Get Informed for Free and Without Obligation — We Guarantee the Best Price and Coverage

▷ 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

Previsora General Health Insurance Spain

Previsora General Health Insurance Spain is a social mutual insurance company specializing in personal insurance. It has more than 90 years of dedication and commitment to mutualism, being involved in various areas, especially standing out in health insurance. Previsora General works to be an alternative to traditional insurance, putting its services at the disposal of its clients in order to achieve the best for them. Today, Previsora General Spain health insurance is its best product, something all its clients certainly value.

Previsora General Seguros is an efficient insurer with several commercial offices throughout the country. This prestigious company has everything necessary for its clients to feel satisfied regarding health matters. The Previsora General Spain health insurance policy is an excellent product with which its clients always receive outstanding care. By providing first-class service, it offers primary care, emergency services, an excellent medical network, and many other services.

All this has allowed Previsora General Health Insurance Spain to be positioned as one of the best in the country. Likewise, with the Previsora General Spain medical network, its clients have access to specialist doctors and high-quality health centers. In this way, clients can count on the best Previsora General Spain health care insurance. This undoubtedly gives them everything necessary to preserve and protect their health. All this distinguishes Previsora General as one of the best insurance companies in Spain.

Furthermore, Previsora General Spain has a range of diagnostic tools and state-of-the-art equipment, which combined with a group of health specialists, provides the best to its clients. It offers an extensive portfolio of insurance products, among which stand out: Previsora General Funeral Insurance, Previsora General Health, Previsora General Life, Previsora General Dental, Previsora General Accident, Previsora General Commerce, Previsora General Home, Previsora General Civil Liability, Previsora General Pets, and many more.

What Does Previsora General Health Insurance Spain Cover?

We know that one of the greatest concerns for people is to protect their well-being and that of all members of their family group. For this reason, they seek access to a health system that is efficient and of quality. Well, by contracting Previsora General Spain health insurance, its clients achieve all that by obtaining great benefits. Unfortunately, this is not possible to get in public healthcare, since being a free service it is very crowded and saturated. This implies enduring long waiting periods of even several months, something that harms the health of chronic patients since they urgently need medical attention. Therefore, the most important thing is to have the protection of the benefits offered by the health insurance and the Previsora General Spain medical network.

Now then, what does Previsora General Health Insurance Spain cover? With Previsora General, you have access to many services that range from primary care services, diagnostic tests, to the most efficient emergency services among others. That is why by contracting Previsora General Health Insurance Spain, you and your family can have the necessary peace of mind for your health. Previsora General offers 3 options: Previsora General Previsalud Básico, Previsora General Previsalud Completo, and Previsora General Previsalud Oro. Each one adapts to every requirement, allowing you to feel protected according to your needs.

Previsora General Previsalud Básico is the most basic policy that allows you to see medical specialists as well as get diagnostic tests quickly at the most prestigious centers in Spain. It also offers you Primary Care, All medical specialties, Diagnostic Means, Emergency Service, Home Emergencies, Pregnancy Monitoring, Ambulance Transfer in case of emergency, and Special Treatments.

With Previsora General Previsalud Completo, it offers you access to private healthcare through an extensive medical network without copayments for medical acts. It covers Primary Care, Specialists and Diagnostic Means, Hospitalization, Surgical Interventions, Emergencies, Childbirth and everything related to it, and much more.

Previsora General Previsalud Oro is insurance where you visit specialists within the medical network free of charge. But you can also freely visit any specialist you want and up to 90% of the expenses will be reimbursed. This according to the amount subscribed in the policy. It covers Primary Care, All medical specialties, Diagnostic Means, Emergency Service, Home Emergencies, Pregnancy Monitoring, Ambulance Transfer in case of emergency, Special Treatments, prostheses, and much more.

