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Divina Pastora Health Insurance Spain

Divina Pastora Seguros Spain is a type of mutual association that was created in the province of Valencia, its current headquarters, on March 7, 1957. On that date, the Social Welfare Fund called “Divina Pastora” was established. Its founder was the Capuchin Father Salvador de Rafelbunyol, who created this association with the purpose of offering both welfare and security benefits to a certain sector of society. This was necessary at the time since there was little social protection back then. This mutuality was also designed to assist workers in the domestic sector who did not have coverage or benefits. Today, it is an insurance company with an excellent reputation that has a good number of clients throughout Spain, where one of its best products is the Divina Pastora Health Insurance Spain.

With the Divina Pastora Spain health policy, great advantages are obtained, allowing the client to have protection for their health. This has allowed the Divina Pastora Health Insurance Spain to be considered one of the best in the field. Likewise, with the Divina Pastora Spain medical directory, we obtain first-class care with specialized doctors and highly reputable health centers. Without a doubt, clients can have the best Divina Pastora Spain healthcare assistance to ensure the best care for their health. In this way, this prestigious insurer has managed to satisfy all its clients through highly attractive solutions, achieving the best for our health.

Divina Pastora Spain offers you Divina Pastora Health, Divina Pastora Funeral, Divina Pastora Life, Divina Pastora Home, Divina Pastora Dental, Legal Defense, insurance for sporting events, and business.

What Does the Divina Pastora Health Insurance Spain Cover?

In Spain, accessing a quality healthcare system is something very difficult. This is something that increasingly worries people who wish to protect both their health and that of all the members of their family. Therefore, by contracting the Divina Pastora Health Insurance Spain, you will be able to have all the benefits for the care of your health at your fingertips. Consultations, diagnostic tests, emergency services, and even medical test results are not easy to obtain in a short time in public healthcare. This is because one has to endure long waiting times to use any of these services. That is why the most important thing is to have the benefits that only the health policy and the Divina Pastora Spain medical directory can offer you.

However, many ask themselves: What Does the Divina Pastora Health Insurance Spain Cover? In reality, there are many benefits it offers, where you get the best for your health and that of your loved ones. Thus, by contracting the Divina Pastora Health Insurance Spain, you can have the peace of mind you so much need. Divina Pastora offers you 2 modalities: Divina Pastora Specialists Insurance and Divina Pastora Complete Insurance. Each one of them adapts to every requirement, so that you feel protected.

With Divina Pastora Specialists Insurance, you have a complete outpatient policy. It offers you primary and specialist care and even access to diagnostic means. It also includes attractive coverage such as pregnancy monitoring, childbirth preparation course, and childbirth assistance. It has the modality of medium copayments (for specialist B) or low (for specialist A).

The Divina Pastora Complete Insurance is the most complete policy it offers you. It includes hospitalization (both medical and surgical, as well as obstetric, pediatric, psychiatric, and in ICU). It has 2 contracting modalities: Complete with low copayments and Complete without copayments (but with a slightly higher premium). It also offers you the possibility of accessing diagnostic tests and you can choose doctors outside their medical directory in the specialties of Pediatrics and Gynecology, where 50% is reimbursed.

Conditions to Contract the Divina Pastora Health Insurance Spain

When contracting the Divina Pastora Health Insurance Spain, we have the best to safeguard and protect our health. That is how, since its beginnings, Divina Pastora has given its best so that all its clients feel satisfied. There is no doubt that this is something essential. However, to be able to acquire one of them, you must know that it has its exclusions and, therefore, they must be respected. Because of this, many ask: what conditions are established when contracting the Divina Pastora Health Insurance Spain? Well, the most important are:

You must inform where your residence is located. In case you are a Spanish resident, you can acquire the Divina Pastora Health Insurance.
In order to contract the Divina Pastora Health Insurance Spain, the first thing you must do is fill out our form which is located at the beginning of the article. Then, any of our agents can take note of your data and will call you to verify the information you have requested. Afterwards, you will be called again to complete a questionnaire over the phone. It is important to highlight that our agents will be able to advise you throughout the entire contracting process.
If your age is between 18 and 59 years old, you can contract the Divina Pastora Health Insurance.
You will be asked for information about your health status.
You must indicate what occupation you practice.

