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Jose Muñoz Blanco
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Alba Navarro Pérez
Aegon Medical Insurance Spain
Aegon Medical Insurance is a company dedicated to the insurance sector in Spain, founded in 1980 following the merger of the insurance companies Ennia NV and AGO Holding NV. Aegon España’s headquarters belong to a Dutch-origin company that holds significant shares traded on both the Amsterdam and New York stock exchanges.
Aegon entered Spain in 1980 through the acquisition of Seguros Galicia. Afterwards, it acquired other insurance companies such as La Sanitaria and Labor Médica. During the period between 1987 and 2004, it focused its activities on health and life insurance branches.
Then, in 2005, it definitively concentrated on these health and life insurance areas, achieving remarkable success to date, offering what is known as Aegon Medical Insurance Spain
In Spain, Aegon Seguros currently has several commercial offices throughout the country offering a variety of products, among which health, life, savings, and home insurance stand out. The Aegon Spain health insurance policy is currently one of their best products, providing great benefits to its clients. This positions Aegon Spain Health Insurance among the top options available.
Additionally, with the Aegon Spain medical network, clients receive excellent care from specialized doctors and top-tier health centers. Definitely, customers will have the best Aegon Spain healthcare assistance when it comes to health services.
With such strong backing, Aegon Seguros offers the very best to all its clients. In this way, it manages to satisfy its clientele with highly attractive solutions where health always comes first.
Aegon Spain has a team of health specialists dedicated to providing efficient and timely service to all its clients. It offers a broad portfolio of personal insurance products such as Aegon Health, Aegon Funeral Insurance, Aegon Life, Aegon Accident Insurance, Aegon Savings and Pensions, Aegon Home Insurance, among others.
What Does Aegon Medical Insurance Spain Cover?
Having access to quality healthcare is a growing concern for people who want to protect their own well-being as well as that of all family members. Therefore, by purchasing Aegon Spain medical insurance, you will be able to access basic services such as consultations, diagnostic tests, emergency services, and even receive medical test results in a short time. This is something that is difficult to achieve in public healthcare, which often involves long waiting times. In most cases, these waits last several months, which can even harm patients needing immediate attention. Hence, it is important to have the protection provided by the health insurance policy and the Aegon Spain medical network.
The most important question a policyholder may ask is: What Does Aegon Medical Insurance Spain Cover? Given the challenging situation of public healthcare, Aegon offers the best for your health. By contracting Aegon Spain health insurance, you and your family will have the peace of mind you need. It offers 6 plans: Aegon Conecta, Aegon Basic Health, Aegon Complete Health with Copayment, Aegon Complete Health, Aegon Health Reimbursement, and Aegon Family Health. Each one is designed to meet different needs so you can feel protected.
Aegon Conecta is a comprehensive product without copayments, allowing you to combine the advantages of in-person care through the Quirón Salud hospital network, a leader in Spain, along with digital management using the new Quirón Salud Digital Hospital.
Aegon Basic Health is a simple insurance plan that includes primary care consultations both in-office and at home through a broad medical network, healthcare assistance, consultations and diagnostic tests, maternity services, among others.
Aegon Complete Health with Copayment is more than just a health insurance with copay option. It is designed to offer you the best healthcare assistance, covering both healthcare and outpatient medical care in case of illness or covered injury. Through the medical network, the policy covers primary care, hospitalization and surgery, medical specialties, diagnostic tests, telemedicine, travel assistance, and more.
Aegon Complete Health is a health insurance plan aimed at covering healthcare assistance in case of illness or covered injury. It may cover healthcare, medical specialties, primary care, hospitalization and surgery, emergencies, and diagnostic tests. Additionally, optional dental care and much more.
Aegon Health Reimbursement aims to cover both healthcare and outpatient medical care or hospitalization, without the copayment modality, in case of illness or covered injury. By choosing the Reimbursement plan, you will enjoy many offers. You can also access primary care and specialists through coverages such as consultations and tests, hospitalization and emergency services, diagnostic tests, special treatments, and more.
