Complete medical care, with the copay you choose
Health insurance with its own medical network across Spain, so you're not left waiting on public healthcare lists. It's available in three levels — No Copay, Reduced Copay and Standard Copay — so you decide whether you'd rather pay something each time you see a doctor in exchange for a lower premium, or never pay anything at all.
- ✓ Emergency care, general medicine, paediatrics and nursing
- ✓ Access to specialists and a wide medical network
- ✓ Up to 10 family members on the same policy
- ✓ You choose the copay level that fits you best
Broad cover, the same across all three levels.
Whichever copay level you choose, the medical cover is exactly the same: only how much you pay when you use it changes. This is what your health insurance includes.
24h emergency care
Hospital and home emergency care, available at any time.
Primary care
General and family medicine, paediatrics and nursing, for your family's everyday needs.
Specialist medicine
Access to a wide network of contracted specialists across Spain.
Diagnostic tests
Blood tests, ultrasounds, radiology and higher-complexity tests such as MRI, CT or PET.
Hospitalisation & surgery
Medical, surgical, paediatric and maternity hospitalisation, outpatient surgery and day hospital.
Prosthetics, implants & transplants
Includes bone marrow and cornea transplants, per your policy's conditions.
Dentistry & podiatry
Basic dentistry and podiatry, up to 12 sessions a year.
Travel assistance
Medical expenses abroad up to €20,000 per insured person and trip.
It also includes psychotherapy, family planning, birth preparation, a second medical opinion and preventive medicine. Cover, limits and waiting periods are detailed in the precontractual documentation, which I explain before you decide anything.
Three levels, the same cover.
The difference between the three levels is how much you pay each time you use a medical service (the copay) and, in exchange, how much you pay in monthly premium. The lower the copay, the higher the premium tends to be — and vice versa.
Health No Copay
See a doctor as often as you need, without paying anything per visit or test. It's the level with the highest premium of the three, but also the simplest: no surprises, no extra payments.
Health Reduced Copay
You pay a small amount each time you use the insurance, in exchange for a lower monthly premium than No Copay. The middle ground most families choose.
Health Standard Copay
The lowest monthly premium of the three levels. You pay a bit more each time you use a service, with an annual copay cap so your spending never runs away from you.
Copay amounts shown are indicative of the current product and subject to update. The premium for each level depends on each insured person's age and area; I'll calculate it for you at no obligation. Full detail on copays, limits and cover is in the general and specific conditions of the policy.
Built for the whole family
You can include up to 10 people on the same policy — you, your partner, your children — and each one can have, if it makes sense, a different copay level depending on how often they see a doctor. I'll help you decide the combination that pays off for you.
Health questionnaire: no small print
Before contracting, you fill in a simple health questionnaire about your condition and habits. The law requires it to be truthful, and it works in your favour: you know exactly what's covered from day one. If you have any doubts about your case, I'll clear them up before you sign anything.
What's left out of cover.
Like any health insurance, it has exclusions and waiting periods. These are the most relevant ones; I'll walk you through the rest before you contract.
Undeclared pre-existing conditionsConditions that existed before contracting and weren't declared in the health questionnaire.
Cosmetic surgery and treatmentsTechniques for purely aesthetic purposes, outside medically necessary reconstruction.
Experimental treatmentsTechniques not recognised or not standard in everyday medical practice.
Providers outside the medical networkCare from professionals or centres not contracted by the insurer, except in life-threatening emergencies.
Hospitalisation also has an 8-month waiting period, and benefits such as outpatient surgery, psychotherapy or certain diagnostic tests have a 6-month waiting period. The full list of exclusions and waiting periods appears in the general conditions, which I give you before contracting.
Your health insurance, in three steps.
No jargon, no obligation upfront.
Tell me who needs cover
You, your family, or both. We look at ages, location and how often you tend to see a doctor.
I guide you to your copay level
I'll explain which one pays off for your case, and prepare the real price for each option.
You decide, no pressure
And I stay by your side if your situation changes over time.
Why choose your copay level with me.
Choosing between the three levels isn't guesswork: it's doing the maths with someone who knows you. I'll help you work out how often you and your family see a doctor, and which combination of premium and copay actually pays off — without pushing you towards the most expensive level.
- ✓ I study your real situation before proposing anything
- ✓ I explain the questionnaire, waiting periods and exclusions with no small print
- ✓ Getting advice from me costs you nothing extra
Registered in the Spanish Insurance Distributors Register (DGSFP) no. C0133X4340072H
About me →Before you write to me.
The questions I get asked the most. If yours isn't here, write to me and I'll answer personally.
What's the difference between the three copay levels?
What exactly is a copay?
What does the health insurance cover?
Is there a waiting period?
Can I insure my whole family on the same policy?
What happens if I have a pre-existing condition?
Does asking for a quote commit me to anything?
Can I switch copay levels once the policy is already taken out?
Does it cover pregnancy if I'm already pregnant when I take out the policy?
Can I have an MRI or a CT scan right after taking out the insurance?
Does it include psychologist or psychotherapy sessions?
Does it cover dental check-ups or only emergencies?
Is there an age limit to take out health insurance?
What happens if I travel abroad and need medical assistance?
Can I use the insurance in any region of Spain?
Does it cover fertility treatments?
Can I add my baby to the policy as soon as they're born?
Does it cover planned surgical operations?
Can I remove a family member without cancelling the whole policy?
What do I need to book an appointment with a specialist in the medical network?
Tell me your case and let's choose your copay level together.
A 5-minute call is enough to find out which level pays off for you and your family. No obligation, and getting advice from me costs you nothing extra.