What documentation do I need to contract the Divina Pastora Health Insurance Spain?

If you want to contract the Divina Pastora Health Insurance Spain, you must know that it is essential to provide certain documents with which you can justify your health condition. These documents and other requirements are necessary for insurance companies. That is why they must be completed and collected before the process of contracting a health policy is carried out. Now then: What documentation do I need to contract the Divina Pastora Health Insurance Spain? Let’s see:

1. Indicate Name and surname. It is imperative to provide the name and surname of the person who wishes to obtain the Divina Pastora Health Insurance Spain.
2. Photocopy of DNI, NIE or passport of the policyholder. Any of these documents can be submitted for the processing of Divina Pastora Health Insurance Spain, but they must be fully valid. Therefore, if they are expired, they will not be accepted.
3. Have a bank account in Spain.
4. Provide the residential address. In this case, Divina Pastora requires this information in order to calculate the health insurance premium. Therefore, it is important to provide this information when requesting the contracting of the Divina Pastora Health Insurance Spain.
5. Fill out the health questionnaire. By completing the health questionnaire, it is possible for Divina Pastora to determine whether the person contracting the health insurance suffers from any chronic or pre-existing illness. Also, if they have any habits such as being a smoker or alcohol consumer.

What factors influence the price of the Divina Pastora Health Insurance Spain?

The health insurance and Divina Pastora Spain healthcare assistance offers you efficient care, whether for the policyholder or for the beneficiaries that the insured has established in the policy. However, it is important to know that not all insurances have the same cost, since there are some elements that alter their price. But: What factors influence the price of the Divina Pastora Health Insurance Spain to obtain one of them? Let’s see them below:

Is having good health indispensable to obtain the Divina Pastora Health Insurance Spain? Yes, it is essential to have good health to contract the Divina Pastora health insurance. For this, a medical questionnaire must be answered. In this way, the health status of the contracting person is verified, regardless of their age. With this, a medical history is obtained which specifies whether they have previous illnesses, surgical interventions, medical treatments, among others.

Does age affect the contracting of the Divina Pastora Health Insurance Spain? Yes, it does. This is perhaps the factor that most influences when calculating the risks. Regarding health, the older you are, the more likely you are to develop illnesses. However, if you are young, it also influences the cost because if they are babies, the younger they are, the more emergency services they may require.

Can the coverages influence the contracting of the Divina Pastora Health Insurance Spain? Evidently yes, they influence, since generally, there are products or medical insurances in which you can have medical assistance, but they do not cover hospitalization or surgical interventions. In those cases, they are products with affordable prices. But on the other hand, there are more complete healthcare insurances that include medical visits, tests, and treatments. As well as surgical interventions and all kinds of hospitalization. This is generally more expensive.

Does the place of residence affect the price of the Divina Pastora Health Insurance Spain policy? Yes, it affects, since this is a factor that insurance companies usually take into account when setting the insurance premium. This is because healthcare costs can vary from one province to another.

If the Divina Pastora Health Insurance Spain has a medical directory or reimbursement, can it affect its price? There is no doubt that both factors affect the price of the insurance to be contracted. In a health insurance with a medical directory, the insurance company offers its insured its medical directory of professionals and medical centers without having to pay any invoice (according to the terms of the contract and without choosing a product modality with copayments). Now, in the case of a reimbursement policy, the insured can choose any center or doctor outside the medical directory that is not arranged by the company. In that case, they would pay the invoice and then manage the reimbursement with the insurer.

Does having the Copayment modality in the Divina Pastora Health Insurance Spain affect the price? Copayments are a modality in which, for a certain amount of money, users of some policies must pay when they use a specific medical service. Generally, insurers offer health products with copayments to reduce the cost of the insurance. Therefore, the higher the copayment, the more adjusted the cost will be. In short, it does influence the price.

Does the number of people to be insured influence the cost of the Divina Pastora Health Insurance Spain? Yes, it does. Some insurers offer discounts for adding several insured persons. Mostly, this is done in health policies that have coverages and services designed for all family members. In other cases, the policies may be more expensive.

How can I cancel the Divina Pastora Health Insurance Spain?

