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Jose Muñoz Blanco

“They called me at the time I requested, great service, the health insurance enrollment was easy, and at a price lower than what I’m currently paying. ”

Alba Navarro Pérez

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BBVA Health Insurance Spain

BBVA Seguros España is an insurance and reinsurance company belonging to the Banco Bilbao Vizcaya Argentaria Group. This global group was founded in 1857 and to this day holds a strong leadership position in the Spanish insurance market. The renowned group has its own subsidiary for health and life insurance policies, which are often contracted together with various financial products such as mortgages, loans, and others. In the health and life insurance segment, the company ranks among the most prominent across Spain, where it also markets home insurance. Thus, BBVA was established to guarantee healthcare assistance to anyone who needs it, with BBVA Health Insurance Spain being its flagship product.

BBVA Seguros is an insurance company that provides everything necessary for its clients to feel protected in terms of health. The BBVA Health Insurance Spain policy is a formidable product offering its customers effective, fast, and timely care. This has allowed BBVA to provide excellent services, including outstanding primary care, excellent emergency services, a broad network of medical professionals, and many other benefits. BBVA Health Insurance stands out because it offers clients a series of flexible policies, allowing insured individuals to add coverages based on their needs. This provides the company with a strong endorsement for offering very comprehensive coverage options.

All of this has enabled BBVA Health Insurance Spain to be ranked among the best health insurance providers in Spain. Additionally, with the BBVA medical network, clients have access to excellent specialized medical services. The company employs highly experienced medical professionals and offers access to high-quality healthcare centers for the satisfaction of all its clients. Therefore, BBVA customers enjoy the best healthcare assistance BBVA Spain can provide.

Similarly, BBVA Spain offers a wide range of insurance products including BBVA Life, BBVA Health, BBVA Home, and many more.

What Does BBVA Health Insurance Spain Cover?

When you purchase BBVA Health Insurance Spain, you gain great benefits—something that is not easy to obtain with public healthcare, since being a free service it is often highly congested. This results in long waiting times that can last several months. Therefore, the most important thing is to have timely protection through the advantages offered by both the BBVA health insurance and the BBVA medical network.

But: What Does BBVA Health Insurance Spain Cover? With BBVA, you can access many services ranging from excellent primary care, diagnostic tests, to highly efficient emergency services. Thus, when you contract BBVA Health Insurance Spain, both you and your family will have what you need for your health. BBVA offers two plans: BBVA Más Salud in two versions—With copayments and Without copayments—and BBVA Más Salud Esencial.

With the copayment plan, you pay nothing for the first 6 annual services. The no-copayment plan benefits those who do not want to make any extra payments when using medical services. The BBVA Más Salud Esencial plan offers the same coverage as BBVA Más Salud but with a lower fee and higher copayments, so you only pay for what you use. These are excellent options tailored to each person’s needs, allowing you to feel protected according to your requirements.

BBVA Más Salud and BBVA Más Salud Esencial are medical assistance insurance plans that cover the same services but differ in the copayment and no-copayment options mentioned earlier. They cover General medicine and specialties, Surgery and hospitalization, Pregnancy and childbirth follow-up, Treatments, Dental 21, Tests and diagnostics, Second medical opinion, 24-hour telephone emergencies, Prosthetics, Emergency care abroad with coverage up to €12,000 per person, Podiatry, Speech therapy, Prevention programs, and more.

Conditions to Contract BBVA Health Insurance Spain

When contracting BBVA Health Insurance Spain, you get the best in healthcare. This is important because, as the pillar of your family, you should seek to provide them with the best protection. However, it is important to know that there are some conditions to be met when contracting it. So, what conditions are established to contract BBVA Health Insurance Spain? Let’s see the following:

You must inform where your residence is fixed. If you are a Spanish resident, it is possible to contract BBVA Health Insurance.
You must fill out our form located at the beginning of the article if you wish to contract BBVA Health Insurance Spain. Then, one of our agents will take note and call you to verify the information you have requested. Afterwards, you will be contacted again to complete a questionnaire via telephone. It is important to highlight that any of our agents can assist you throughout the entire contracting process.
If your age is between 18 and 65 years, you can contract BBVA Health Insurance.
You will be asked for information about your health status; for this, you must fill out the health questionnaire.
You must indicate the occupation you perform.

What documentation do I need to contract BBVA Health Insurance Spain?

To obtain the benefits of BBVA Health Insurance Spain, you should know that certain documents are required to justify the health condition. These documents and other requirements are essential for the insurers when checking the contracting person. So: What documentation do I need to contract BBVA Health Insurance Spain? Let’s see what they are:

Fill out the health questionnaire. By completing the health questionnaire, BBVA determines if the person seeking the health insurance has any chronic or pre-existing conditions. Likewise, it will be known if the person has any habits such as smoking or alcohol consumption.
Provide full name. It is important to supply the first and last names of the person who wishes to get BBVA Health Insurance Spain.
Provide a photocopy of DNI, NIE, or passport of the insurance holder. Any of these documents are fully valid to apply for BBVA Health Insurance Spain. However, it is important to note that these must be valid. Therefore, expired documents will not be accepted.
Have a bank account in Spain.
Provide your residence address. In order to calculate the health insurance premium, BBVA requires this important information. Therefore, it is essential to provide it when requesting BBVA Health Insurance Spain.

What factors influence the price of BBVA Health Insurance Spain?

