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▷ Health Insurance ⭐

“Without a doubt, the best. Very friendly and punctual on the call. They gave me accurate information about health insurance. Thank you so much! ”

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

FIATC Health Insurance Spain

FIATC Seguros Spain is a Spanish insurance company that emerged in 1930, when at that time, transporters in Barcelona founded the Mutual Federation of Industrial Road Transport of Catalonia. The purpose was to insure people, vehicles, and even merchandise, among other things. Today, FIATC is the second-largest mutual in all of Spain and the leading one in Catalonia, with its health insurance being one of its top products.

FIATC has grown significantly over the years, and in 2011, it inaugurated the Clínica Diagonal — a facility that has become the main healthcare reference center for insured clients. That same year, FIATC expanded its range of healthcare services throughout the Barcelona area. It currently has over 900,000 clients and nearly 1,000 employees. In the health insurance sector, FIATC has always stood out as one of the best, offering excellent options for all its clients.

The FIATC health policy in Spain is one of its products that offers formidable benefits. This makes FIATC Health Insurance Spain considered one of the best in terms of healthcare. Additionally, with the FIATC Spain medical directory, clients can rely on excellent medical care, supported by specialized doctors and high-quality, experienced health centers. Without a doubt, clients can count on the best medical care with FIATC Spain — something essential for their health.

FIATC Spain offers FIATC Dental, FIATC Home, FIATC Auto, FIATC Accidents, FIATC Funeral, FIATC Health, and many more.

What Does the FIATC Health Insurance Spain Cover?

By taking out FIATC Health Insurance Spain, we can obtain excellent services to protect our health. Among them are consultations, diagnostic tests, emergency services, and even medical test results. These are services that, as is well known, are difficult to access quickly through the public health system, where long waiting periods prevail. That is why the most important thing is to have the protection offered by the health policy and its FIATC Spain medical directory.

But before taking it out, you will surely ask yourself: What does FIATC Health Insurance Spain cover? Well, by taking out FIATC Health Insurance Spain, you and your family can obtain the peace of mind you need. FIATC offers you 6 plans: Medifiatc, Medifiatc P5, Medifiatc Multi, Medifiatc Start, Medifiatc P15, and Medifiatc Select. Each of them adapts to each need, so you and your family feel protected.

Medifiatc is a comprehensive health insurance with no copayments and at a competitive price. It covers: outpatient medical care such as visits, check-ups, diagnostic tests, and hospital medical care (treatments, hospitalization, and surgical interventions).

Medifiatc P5 is a health and hospital care insurance that offers reduced copayments to use its services with a lower fee than some other plans. It also covers second medical opinions and travel assistance.

Medifiatc Multi is a policy with great advantages that can cover everything necessary for your well-being. It covers basic coverages, hospitalization, pregnancy and childbirth follow-up, no copayments, with reimbursement.

Medifiatc Start is one of the basic health insurances with the lowest copayments on the market. It covers outpatient services. It also covers Primary Care, General Medicine, Pediatrics and Nursing, all medical specialties, Diagnostic Methods, Preventive Medicine, Home Emergencies, Special Treatments, Pregnancy follow-up.

Medifiatc P15 is your maximum coverage health insurance with an adjusted premium and copayment starting at €20.50. It covers private medical care with maximum coverage, hospitalization and surgical interventions. International second medical opinion for serious illnesses, general medicine in all specialties.

Medifiatc Select is a very useful policy that includes the best services, giving you the security of not having to wait as in public healthcare. Primary Care, all medical specialties, Diagnostic Methods, Preventive Medicine, Surgery and Hospitalization, Emergencies, Pregnancy and Childbirth, Ambulance Transport, Special Treatments, Free choice of Pediatrician and Gynecologist through reimbursement of expenses.

