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Asisa Health Insurance Spain

Asisa Seguros España is a Spanish insurance company founded around 1971, with strong leadership in the insurance sector. It is an insurer owned by the medical cooperative Lavinia. It is also a cooperative society with fully Spanish capital, managing a large number of highly experienced doctors. In short, it is a cooperative focused on improving its healthcare services, where its health insurance products attract a large number of satisfied customers. Its approach is based on fostering a direct and free relationship with the insured, which promotes excellent quality care in the health sector.

Asisa, in general, has proven experience in the insurance world, standing out in the health insurance sector with its health policies. The Asisa health policy is one of the best, offering many options for all its clients. This has undoubtedly given it great prestige, leading many people to choose Asisa health insurance services. This places it among the best in all of Spain. The health insurance and its medical network Asisa Spain, with its multiple services, allow all its clients to have the peace of mind they need. This is a mark of great prestige. There is no doubt that clients will receive the best healthcare assistance from Asisa Spain in all matters related to health.

Asisa Spain also operates in other insurance areas, making it a highly versatile insurer. These include Asisa dental, Asisa funeral services, Asisa life insurance, Asisa health, Asisa travel, Asisa pet insurance, among others.

What Does Asisa Health Insurance Spain Cover?

Accessing quality healthcare is very challenging and increasingly concerning for people who want to protect their families. Therefore, by contracting Asisa Health Insurance Spain, you will have access to the most essential health services such as consultations, diagnostic tests, and emergency services in minimal time. Achieving this through the public healthcare system is difficult due to long waiting times, often several months, which negatively affects patients needing urgent care. That is why it is important to have the protection of the coverages offered by the Asisa health policy and medical network in Spain.

Now, faced with this situation, the most common question from policyholders is: What Does Asisa Health Insurance Spain Cover? Actually, Asisa offers many benefits, providing the best for your health. By contracting Asisa Health Insurance Spain, you and your family will have the necessary peace of mind. Asisa offers up to 14 plans: Asisa Momento, Asisa Activa, Asisa Activa Plus, Asisa Próxima, Asisa Próxima Plus, Asisa Integral 100,000, Asisa Integral 180,000, Asisa Integral 240,000, Asisa Internacional Básico, Asisa Internacional Ampliado, Asisa Internacional Integral, Asisa Internacional Estudiantes Básico, Asisa Internacional Estudiantes Ampli, and Asisa Internacional Estudiantes Integral. Each plan adapts to different needs so you feel protected.

Asisa Internacional Estudiantes Integral offers comprehensive coverage for students living abroad, including consultations, diagnostic tests, hospitalization, outpatient surgery, ambulance transfers, special treatments, pregnancy and childbirth care, prostheses and implants, podiatry, preventive medicine, and psychotherapy.
Asisa Momento covers the most basic health contingencies: primary and specialized medical consultations, diagnostic tests, special treatments, hospitalization services, outpatient surgery, ambulance transfers, prostheses and implants, and transplants.
Asisa Activa offers more economic control, allowing the choice of copayment or not. It covers primary and specialized consultations, diagnostic tests, special treatments, hospitalization, outpatient surgery, ambulance transfers, prostheses and implants, and transplants.
Asisa Activa Plus is a comprehensive medical coverage plan to keep you fully protected, offering the best private healthcare, both hospital and outpatient. It includes primary and specialized consultations, various diagnostic tests, special treatments, hospitalization, outpatient surgery, ambulance transfers, prostheses and implants, and more.
Asisa Próxima is an outpatient-only plan that does not cover hospitalization but includes some pregnancy-related diagnostic tests and childbirth preparation. It covers primary and specialized consultations, diagnostic tests, special treatments, and ambulance transfers.
Asisa Próxima Plus offers multiple benefits with tailored assistance for you and your family, including consultations with all kinds of specialists and emergency services. It covers primary and specialized consultations, diagnostic tests, and special treatments.
Asisa Integral 100,000 offers full coverage, including international coverage up to €100,000 per year without copayment. It includes primary and specialized consultations, diagnostic tests, special treatments, hospitalization, outpatient surgery, ambulance transfers, prostheses and implants, and transplants.
Asisa Integral 180,000 lets you visit contracted medical centers within the medical network or choose any clinic or doctor you want, with reimbursements up to 90% of the bill and a limit of €180,000 per year. It covers primary and specialized consultations, diagnostic tests, special treatments, hospitalization, outpatient surgery, ambulance transfers, prostheses and implants, and more.
Asisa Integral 240,000 is an international plan with a limit of €240,000 and reimbursement up to 90%, providing private healthcare at your disposal. It covers primary and specialized consultations, diagnostic tests, special treatments, hospitalization, outpatient surgery, ambulance transfers, prostheses and implants, transplants, and more.
Asisa Internacional Básico is a basic international plan covering consultations, diagnostic tests, hospitalization, outpatient surgery, and ambulance transfers.
Asisa Internacional Ampliado is a more comprehensive international plan offering consultations, diagnostic tests, hospitalization, outpatient surgery, ambulance transfers, and more.
Asisa Internacional Integral is designed for students and workers living abroad temporarily, ensuring coverage anywhere for any health situation. It covers consultations, diagnostic tests, hospitalization, outpatient surgery, ambulance transfers, special treatments, pregnancy and childbirth care, prostheses and implants, podiatry, preventive medicine, and psychotherapy.
Asisa Internacional Estudiantes Básico is for students abroad needing basic care, covering consultations, diagnostic tests, hospitalization, outpatient surgery, and ambulance transfers.
Asisa Internacional Estudiantes Ampli is ideal for students living abroad who want extended emergency coverage, covering consultations, diagnostic tests, hospitalization, outpatient surgery, and ambulance transfers.