Conditions to Contract Previsora General Health Insurance Spain

If you contract Previsora General Health Insurance Spain, you will be able to have the best in health matters. This is important since, being the pillar of our family, we must seek to provide them with the best protection. Now then, it is essential to know that there are some conditions to be respected when contracting it. But: what conditions are established to contract Previsora General Spain health insurance? Let’s see the following:

• You must inform where your residence is established. In case you are a Spanish resident, it is possible to contract Previsora General health insurance.
• You must fill out our form located at the beginning of the article if you wish to contract Previsora General Health Insurance Spain. Then, one of our agents will take note and call you to verify the information you requested. Afterwards, you will be contacted again in order to complete a questionnaire by phone. It is important to highlight that during the entire contracting process, any of our agents can advise you.
• If your age is between 18 and 65 years, you can contract Previsora General health insurance.
• You will be asked for information about your health status; for this, you must complete the health questionnaire.
• You must indicate the occupation you perform.

What documentation do I need to contract Previsora General Health Insurance Spain?

In order to contract Previsora General Health Insurance Spain, you should know that some documents are required to justify your health condition. These documents and several other requirements are essential for the insurers to check the contracting person. But: What documentation do I need to contract Previsora General Health Insurance Spain? Let’s see what they are:

• Fill out the health questionnaire. By filling out the health questionnaire, Previsora General can determine if the person seeking health insurance has any chronic or even preexisting illness. Likewise, it can 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 name of the person who wants to obtain Previsora General Health Insurance Spain.
• Provide a photocopy of DNI, NIE, or passport of the insurance holder. Any of these documents are fully valid to obtain Previsora General Spain health insurance. However, it is important to highlight that these must be fully valid. Therefore, if they are expired, they will not be accepted.
• Have a bank account in Spain.
• Provide the residential address. To be able to calculate the health insurance premium, Previsora General requires this important information. Therefore, it is valuable to supply it when contracting Previsora General Health Insurance Spain.

What factors influence the price of Previsora General Health Insurance Spain?

Previsora General Health Insurance Spain and healthcare services offer both the client and their beneficiaries high-quality care, so by getting one, you will have excellent benefits. However, when obtaining one, you will notice that certain factors affect its price. That is why many ask: What factors influence the price of Previsora General Spain health insurance when contracting it? Let’s see what they are:

Does age affect contracting Previsora General Health Insurance Spain? Yes, it does. It has been established that the factor that most influences risk assessment is the age of the policyholder. The older the person, the more likely they are to have illnesses. Likewise, another age-related factor that can cause price variation is young children. This is because the younger they are, the more healthcare services they may need.

Does having multiple coverages influence the price when contracting Previsora General Health Insurance Spain? Obviously yes, because generally, there are some basic, very cheap health products that do not cover hospitalization or surgeries. But there are also more complete insurances with many benefits, including tests, treatments, surgical interventions, and hospitalization, which have a higher cost.

Is it indispensable to be in good health to contract Previsora General Health Insurance Spain? Yes, being in good health is essential to contract Previsora General health insurance. This must be verified by answering a medical questionnaire to create a medical history of the policyholder. This determines the health status of the person contracting the policy, regardless of their age. The questionnaire must also specify if there are any previous pathologies, surgeries, among others.

Can having a copayment option influence the price of Previsora General Health Insurance Spain? Generally, insurance companies offer copayment options to reduce the cost of insurance. Copayment is a modality where you pay a small amount when using certain medical services. Therefore, the higher the copayment, the lower the insurance cost. So yes, it definitely influences the price.

Does the place of residence affect the price of the Previsora General Health Insurance Spain policy? Yes, it does, since healthcare costs can vary from one province to another.

Can having a medical network or reimbursement option affect the price of Previsora General Health Insurance Spain? Yes, it does. If the policy includes a reimbursement option, the insured can choose any center or doctor not in the company’s contracted medical network. In this case, they pay the bill and then claim reimbursement from the insurer. On the other hand, if the health insurance has a medical network, the insurer offers its professionals and medical centers without additional charges.

Does the number of insured people to include affect the price of Previsora General Health Insurance Spain? Yes, it does, because generally, some insurance companies offer large discounts for adding multiple clients. This mostly happens in health policies with coverages and services designed for all family group members. In other cases, the policies may be more expensive. Therefore, yes, it affects the cost.