Conditions for Taking Out FIATC Health Insurance Spain

If you take out FIATC Health Insurance Spain, you’ll get the best for your health. There’s no doubt that this is essential—especially if you’re the foundation of your family. However, you should know that there are certain conditions required to obtain FIATC insurance. So, what are the conditions for taking out FIATC Health Insurance Spain? Here are some of them:

• You must report your place of residence. If you are a Spanish resident, you can purchase FIATC Health Insurance.
• To take out FIATC Health Insurance Spain, you must fill out our form located at the beginning of the article. Afterward, one of our agents will take note of your information and call you to verify the details you’ve provided. Then, you will receive another call to go through a medical questionnaire over the phone. It is important to note that our agents will assist you throughout the entire contracting process.
• If you are between 18 and 65 years of age, you can take out FIATC Health Insurance.
• You will be asked to provide information about your state of health.
• You must indicate your current occupation.

What Documentation Do I Need to Take Out FIATC Health Insurance Spain?

If you want to take out FIATC Health Insurance Spain, you will need some documents that can verify your health condition. These documents and requirements are very important for insurance companies, and therefore, they must be readily available before contracting a health policy. So many people ask: What documentation do I need to take out FIATC Health Insurance Spain? Here’s what you need:

1. Health questionnaire: Completing the health questionnaire allows FIATC to determine whether the person taking out the policy has any chronic or pre-existing conditions. It also includes habits such as smoking or alcohol consumption.
2. Full name: You must provide the full name (first name and last name) of the person who wishes to take out FIATC Health Insurance Spain.
3. A photocopy of DNI, NIE, or passport of the policyholder: Any of these documents can be submitted for the FIATC Health Insurance process, but they must be valid. Expired documents will not be accepted.
4. A bank account in Spain.
5. Proof of address: FIATC requires this information to calculate the health insurance premium. It is therefore important to provide this data when applying for FIATC Health Insurance Spain.

What factors influence the price of FIATC Health Insurance Spain?

If we take out health insurance with FIATC Spain’s healthcare assistance, the policyholder and beneficiaries will receive quick and timely care. However, you should know that there are some factors that influence its price. Because of this, you might ask: What factors influence the price of FIATC Health Insurance Spain when contracting it? These are:

How much does age affect getting FIATC Health Insurance Spain? Age does affect it. As is known, the factor that most influences risk assessment in health insurance is age. The older the policyholder, the higher the chances of illnesses. However, it’s not just adulthood that matters; if you have babies, that also influences the cost. The younger the child, the more medical services they may require.

Is it important to be in good health to get FIATC Health Insurance Spain? Yes, it is vital for contracting FIATC health insurance to be in good health and to answer a medical questionnaire. This verifies the health status of the person applying, regardless of age. This way, a medical history is obtained, specifying any prior illnesses, surgeries, treatments, among others.

Can coverages affect the price when contracting FIATC Health Insurance Spain? Clearly, yes. Generally, there are basic health products that include medical assistance but do not cover hospitalization and surgeries. These products usually have more affordable prices. On the other hand, more comprehensive insurance that covers doctor visits, tests, treatments, surgeries, and all types of hospitalization costs more.

Does having copayments affect the price of FIATC Health Insurance Spain? Yes, it influences the price. A copayment is a type of plan where users pay a certain amount when using a specific medical service. Insurance companies often offer health products with copayments to reduce the overall cost of insurance. Therefore, the higher the copayment, the lower the insurance premium tends to be.

Does it affect the price if FIATC Health Insurance Spain has a medical network or reimbursement? Yes, it affects the price. With a medical network, the insurance company offers insured clients access to its network of professionals and medical centers without having to pay invoices (according to the terms of the contract and without copay plans). In reimbursement policies, the insured can choose any doctor or center outside the network contracted by the company, pay the bill, and then request reimbursement from the insurer. This undoubtedly influences the price of the insurance.

Does the number of insured people affect the cost of FIATC Health Insurance Spain? Yes, it does. Some insurance companies offer discounts for including multiple insured people. This is common in family-oriented health policies. In other cases, policies with more insured individuals can be more expensive.