Conditions to Contract Asisa Health Insurance Spain

Getting Asisa Health Insurance Spain gives us the best in health coverage. Without a doubt, this is essential, especially if we are the main pillar of our family. But, what conditions are established when contracting Asisa Health Insurance Spain? Here’s what you need to know:

To contract Asisa Health Insurance Spain, you only need to fill out our form at the beginning of this article. Then, one of our agents will take note of your information and call you to verify the details you provided. Afterwards, they will call you again to provide a questionnaire via phone. It is important to highlight that our agents assist you throughout the entire process.
You must provide information about where you have your residence. If you are a resident of Spain, you can acquire Asisa Health Insurance.
If your age is between 18 and 65 years, you can contract Asisa Health Insurance.
You will be asked for information about your health status.
You must indicate your occupation.

What Documentation Do I Need to Contract Asisa Health Insurance Spain?

Asisa Health Insurance Spain requires documents that justify your current health condition. These documents and several other requirements are essential for insurance companies and must be collected before issuing a health policy. Now then, what documentation do you need to contract Asisa Health Insurance Spain? Let’s see below:

Complete the health questionnaire. By filling out the health questionnaire, Asisa can determine if the person contracting the health insurance has any illness, whether chronic or preexisting. It also identifies habits such as smoking or alcohol consumption.
Provide full name. It is essential to supply the full name of the person who wishes to obtain Asisa Health Insurance Spain.
A photocopy of the DNI, NIE, or passport of the policyholder. Any of these documents can be submitted for the Asisa health insurance process, but they must be valid. Therefore, expired documents will not be accepted.
Have a bank account in Spain.
Provide your residential address. Asisa requires the home address to calculate the premium of the health insurance. Therefore, it is important to provide this key information when requesting to contract Asisa Health Insurance Spain.

What Factors Influence the Price of Asisa Health Insurance Spain?

Both the policyholder and the beneficiaries designated in the policy receive timely care through Asisa Health Insurance and its healthcare services in Spain. But, what factors influence the price of Asisa Health Insurance Spain when contracting it? Let’s take a look:

Does age affect the contracting of Asisa Health Insurance Spain? Definitely yes. Age is the factor that most influences the risk calculation of a policy. The older you are, the more likely it is to have illnesses. Conversely, being younger also affects the price, as younger people may need more emergency services due to their susceptibility to illnesses and the need for more regular check-ups.

Is good health required to get Asisa Health Insurance Spain? Having good health and answering the medical questionnaire is essential to contract Asisa Health Insurance. This helps certify the health status of the person contracting the insurance, regardless of age. A medical history is created specifying any prior conditions, surgeries, medical treatments, among others.

Do coverages influence the price when contracting Asisa Health Insurance Spain? Yes, generally there are basic health products or insurance plans that provide medical assistance but do not cover hospitalization or other services, making them cheaper. More comprehensive plans cover medical visits, tests, and other services, which are more expensive.

