits to expensive diagnostic procedures, surgical interventions, and treatment of oncological diseases in the best clinics specializing in these areas.

Sanitas Medical Centers

Throughout Spain, more than 1,200 medical facilities are ready to receive Sanitas customers, including prominent international medical centers such as CIMA (Centro Internacional de Medicina Avanzada) in Barcelona. Full medical coverage also includes dental services - up to 30 visits per year to the Millennium Dental network of clinics.

Flexibility of policies

An important point is that medical policies do not tie clients to specific clinics, allowing insured individuals to choose the best medical facilities in the country. Sanitas offers insurance to both Spanish citizens and foreigners up to 75 years old, which is a significant advantage, as many insurance companies limit coverage to those up to 65 years old.

Moreover, insured individuals have the opportunity to receive medical services not only in Spain but also outside its borders for up to three months, with a limit of up to 12,000 euros. This creates additional advantages for policyholders, making healthcare more accessible, flexible, and tailored to the needs of the client.

Diseases outside of Spain

If you are in an area outside of Spain and symptoms of illness are detected, you will be able to start treatment immediately without incurring costs, notes Sabina Bilyalova. A health insurance policy with full coverage becomes especially important when you are expecting a child and during childbirth. It includes all necessary medical services, starting from hospitalization in comfortable conditions, continuing with delivery and provision of anesthesia.

Tips for arranging insurance

Sabina Bilyalova advises addressing the issue of health insurance in advance if you plan to immigrate and expect a baby in Spain. The best option would be to arrange insurance eight or nine months before the expected conception date — this will significantly save on expenses.

Conclusion

The conclusion I want to draw in this article concerns the importance of health insurance for foreigners choosing to live in Spain. I understand that moving to another country is always a complex and multifaceted process. And of course, we often focus our attention on issues of housing, work, and integration into a new culture. However, while noting all the advantages and opportunities, we must not forget about health—it is a priority in any life situation.

A comprehensive medical policy offered by companies such asSanitasYou have the assurance and protection that any medical services will be provided when you need them, without delay or worry. We live in an age where unforeseen circumstances can happen at any time. Therefore, overlooking aspects of medical care can lead to financial and emotional hardships that are difficult to even imagine during the planning stages of a move.

The importance of health insurance

I also want to emphasize that having a comprehensive insurance policy is not just about comfortable living, but also about your safety. As I mentioned earlier, such a policy provides access to high-quality medical services, treatment in the best clinics in the country, and offers the possibility of receiving necessary care while being outside of Spain.

It's important for me that everyone who is making a decision about moving understands that insurance is not just a formality, but a necessity in life. I recommend paying attention to reputable companies, such asSanitasWe have a proven track record in the market and offer services that meet your needs and expectations.

Tips on health insurance

• Don't delay getting your policy arranged.later.
• Take care of yourself and your loved ones in advance.
• Pay attention to reputable insurance companies.
• Take care of your health.— this is the main wealth.

In conclusion, I want to say: don't put off getting a health insurance policy for later. Take care of yourself and your loved ones in advance, and do everything possible to ensure that your life in Spain is not only interesting and vibrant but also safe. Health is the greatest wealth, and I sincerely wish each of you to preserve it.