Does the policyholder’s residence affect the price of FIATC Health Insurance Spain? Yes, it affects the price since insurance companies usually consider this factor when setting the premium. This is because healthcare costs may vary between different provinces.

How can I cancel my FIATC Spain Health Insurance?

In general, people may find themselves needing to cancel their health insurance for various reasons. But: How can I cancel my FIATC Spain Health Insurance? Let’s see, because the cancellation process is actually very simple.

The FIATC Spain health insurance contract is for 12 months, but this doesn’t apply only to FIATC—all health insurance companies follow the same parameters. Because of this, Spanish health insurance law states that to cancel your FIATC Spain health insurance, you must notify FIATC at least one month before the end of your annual contract.

For example: if your FIATC Spain health policy (or that of any other health insurance provider) ends on December 31, you must inform the insurer of your decision not to renew it before November 30.

What is the waiting period for FIATC Spain Health Insurance?

When you take out health insurance with FIATC Spain and its healthcare services, you gain several advantages. Without a doubt, it is a great benefit that leads many people to choose it as their best healthcare solution. However, you should know that almost all health insurance policies have waiting periods that must be respected. A waiting period in a health insurance policy is the time you must wait before using certain services or coverages. That’s why many people ask: What is the waiting period for FIATC Spain Health Insurance?

The Waiting Period is the initial time frame during which medical conditions diagnosed in the insured will not be covered. It typically lasts 30 days for minor illnesses and up to 90 days for more complex conditions from the date the health insurance policy is contracted. Accidental emergencies are generally excluded from these waiting periods. The duration will also depend on the type of health insurance you take out and the specific medical services you require.

It’s also important to know that waiting periods act as a safeguard for insurance companies. They ensure that clients do not take out health insurance just to cover a specific medical need and then cancel the contract once that need has been met.

What documentation do I need to take out FIATC Spain Health Insurance?

If you want to take out FIATC Spain health insurance, you will need to provide some documents that can justify your health status. These documents and requirements are very important for insurers and must be available before signing a health insurance policy. So, many people ask: What documentation do I need to take out FIATC Spain Health Insurance? Here they are:

• Health questionnaire: By completing this questionnaire, FIATC can determine whether the applicant has any chronic or pre-existing illnesses, or habits such as smoking or alcohol consumption.
• Full name: It is essential to provide the full name (first name and surname) of the person wishing to take out the FIATC Spain health insurance.
• Copy of DNI, NIE, or passport of the policyholder: Any of these documents can be submitted for the processing of a FIATC Spain health insurance policy, but they must be valid. If they are expired, they will not be accepted.
• A bank account in Spain: You must have an active Spanish bank account.
• Proof of residence address: FIATC requires this information in order to calculate the premium for the health insurance. Therefore, it is important to provide your address when requesting to take out FIATC Spain health insurance.

Can I take out FIATC health insurance with a serious illness?

In Spain, many people who wish to take out FIATC health insurance often ask: Can I take out FIATC Spain health insurance with a serious illness? Well, one of the main factors that may prevent someone from taking out FIATC health insurance and accessing its medical network is having a serious illness.

In general, insurance companies do not approve policies if the applicant has a pre-existing illness or serious medical condition. To verify this, the applicant is asked to complete a health questionnaire, where they must declare any illnesses they currently have. They must also indicate any injuries or surgeries they’ve had in the past that may have left lasting effects. With this information, the insurer evaluates the application and the level of risk the person poses.

However, since there is a possibility that the applicant may lie on the health questionnaire in order to obtain the policy, Spanish insurance law addresses this. According to Article 10 of Law 50/1980, of October 8, on the Insurance Contract in Spain, the insurer is exempt from paying any compensation if the applicant provides false information on the medical questionnaire, especially by omitting a serious pre-existing illness.

That said, any person who previously had a serious illness may still be eligible to take out FIATC Spain health insurance—but only if they have fully recovered from the illness without any serious lasting effects. In such cases, the applicant’s current health condition must be verified beforehand.

FIATC Health Insurance

Main Coverages of FIATC Health Insurance