Does having copayments in Asisa Health Insurance Spain influence the price? Copayment is a modality where users pay a small fee when using certain medical services. Insurance companies often offer health plans with copayments to reduce the overall insurance cost. Therefore, the higher the copayment, the lower the insurance premium. In other words, it does affect the price.

Can having a medical network or reimbursement option increase the price of Asisa Health Insurance Spain? In health insurance with a medical network, the insurer provides access to professionals and medical centers without extra charges. In reimbursement plans, the insured can choose any provider outside the network, pay the bill upfront, and then request reimbursement from the insurer. This clearly influences the price of the insurance.

Does the number of insured people affect the cost of Asisa Health Insurance Spain? Some insurers offer discounts for adding multiple insured members, especially for family group plans. In some cases, policies may be more expensive. Therefore, yes, it affects the price.

Does the place of residence affect the price of Asisa Health Insurance Spain? Residence is a factor insurers usually consider when setting the premium price, as healthcare costs can vary from one province to another.

How can I cancel Asisa Health Insurance Spain?

There are many reasons why people may need to cancel their health insurance. But how can I cancel Asisa Health Insurance Spain? Canceling Asisa health insurance is a very simple process. Let’s see how:

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

What is the waiting period for Asisa Health Insurance Spain?

If you get Asisa Health Insurance and its healthcare services in Spain, you will have multiple benefits. That is why a good number of people in Spain have chosen their services to feel protected in terms of health. However, not all coverage is 100% immediate, because there are waiting periods that must be respected. A waiting period in health insurance is the time you must wait before using certain services or coverage. But what is the waiting period for Asisa Health Insurance Spain? Before signing up, let’s see.

The waiting period is the initial time span during which any conditions diagnosed in the insured person will not be covered. It generally lasts 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 is for accidental emergencies, which usually do not have waiting periods. The exact time depends on the type of health insurance you choose, as well as the care you require.

What exclusions does Asisa Health Insurance Spain have?

Exclusions in health insurance are a series of situations that are not covered by the care the policies offer. So, what exclusions does Asisa Health Insurance Spain have? Some of them are:

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.
Hospitalization for social reasons. This applies to patients with functional deterioration who suffer from chronic diseases or conditions associated with aging.
Healthcare due to negligence resulting from drug addiction, self-harm, alcoholism, use of narcotics, suicide attempts, among others.
Transplants, except for bone marrow and cornea transplants.
Cosmetic surgery, meaning exclusions include plastic surgery for reconstructive purposes and refractive surgery such as myopia, hypermetropia, and astigmatism.
Healthcare for pre-existing diseases and injuries, or even sequelae caused by an accident prior to the insurance contract.
Healthcare related to conditions, accidents, malformations, injuries, or defects caused by terrorist acts, war conflicts, nuclear radiation, sports practice, occupational or professional accidents, traffic accidents, among others.
Voluntary termination of pregnancy. This also includes childbirth assistance at private homes or through other alternative means.

Can I purchase Asisa Health Insurance with a serious illness?

One of the most common questions asked by applicants for Asisa health insurance is: Can I get Asisa Health Insurance Spain if I have a serious illness? Among the factors that often significantly affect the ability to purchase Asisa health insurance and access its medical network are serious medical conditions.

Generally, all insurers do not approve policies if the applicant has a pre-existing illness or any prior medical condition. In such cases, a health questionnaire must be completed, where the applicant must disclose any diseases they have, including diabetes, tuberculosis, leukemia, asthma, cancer, among others. They must also indicate any injuries or surgeries they have had that may have left lasting effects. This allows the insurer to assess and evaluate both the application and the risk posed by the client. If this applies to you, it will be difficult to obtain Asisa health insurance in Spain.

However, because insurers face high risks when people lie on health insurance applications, Spanish insurance law (Article 10, Law 50/1980, October 8, on insurance contracts) states: The insurance company is exempt from paying any compensation if false information is provided in the medical questionnaire related to the applicant’s health condition. In other words, if someone omits or lies about a serious pre-existing illness.

That said, if someone who wishes to purchase health insurance had a serious illness in the past, they may be able to get Asisa health insurance Spain only if they have fully recovered from that illness and do not have serious lasting effects. This must be verified in advance through a current health assessment.