Aegon Family Health is a unique policy designed to cover comprehensive and quality medical assistance for many insured individuals. The family insurance policy covers primary care, hospitalization and surgery, diagnostic tests, medical specialties, emergencies, optional dental care, and much more.
Conditions for Purchasing Aegon Medical Insurance Spain
As we have already mentioned: When you purchase Aegon Spain health insurance, you will have the best in healthcare. This is especially important if you are the foundation of your family. Now, what conditions are set when contracting Aegon Spain medical insurance? Here’s what you need to know:
You must inform where your residence is established. If you are a resident of Spain, you can acquire Aegon health insurance.
- If you want to purchase Aegon Spain health insurance, you must fill out our form indicated at the beginning of the article. Then, one of our agents will take note of your information and call you to verify the details you provided. Afterwards, you will receive a follow-up call for a telephone questionnaire. It is important to highlight that our agents will assist you throughout the entire contracting process.
- If your age is between 18 and 67 years, you can purchase Aegon medical insurance.
- You will be asked to provide information about your health status.
- You must indicate your occupation.
What Documentation Do I Need to Purchase Aegon Medical Insurance Spain?
Aegon Spain health insurance requires certain documentation to verify your health condition. These documents and requirements are essential for insurers and must be completed and collected before a health policy can be issued. But: What documentation do I need to purchase Aegon Medical Insurance Spain? Let’s see:
- Complete the health questionnaire. By filling out the health questionnaire, Aegon can determine whether the person contracting the health insurance has any chronic or pre-existing illness. It also asks about habits such as smoking or alcohol consumption.
- Provide full name. It is essential to supply the first and last name of the person who wishes to obtain Aegon Spain medical insurance.
- Photocopy of DNI, NIE, or passport of the policyholder. Any of these documents can be submitted for the Aegon Spain health insurance process, but they must be valid. Expired documents will not be accepted.
- Have a bank account in Spain.
- Provide your residential address. Aegon requires this information to calculate the medical insurance premium. Therefore, it is important to provide this data when requesting the Aegon Spain medical insurance.
What Factors Influence the Price of Aegon Medical Insurance Spain?
Aegon Spain medical insurance and its healthcare services provide timely attention to both the policyholder and any beneficiaries designated in the policy. Now then: What factors influence the price of Aegon Spain medical insurance when purchasing it? Let’s see:
Does the place of residence affect the price of the Aegon Spain health policy? Yes, this is also a factor that insurers usually consider when setting the insurance premium, as healthcare costs can vary from one province to another.
Does age influence the purchase of Aegon Medical Insurance Spain? Absolutely. Perhaps the most significant factor when calculating risks is age. Regarding health, the older the person, the higher the likelihood of illnesses. Another age-related element that increases premiums is infants, as the younger they are, the more emergency services they may require, in addition to regular check-ups.
Is it necessary to be in good health to purchase Aegon Medical Insurance Spain? Yes, it is essential to be in good health and complete a medical questionnaire to contract Aegon health insurance. This verifies the applicant’s health status, regardless of age. This process helps create a medical history that includes any pre-existing conditions, surgeries, treatments, and more.
Does the level of coverage or guarantees affect the price of Aegon Medical Insurance Spain? Definitely yes. Generally, basic health insurance products provide medical assistance but may not cover hospitalization or surgeries, making them more affordable. In contrast, more comprehensive plans covering medical visits, tests, treatments, surgeries, and hospital stays tend to be more expensive.
Does having co-payments in Aegon Medical Insurance Spain affect the price? Co-payment is a model where users pay a certain amount when using specific medical services. Insurers often offer co-payment plans to reduce insurance costs. Therefore, the higher the co-payment, the lower the premium. In short, co-payments do affect the price.
Does having a medical network or reimbursement option affect the price of Aegon Medical Insurance Spain? In a medical network insurance plan, the insurer provides access to its network of doctors and medical centers without the insured having to pay bills (according to the contract terms and without co-pay options). With reimbursement plans, the insured can choose any medical provider outside the network, pay upfront, and then claim reimbursement from the insurer. This choice definitely influences the insurance cost.
Does the number of insured individuals affect the cost of Aegon Medical Insurance Spain? Generally, insurers offer discounts for adding multiple insured individuals, mostly in family health plans designed for all members. In some cases, policies may be more costly. Therefore, yes, it does affect the price.
