Caser Health Insurance for expats in Spain

We look after your business interests, putting your health first

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To make the process as smooth as possible, when taking out health insurance be sure you have your NIE and Spain residence permit.

At Caser, we take care of everything so that you don’t miss out on anything

CASER INTEGRAL health for SMEs

Look after you and yours
with all the essential Benefits
and coverage at your fingertips.
  • The most comprehensive
    and tailored covered for
    independent organizations.
  • Zero co-payments *.
  • Second medical opinion and
    insurance coverage abroad.
  • Plus, enjoy 1O% off for every
    additional person insured.*
  • Get a FREE food intolerance
    test 
    on any policy you take
    out before 31 January 2O18.

From

  • 39
  • /month*

I'M INTERESTED
CASER MÉDICA health for SMEs

All your needs covered for
the best price. The perfect
complement to social security.
  • Ambulance assistance.
    and tailored covered for
    Specialist and primary care.
  • Second medical opinion.
  • Assistance abroad.
  • 24/7 online and phone medical
    and paediatric assistance.
  • Plus, enjoy 1O% off for every
    additional person insured.*

From

  • 17
  • /month*

I'M INTERESTED
CASER PRESTIGIO Health for SMEs

Choose a professional either
within or outside of our medical
staff portfolio, in Spain or abroad.
  • Reimbursement of expenses
    for specialists outside of
    the Caser medica
    team portfolio.
  • Private room.
  • Assistance abroad.
  • Second medical opinion.
  • 24/7 online and phone
    medicaland paediatric assistance.
  • Plus, enjoy 1O% off for every
    additional person insured.*

From

  • 58
  • /month*

I'M INTERESTED
CASER ACTIVA Health for SMEs

Everything you need at a highly
competitiveprice with
tailored co-payments.
  • Second medical opinion.
  • Assistance abroad.
  • Private room.
  • 24/7 online and phone medical
    and paediatric assistance
  • Get a FREE food intolerance test
    on any policy 
    you take out
    before 31 January 2018*.
  • Plus, enjoy 1O% off for every
    additional person insured.*

From

  • 28
  • /month*

I'M INTERESTED

* In addition, independent organizations can get up to 1O% off least two individuals are covered via the policy.

* No co-payment except psychology (€8/ per adult session).

*No waiting periods except childbirth and assisted reproduction

Resolve your queries…

Contract

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.

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).

In the event of falsehood, inaccuracy or intentional omission of information in any of the declarations made in the questionnaire, the Company may cancel the insurance policy.

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.

Of course you can, the more the better. You can save up to 35% discount on some of our products if you take out a family policy.

In the case of a new-born baby, if you have held a policy with us for longer than 8 months, don’t forget that you have 15 days to include him/her without any gaps in coverage or pre-existing conditions and without completing a health questionnaire.

Yes, it is possible. Our intention is to always be able to offer you a quality medical insurance policy that is tailored to your needs.

However, there are some illnesses that we cannot insure given that the monthly premium would be excessively high, as well as the payment for use of the services.

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.

Insurance usage

Depending on the product, the age limit is currently set between the ages of 64 and 69 years. Please check the product’s terms and conditions.

Caser will be able to amend the applicable premium for the following year’s coverage, in the event of co-payment amounts, taking as a base the technical actuarial calculations and RPI health insurance, the frequency of using the guaranteed coverage, the inclusion of medical advances or new coverage insured with each annual policy renewal, as well as updates from family or promotional discounts at the time of taking out the policy.

In the event that the premiums are amended, you will receive notification of this amendment for the following year’s policy two months prior to the policy’s expiry, where you may choose between renewing your medical insurance policy which assumes that you accept the new financial terms, or cancelling at the end of the current annuity, by means of a written notification directed to the insurance company.

The premiums to be paid will vary according to the annual increase in the healthcare system’s medical costs, as well as the increased age of each insured person, any variation in the number of people on the policy, customer loyalty, promotional conditions (if they were in your policy contract) and the geographical area corresponding to the provision address, by applying the rates that the insured person has in force on the date of each renewal.

The premiums are subject to the application of legally recoverable taxes on the first invoice (0.15% L.E.A.) and the IPT for their part of the corresponding cover. The health insurance premiums are exempt from Insurance Premium Tax (IPT), except for the part of the premium intended to cover Travel Assistance, if included.

Depending on the product, the age limit is currently set between the ages of 64 and 69 years. Please check the product’s terms and conditions.

The insurance is contracted for the period envisaged in the Particular Conditions. On its expiry, it shall be tacitly renewed annually. However, any of the parties may object to the renewal via written notification to the other party, when carried out in advance no less than one month prior to the conclusion of the current insurance period if the policyholder, and two months if it is the insurer.

In any event, the insurance company agrees to:

  • Not terminate the policy when the insured person is undergoing hospital treatment, until discharged thereof, except when the insured person declines to receive any continued treatment.

  • Not object to the renewal of medical insurance that the insured persons hold in certain situations of serious illness, as long as the initial diagnosis has been made during their policy’s effective period. The following diseases will be classed as ongoing treatment within the contract:

    • Active oncological processes.

    • Heart disease that requires surgical or interventionist treatment.

    • Organ transplant.

    • Complex orthopaedic surgery that is still ongoing.

    • Degenerative and demyelinating diseases of the nervous system.

    • Acute kidney failure.

    • Chronic respiratory failure.

    • Acute myocardial infarction with heart failure.

    • Macular degeneration.

    • Not oppose the policy renewal with regard to insurance policies that include insured persons over the age of 65, when their accredited presence with the entity (excluding non-payment) reaches a continuous length of service of 5 or more years.

    The previous agreements will not apply or will cease to have effect in those cases where:

    • The insured person has failed to meet their obligations or has failed to disclose information or has inaccurately provided information themselves at the time of declaring the risk.

    • This would happen in the event of any non-payment or refusal to pay the premium on accepting their renewal by the policyholder.

    • The Policyholder does not agree to the Renewal terms and conditions.

    This waiver on behalf of the Company, in their right to object to continue the policy, requires that the policyholder accepts the premium, without fail, and shares in the cost of their corresponding services (co-payments), and that the insurer may periodically modify them to accommodate any change in the insurance costs, while adhering to actuarial criteria and within the limits established by law and by the contract.