Caser Health Insurance for expats in Spain
All you need to think about is enjoying your new life
At Caser, we take care of everything so that you don’t miss out on anything
CASER HEALTH FAMILY
CASER ADAPTA + SONRISA ESENCIAL HEALTH INSURANCE
A complete insurance scheme that includes dental health within the same policy. With no copay or initial waiting period, covers all dental specialties and includes 4O services for free.
Savings of up to 5O% on private dental treatments.
CASER HEALTH FAMILY
CASER INTEGRAL HEALTH
An insurance for the whole family with Caser Salud’s special cover? Bingo! Enjoy full health cover and the first 7 services without copay. It’s that easy!.Includes € 1OO in dental + € 1OO in optician’s costs + € 100 in pharmacy.Enjoy a 3O% discount on your health insurance.
CASER HEALTH FAMILY
CASER PRESTIGIO HEALTH INSURANCE
The name says it all: full coverage, no copay and with our most prestigious doctors and centres ... or the ones you choose! In addition, we reimburse you up to 9O% of the costs. Access any specialist in the country and the world, and which doesn’t charge you co-payments
CASER HEALTH YOUNG
CASER ACTIVA HEALTH INSURANCE
An insurance as young and independent as you. Covers hospitalization, surgical interventions and the best specialists and medical centres. Includes € 1OO in dental + € 1OO in optician’s costs + € 1OO in pharmacy.Enjoy a 3O% discount on your health insurance.
CASER HEALTH NOW
CASER INICIA HEALTH INSURANCE
Perfect for regular use: covers consultations, tests and assessments. Forget waiting lists and access all services for a monthly payment at the best price and a very low copay. Enjoy a 3O% discount on your health insurance.
CASER HEALTH NOW
CASER MÉDICA HEALTH INSURANCE
Insurance for the whole family. Access consultations with specialists, diagnostic tests, or outpatient services without waiting lists or copay.
Your new life is smiling at youMore information
With caser there are only advantages
Help covering your optical expenses. Covering your pharmaceutical and child vaccine expenses.
Directly access specialist consultations and diagnostic tests.
A great medical team
One of the most extensive and prestigious available. The best professionals in all medical specialities with the most advanced diagnostic procedures.
Special rates for different age groups. And up to 30% off if you sign up before 31 August!. Get special prices on Health and Well-being services with Caser Health + Benefits.
Resolve your queries…
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.
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.
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.
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.
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.
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.
In our range of products, there are insurance policies that require co-payment and those without co-payment, to allow the price to be tailored better depending on each person’s use.
The products that offer co-payment involve your co-participation for use of a service. For the products without co-payment, you only pay the cost of the premium.
We have designed a series of products adjusted to customers who make less use of their insurance, so that the customer pays a low fee and only pays for what they need via co-payment.
Yes, as long as they are in our extensive directory of renowned medical professionals.
In the event that you wish to visit a doctor who cannot be found in our approved medical directory, we recommend “Caser Salud Prestigio”, given that it offers the reimbursement payment method and you have complete freedom to choose a doctor.
Co-payment means that insured persons participate in the cost of the services that are included in the majority of medical insurance policies on the market.
This involves a payment of a small amount by the insured person to make use of certain services, and that way, avoiding an increase in the generic cost of the premium for all customers who hold the same insurance, by assigning these amounts according to the individual use of each person.
Reimbursement is a type of insurance where you decide at any time which doctor you want to consult, who you want to operate on you and which centre you want to be admitted to. If they are not in Caser’s medical directory, you will pay the costs and then we will subsequently reimburse you with a proportion of the charges, between 80 and 90% depending on the service, up to a limit of €210,000 per insured person, per year.
You can start using it from the first date that appears on your contract. When you are taking out a policy online, we will ask you from which date you would like the policy to take effect.
You have to bear in mind that in order for us to register a policy, this needs to have been paid beforehand to cover the first month as a minimum. Remember that there are qualifying periods for certain services.