How can I cancel my Aegon Medical Insurance Spain?
There may be many reasons why people need to cancel their medical insurance. But, how can I cancel my Aegon Medical Insurance Spain? Canceling the medical insurance is a simple process. Let’s see:
The Aegon Medical Insurance Spain contract lasts for 12 months, but this applies not only to Aegon; all health insurance companies follow the same rules. Because of this, Spanish health insurance law states that to cancel Aegon Medical Insurance Spain, you must notify Aegon at least one month before the contract’s anniversary date. For example: if your Aegon Spain health policy or any other insurer’s policy expires on December 31, you must inform the insurer of your decision not to renew it before November 30.
What is the waiting period for Aegon Medical Insurance Spain?
When you purchase health insurance and healthcare services from Aegon Spain, you can enjoy many benefits, which is why many people choose to have one. However, most policies include waiting periods that must be respected. A waiting period in health insurance means the amount of time you must wait before using certain services or coverages. This is so important that it is essential to know: what is the waiting period for Aegon Medical Insurance Spain? before purchasing it.
The waiting period is the initial length of time during which any illnesses diagnosed in the insured will not be covered, generally lasting 30 days for simple illnesses and up to 90 days for more complex conditions starting from the date the health insurance is contracted. The main exception usually applies to accidental emergencies. The length of the waiting period depends on the type of health insurance you purchase and the kind of care you need.
Waiting periods serve as a guarantee for insurance companies. They ensure that customers do not take out health insurance only to cover a specific need and then cancel the contract once that need is met.
What exclusions does Aegon Medical Insurance Spain have?
When we talk about limitations or exclusions in health insurance, we refer both to general terms and those that affect certain specialties. This is because there are a number of cases that are not covered by the care offered in the policies. Examples include access to dialysis treatment if you suffer from chronic kidney disease, as well as limitations on plastic surgery, such as breast reconstruction, among many others. Therefore, given the many possible exclusions, it is important to know: What exclusions does Aegon Medical Insurance Spain have? These include the following:
The cost and price of pharmaceutical products. Except those administered during hospitalization, such as chemotherapy drugs. Medications not authorized in Spain are also not covered.
Healthcare for pre-existing illnesses and injuries, or even aftereffects caused by an accident before the insurance was contracted.
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.
Hospitalization for social reasons. This applies to patients with functional deterioration who suffer from a chronic illness or pathologies associated with aging.
Healthcare due to negligence resulting from drug addiction, self-harm, alcoholism, use of narcotics, suicide attempts, among others.
Voluntary termination of pregnancy. This also includes assistance with home births or other alternative methods.
Transplants, except for bone marrow and corneal transplants.
Cosmetic surgery, meaning that plastic surgery specialties of the reparative type and refractive surgery such as for myopia, hypermetropia, and astigmatism are excluded.
Can I get Aegon Medical Insurance Spain if I have a serious illness?
One of the most common questions from applicants for Aegon health insurance is: Can I get Aegon Medical Insurance in Spain if I have a serious illness? Among the factors that influence whether you can get Aegon health insurance and access their medical network are serious illnesses.
As a general rule, all insurance companies do not approve policies if the applicant has a pre-existing illness or prior pathology. To verify this, you must fill out a health questionnaire where you need to disclose current illnesses such as diabetes, tuberculosis, leukemia, asthma, cancer, among others. You also have to indicate any injuries or past surgeries that left lasting effects. Based on this, the insurance company evaluates the application and the risk posed by the client. Therefore, if you have any of these conditions, it will be difficult for you to get Aegon medical insurance in Spain.
In these cases, and due to the high risk involved for insurers, Spanish law (Article 10, Law 50/1980, of October 8, on insurance contracts) states that the insurance company will be exempt from paying any compensation if false information is provided on the health questionnaire, omitting any serious pre-existing illness.
However, if someone who wants to get medical insurance has had a serious illness in the past, they can only get Aegon health insurance in Spain if they have fully recovered without serious lasting effects. Their current health condition must be verified beforehand.