There are many reasons why people who have a contracted health insurance find themselves needing to cancel it. But, How can I cancel the Divina Pastora Health Insurance Spain? Canceling health insurance is a simple procedure. Let’s see what you need to do:

The Divina Pastora Health Insurance Spain contract is for 12 months, but this does not only apply to Divina Pastora, as all health insurance companies have the same parameters. Due to this, the health insurance law in Spain indicates that in order to cancel the Divina Pastora Health Insurance Spain, you only need to notify Divina Pastora at least one month before the end of the contract year. For example: if your Divina Pastora Health Insurance policy Spain, or any other health insurance company’s policy, ends on December 31, you only need to inform the insurance company of your decision not to renew it before November 30.

What is the waiting period of the Divina Pastora Health Insurance Spain?

By contracting the health insurance and with its Divina Pastora Spain healthcare assistance, you can obtain many benefits. That is why many people choose to have this wonderful health policy in order to feel protected in terms of health. Now, it is important to know that almost all insurances have waiting periods that must be respected. A waiting period in health insurance is the time you must wait before being able to use some services or coverages. Since this is something that concerns clients, many of them ask: what is the waiting period of the Divina Pastora Health Insurance Spain?

We already mentioned that the Waiting Period is the initial period of time during which the pathologies diagnosed in the Insured cannot be covered, and it generally lasts 30 days for simple illnesses and around 90 days at most for more complex pathologies, starting from the moment the health insurance is contracted. Except in the case of accidental emergencies, mostly. Now, the time will depend on the type of health insurance you contract, as well as on the care you need.

Waiting periods serve as a guarantee for insurance companies. In this way, they ensure that the client does not subscribe to the health insurance solely to cover a specific need and, once that is covered, cancels the contract.

What exclusions does the Divina Pastora Health Insurance Spain have?

Exclusions in health insurance are nothing more than a series of situations that are not covered by the care the policies offer. That is why, since there are several exclusions that exist in a health insurance policy, it is important to know: What exclusions does the Divina Pastora Health Insurance Spain have? Well, let’s look at the most important ones:

Cosmetic surgery, that is, specialties in reconstructive plastic surgery and refractive surgery such as for myopia, hyperopia, and astigmatism are excluded.
Healthcare related to pathologies, accidents, malformations, injuries, or defects due to: terrorist acts, war conflicts, nuclear radiation, sports practice, work-related or professional accidents, traffic accidents, among others.
Transplants, except for bone marrow and cornea transplants.
Healthcare in the case of pre-existing diseases and injuries, or even sequelae due to an accident before contracting the insurance.
Healthcare due to negligence as a consequence of drug addiction, self-harm, alcoholism, use of narcotics, attempted suicide, among others…
Voluntary interruption of pregnancy. This includes assistance with home births or even by other alternative means.
The value and price of pharmaceutical products. Except those administered during the hospitalization process, such as drugs used in chemotherapy. Medications not authorized in Spain are also not covered.
Hospitalization for social causes. This refers to patients with functional deterioration, suffering from chronic illness or even pathologies associated with aging.

Can I contract the Divina Pastora Health Insurance with a serious illness?

When we want to obtain a health insurance policy, generally, one of the most frequently asked questions by applicants for the Divina Pastora Health Insurance is: Can I contract the Divina Pastora Health Insurance Spain with a serious illness? Among the elements that influence the inability to contract the health insurance and its Divina Pastora Spain medical directory are serious illnesses.

In general, all insurance companies do not approve policies if the applicant has a pre-existing illness or any other prior pathology. To certify this, it is required to fill out the health questionnaire where the illnesses that the person has or has had must be indicated. Likewise, injuries and surgical operations that the person had in the past and that left aftereffects must be indicated. With this, the insurance company assesses the application and the risk that a specific client represents. Therefore, if you suffer from any of these, it will be difficult for you to contract the Divina Pastora Health Insurance in Spain.

In these cases, and due to the high risk it implies for insurers, the law article 10 of Law 50/1980, of October 8, on the insurance contract in Spain indicates that the insurance company will be exempt from paying any compensation. This applies in cases where false data is provided in the medical questionnaire about the person’s health status, thus omitting any serious pre-existing illness.

However, in the case that any person who wishes to contract health insurance had at some point a serious pathology, it will be possible to contract the Divina Pastora Health Insurance Spain only if they have overcome said illness, without having serious aftereffects. For this, their current condition must be previously verified.