How can I cancel Previsora General Health Insurance Spain?

There are many reasons why some people with health insurance need to stop using the service—that is, cancel it—but many do not know how to do so. That is why they ask: How can I cancel Previsora General Spain health insurance? Well, canceling the health insurance is very simple. Let’s see how to do it:

The Previsora General Health Insurance Spain contract is only for 12 months, but this does not apply only to Previsora General, since all health insurance companies follow the same rules. Because of this, the health insurance law in Spain states that to cancel Previsora General Spain health insurance, you must notify Previsora General at least one month before the contract year ends. For example: if your Previsora General Spain health insurance policy or any other health insurance policy 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 Previsora General Health Insurance Spain?

By contracting Previsora General Health Insurance Spain and healthcare services, you have everything essential for the proper care of your health. However, it is important to know that when you get this type of health policy, there are waiting periods that must be respected. The waiting period in health insurance is the time you must wait before using certain medical services or coverages. Since many people do not know what the waiting period is for Previsora General Health Insurance Spain, here we will tell you before you get one.

Generally, the waiting period lasts 30 days for simple illnesses and up to 90 days maximum for more complex pathologies. This counting starts from the moment you contract the health insurance. An exception is made for accidental emergencies, which do not require these waiting periods. The exact time will depend on the health insurance you contract, as well as the type of care you need.

You should also know that waiting periods are also used as a guarantee for insurers. They ensure that the client does not subscribe to health insurance only to cover a specific need and then cancel the contract once that need is met.

What exclusions does Previsora General Health Insurance Spain have?

Exclusions in health insurance are those cases that are not covered by the care offered in the policies for various reasons. Since there are many exclusions that can exist in health insurance, we ask: What exclusions does Previsora General Health Insurance Spain have? Let’s see some of them:

• Voluntary termination of pregnancy. This includes assistance with births at private homes or by some other alternative means.
• Transplants, except for bone marrow and cornea transplants.
• The value and price of pharmaceutical products, except those administered during hospitalization, such as drugs used in chemotherapy. Medicines not authorized in Spain are also not covered.
• Hospitalization for social reasons. This applies in cases of patients with functional deterioration, suffering from chronic illness or even pathologies associated with aging.
• Healthcare related to pathologies, accidents, malformations, injuries, or defects caused by: terrorist acts, armed conflicts, nuclear radiation, sports practice, workplace or professional accidents, traffic accidents, among others.
• Healthcare in cases of pre-existing illnesses and injuries, or even sequelae caused by an accident before the insurance was contracted.
• The value and price of pharmaceutical products, except those administered during hospitalization, such as chemotherapy drugs. Medicines not authorized in Spain are also excluded.
• Cosmetic surgery, meaning excluded are specialties in plastic surgery of the reparative type and refractive surgery such as for myopia, hypermetropia, and astigmatism.
• Healthcare due to negligence as a consequence of drug addiction, self-harm, alcoholism, use of narcotics, suicide attempts, among others.

Can I contract Previsora General Health Insurance Spain with a serious illness?

Perhaps one of the biggest concerns of Previsora General insurance clients is to know if they can contract Previsora General Health Insurance Spain with a serious illness. Actually, among the factors that affect the possibility of getting health insurance and its medical network with Previsora General Spain are serious illnesses.

Generally, all insurers do not approve health policies if the person wishing to contract it has any pre-existing or serious illness. Since this is a significant limitation, many people do not disclose it and lie when filling out the health questionnaire—all in order to obtain the health insurance.

For this reason, and to avoid lies or doubtful information that create high risks for insurers, there are laws that protect insurance companies. Therefore, 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 related to the health status of the applicant, where a serious or pre-existing illness is omitted.

However, there may be some exceptions to be able to get one. Thus, if a person who wants to contract health insurance has had a serious pathology at some point, it will only be possible to contract Previsora General Spain health insurance if they have overcome that illness and without serious sequelae. This must obviously be verified beforehand.

PREVISORA GENERAL Health Insurance

Main coverages of PREVISORA GENERAL Health Insurance