When contracting and obtaining BBVA Health Insurance and healthcare assistance in Spain, the client and their family receive quality care. Therefore, when you purchase it, you will have excellent benefits. Now, when contracting these policies, you will surely notice that prices vary. This is because several factors affect the price. But what factors influence the price of BBVA Health Insurance Spain? Let’s look at some questions and answers that explain which factors affect it:

Does having a medical network or reimbursement option affect the price of BBVA Health Insurance Spain? Yes, it does. If the policy includes the reimbursement option, the insured can choose any center or doctor outside the company’s agreed medical network. In this case, the insured pays the bill first and then claims reimbursement from the insurer. On the other hand, if the health insurance includes a medical network, the insurer offers its clients access to professionals and medical centers without additional charges.

Does the place of residence affect the price of BBVA Health Insurance Spain? Yes, it does, since healthcare costs may vary between provinces.

Does having multiple coverages influence the price when contracting BBVA Health Insurance Spain? Definitely yes. Generally, there are basic health products that are very cheap but do not cover hospitalization or surgeries. However, more comprehensive insurance policies include benefits such as tests, treatments, surgeries, and hospitalization, which are more expensive.

Can having a copayment option affect the price of BBVA Health Insurance Spain? Usually, insurance companies offer copayment options to reduce the cost of insurance. Copayment means the insured pays a small amount when using certain medical services. Therefore, the higher the copayment, the lower the insurance premium. So yes, it definitely influences the price.

Does the number of insured individuals affect the cost of BBVA Health Insurance Spain? Yes, it does, because insurance companies often offer significant discounts for adding multiple insured people. This mainly happens with policies that provide coverage and services designed for all family members. In some cases, policies may have higher costs. So yes, it affects the cost.

Is it essential to be in good health to contract BBVA Health Insurance Spain? Yes, good health is required to contract BBVA health insurance. This is verified by answering a medical questionnaire to create the insured’s medical history. This determines the health status of the person contracting the policy, regardless of age. The questionnaire should also specify if there are any prior conditions or surgeries, among other things.

Does age affect contracting BBVA Health Insurance Spain? Yes, it does. Age is the most influential factor when assessing risks. The older the person, the higher the likelihood of health issues. Similarly, age also affects pricing for young children since younger children tend to require more healthcare services.

How can I cancel BBVA Health Insurance Spain?

There are many reasons why some people who have health insurance decide to cancel it. However, many people don’t know how to do it. So, if you are one of them, you might ask: How can I cancel BBVA Health Insurance Spain? Well, canceling health insurance is easy to do. Let’s see how to do it:

It is known that the BBVA Health Insurance Spain contract lasts 12 months, but this is not only true for BBVA, as all health insurance companies follow the same rules. Because of this, the health insurance law in Spain states that to cancel BBVA Health Insurance Spain, you must notify BBVA at least one month before the contract reaches its one-year term. For example: if your BBVA health insurance policy or that of any other health insurance company ends on December 31, you only need to inform the insurer of your decision not to renew it before November 30.

What is the waiting period for BBVA Health Insurance Spain?

If you get BBVA Health Insurance Spain and healthcare assistance, you have everything essential for proper health care. However, it is important to know that this type of health policy has waiting periods that must be respected. A waiting period in health insurance is the amount of time you must wait before you can use certain medical services or coverages. Many people are unaware of the waiting period for BBVA Health Insurance Spain, so here we will tell you what it is before you get one.

Generally, the waiting period lasts 30 days for simple illnesses and up to 90 days for more complex conditions. This period starts from the date you contract the health insurance. Exceptions are made for accidental emergencies, which do not require waiting periods. The exact time will depend on the specific health insurance you choose, as well as the types of care you need.

You should also know that waiting periods are used as a guarantee for insurance companies. They ensure that clients do not sign up for health insurance just to cover a specific need and then cancel the contract once that need is met.

What exclusions does BBVA Health Insurance Spain have?

Exclusions or limitations in health insurance are those situations that cannot be covered by the policies for various reasons. Since there are many exclusions in health insurance, we can ask: What exclusions does BBVA Health Insurance Spain have? Below are the most important ones:

Healthcare related to pathologies, accidents, malformations, injuries, or defects caused by: terrorist acts, armed conflicts, nuclear radiation, sports practice, work-related or professional accidents, traffic accidents, among others.
Transplants, except for bone marrow and cornea transplants.
Healthcare due to negligence as a consequence of drug addiction, self-harm, alcoholism, use of narcotics, suicide attempts, among others…
Voluntary termination of pregnancy. This includes assistance with childbirth at private homes or by some other alternative means.
Hospitalization for social reasons. This applies to patients with functional deterioration, chronic illnesses, or pathologies associated with aging.

Can I get BBVA Health Insurance with a serious illness?

It is well known that one of the most frequent concerns among BBVA insurance clients is to know: Can I get BBVA Health Insurance Spain with a serious illness? The truth is that one of the main factors affecting the ability to obtain BBVA health insurance and its medical network are serious illnesses.

Most insurance companies reject health policies if the applicant has a pre-existing or serious illness. Because this is a significant limitation, many people do not disclose it and lie when filling out the health questionnaire, all just to obtain health insurance coverage.

For this reason, and to prevent false or misleading information that poses a high risk to insurers, there are laws protecting insurance companies. Specifically, Article 10 of Law 50/1980, dated October 8, on insurance contracts in Spain, states that the insurance company will be exempt from paying any compensation if false information is provided in the medical questionnaire regarding the applicant’s health status, especially if a serious or pre-existing illness is omitted.

However, there can be exceptions. If a person has had a serious illness in the past, they may still be able to obtain BBVA Health Insurance Spain, but only if they have fully recovered and have no serious lasting effects. This must be verified beforehand.