INDIVIDUALS
I need cover for myself or my family
We guide you according to your profile and the type of cover you need.
Review my situationHEALTH INSURANCE · MEDICAL CARE
Choose your health insurance with confidence
We compare co-payments, hospitalisation, provider networks, reimbursement and plan types with you, so you know what you are choosing.
BUSINESSES / SELF-EMPLOYED
I need cover for my business or activity
We review options for self-employed professionals, small teams and business health needs.
See options
Without making price the only factor
Real differences between policies
Support before and after you buy
+10 years of experience
+1.200 families protected
DGSFP-registered agents
HEALTH PLAN TYPES
Health insurance plans do not all cover the same things
The difference is not just the price. Hospitalisation, co-payments, provider networks, free choice and how you use the policy can all change.
COMPREHENSIVE HEALTH
Complete cover for everyday care and hospitalisation
Consultations, specialists, tests and hospitalisation within one policy. A complete option for those who want outpatient and hospital care together.
- Hospitalisation included
- With or without co-payments
- For individuals and families
OUTPATIENT
Medical access without hospitalisation
Consultations, specialists and diagnostic tests without hospitalisation. Designed for those seeking private medicine at a more contained monthly cost.
View outpatient optionSENIOR
Cover adapted from age 55
Options adapted for people from age 55; conditions and services should be reviewed according to each policyholder’s age and profile.
Ask about senior optionsREIMBURSEMENT
More freedom to choose your doctor
Use the provider network and, depending on the policy, also see external professionals while recovering part of the bill.
Understand reimbursementSTUDIES AND RESIDENCE
Health insurance for living in Spain
Specific insurance for studies or residence in Spain, with cover and documentation adapted to the relevant process.
Go to insurance for foreignersKEY COVER POINTS
What really changes from one policy to another
Before comparing prices, it helps to know what each plan includes, what may differ and what you pay when you use it.
Outpatient or comprehensive cover
Outpatient cover includes consultations, specialists, tests and treatments. Comprehensive cover adds hospitalisation, surgery and related benefits.
Provider network or reimbursement
A provider network gives you access to contracted professionals and centres. Reimbursement lets you choose and recover part of the cost according to your policy.
Co-payments: none, low or high
Some plans have no co-payments while others have different co-payment levels. This affects the premium and what you pay each time you use the policy.
BEFORE YOU BUY
Five points worth reviewing before you buy
Price matters, but it does not explain on its own how a policy will work. Hospitalisation, co-payments, choice of doctor, waiting periods and territorial scope can change the experience significantly.
Review my situation01
Hospitalisation
Does it include inpatient and surgical care?Outpatient plans do not include hospitalisation. Comprehensive plans do.
02
Co-payments
Do you pay each time you use the policy?You can choose no co-payments, low or high co-payments. This affects the premium and your cost per use.
03
Choice of doctor
Provider network or reimbursement?A provider network gives you access to its contracted network. Reimbursement lets you choose and recover part of the bill.
04
Waiting periods and acceptance
When can you use each benefit?Some benefits have waiting periods and are subject to a health questionnaire.
05
Where and why you need cover
Do you need it for residence, studies or cover outside Spain?Not all products have the same territory or serve the same purpose.
PROFILES AND USE CASES
What type of cover could fit you?
The right cover depends on who is insured, how you plan to use it and the level of protection you need. Start with the profile closest to your situation.
This selection is only a starting point. We will review the actual conditions with you before recommending a plan.
INITIAL GUIDANCE
Tell us about your case
With a few details, we can understand what you are looking for and give you initial guidance before preparing specific options.
For a quick enquiry, you can also write to us directly on WhatsApp.
HEALTH FAQs
Clear answers before you buy
These are some of the questions that come up most when comparing health insurance. We answer them directly so you know what to review in your situation.
No. Basic plans focus on outpatient medicine, such as consultations, specialists and tests. If you need hospital and surgical cover, choose a comprehensive plan.
A co-payment is an amount paid when you use certain medical services. Reimbursement may allow you to see professionals outside the provider network and recover part of the bill within the policy limits.
Specific insurance exists for studies and residence in Spain. The right plan depends on the process, duration, age, cover dates and required documentation.
This may depend on the product, when you request the change and the policy conditions. Review cover, waiting periods, health questionnaires and effective dates first.
WHENEVER YOU ARE READY
Shall we review it with you?
Tell us what you need, we compare the options that may genuinely fit and you decide with all the information, without pressure.
01
Tell us
Your situation, what you want to cover and how you plan to use the insurance.
02
We compare
We review relevant plans, differences and conditions.
03
You decide
We explain the options clearly and you choose without pressure.
Other ways we can help
We can also help with other protection needs
HEALTHY SMILE
Dental
A clearer way to review check-ups, emergencies, specialist care and included services without reducing everything to one cleaning or one occasional visit.
FAMILY PLANNING
Funeral
Complete funeral service, family support, administrative arrangements and additional cover adapted to each family.