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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

Caser Medical Insurance Spain

Caser Seguros Spain is an insurance company that has successfully operated in the Spanish market since 1942. Its legal name is Caja de Seguros Reunidos. It also uses the name Compañía de Seguros y Reaseguros, S.A. Caser currently offers many products across various branches, with a significant number of clients in each. Its best product is the Caser Medical Insurance Spain, which has made it one of the leading insurers throughout Spain.

Over the years, Caser has developed strong activity in many sectors, standing out in several of them. Caser Seguros offers various products, including health insurance, life insurance, savings plans, and home insurance. The Caser Spain health policy is currently a highly demanded product in the market, providing great benefits to its clients. This ensures that Caser Health Insurance Spain is definitely positioned as one of the best in the field. Additionally, with the Caser Spain medical network, clients receive excellent service, having access to specialized doctors and high-quality health centers. Without a doubt, Caser clients can expect the best Caser health care in maintaining their health.

Caser Spain offers a broad portfolio of personal insurance products such as:
For individuals: Caser Home, Caser Health, Caser Dental, Caser Life, Caser Funeral, Caser Car, Caser Motorcycle, and others.
For expatriates: Caser Civil Liability, Caser Commerce, Caser Vehicles, Caser Self-Employed, Caser Health, etc.
For companies: Caser Health, Caser Civil Liability, Caser Transport, Caser Surety, among many others.

What Does Caser Medical Insurance Spain Cover?

By getting Caser Medical Insurance Spain, you will have essential health services such as consultations, diagnostic tests, emergency services, and even quick access to medical test results. This is undoubtedly difficult to obtain through public healthcare, as it often involves long waiting periods that can negatively affect the health of patients needing immediate attention. That’s why it’s important to have the protection offered by Caser Spain’s health policy and medical network.

Now, the question we often ask before signing up is: What Does Caser Medical Insurance Spain Cover? When you contract Caser Health Insurance Spain, both you and your family gain the peace of mind you need regarding health matters. Caser offers 9 different plans: Caser Salud Inicia, Caser Salud Médica, Caser Salud Activa, Caser Salud Integral, Caser Adapta + Dental, Caser Salud Jóvenes, Caser Salud Familias, Caser Salud Seniors, and Caser Salud Embarazo. Each plan is tailored to meet different needs, so you feel protected.

• Caser Salud Embarazo is designed for pregnant women, covering all necessary maternity-related needs. It includes pregnancy monitoring, hospitalization, postpartum care, and more.
• With Caser Salud Inicia, you get an outpatient policy with copayments adjusted to service usage. It also includes primary care, specialists (consultation only), diagnostic tests, and special treatments. A second medical opinion is also available.
• Caser Salud Médica is an outpatient/extra-hospital health insurance with no additional charges until the tenth service. It covers medical specialties through a broad national medical network. It also offers primary care consultations, specialists, diagnostic tests, and home emergency care.
• Caser Salud Activa is a medical policy with copayments adjusted to usage and a minimum fee. It covers primary and specialist medical care, special treatments, surgeries, and hospitalization services. It also offers international assistance, second medical opinions, and 24-hour telephone support.
• Caser Salud Integral is a comprehensive health insurance plan offering primary care, general medicine, nursing, and pediatrics. It includes all medical specialties, therapeutic procedures, and diagnostic tests with no waiting lists. Unlimited hospitalization coverage includes medical, surgical, maternity, pediatric, ICU care, and emergency services.
• Caser Adapta + Dental is a dental care insurance that also covers travel assistance and has a broad medical network. It includes primary care, all medical specialties, diagnostic tests, special treatments, emergency services, hospitalization, and surgeries.
• Caser Salud Jóvenes is an ideal plan for young people, covering primary care and pediatrics, specialist care, diagnostic tests, dental coverage, home and hospital emergency services, among others.
• Caser Salud Familias is perfect for large families, covering primary and pediatric care, specialists, diagnostic tests, hospitalization services, psychiatric care, dental assistance, and more.
• Caser Salud Seniors is designed for adults, offering excellent health care. It also covers emergency services, diagnostic tests, and more.

Conditions for Contracting Caser Medical Insurance Spain

When you contract Caser Health Insurance Spain, you get the best for your health. This is undoubtedly fundamental, especially if you are the pillar of your family group. Now, you should know that there are some conditions to obtain Caser insurance. But, what conditions are established when contracting Caser Medical Insurance Spain? Here we will tell you what they are:

• You must inform where you have your residence fixed. If you are a Spanish resident, you can acquire Caser health insurance.
• To contract Caser Health Insurance Spain, 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 will call you to verify the information you requested. Afterwards, you will be called again to complete a questionnaire over the phone. It is important to highlight that our agents can assist you throughout the entire contracting process.
• If your age is between 18 and 69 years old, you will be able to contract the Caser medical insurance.
• You will be asked to provide information about your health condition.
• You must indicate your occupation.

What documentation do I need to contract Caser Medical Insurance Spain?

To contract Caser Health Insurance Spain, some documents are needed to justify your health condition. These documents and requirements are vital for insurance companies, so they must be ready before contracting a health policy. Now then: What documentation do I need to contract Caser Medical Insurance Spain? Let’s see them below:

1. Fill out the health questionnaire. By completing the health questionnaire, Caser can determine if the person contracting the health insurance suffers from any chronic or pre-existing illnesses, as well as habits such as smoking or alcohol consumption.    
2. Provide full name and surnames. It is essential to supply the full name of the person who wants to get Caser Medical Insurance Spain.
3. A photocopy of the DNI, NIE, or passport of the policyholder. Any of these documents can be submitted for the process of Caser Health Insurance Spain, but they must be valid. If they are expired, they will not be accepted.
4. Have a bank account in Spain.
5. Provide your residential address. Caser requires this information to calculate the medical insurance premium. Therefore, it is important to supply this information when requesting Caser Medical Insurance Spain.

What factors influence the price of Caser Medical Insurance Spain?

When you have Caser Medical Insurance and its healthcare assistance in Spain, both the policyholder and the beneficiaries designated in the policy will receive timely care. However, it is important to note that there are some elements that influence the cost. You might be wondering: What factors influence the price of Caser Medical Insurance Spain so that it can be contracted? Let’s see them below:

How much does age influence contracting Caser Medical Insurance Spain? Perhaps the most influential factor when calculating risks in health insurance is age. The older the policyholder, the higher the chances of diseases occurring. However, it’s not only adults that matter; if you have babies, that also influences the cost. The younger they are, the more medical services they may need.

Is it important to have good health to contract Caser Medical Insurance Spain? Yes, it is essential to have good health and respond to a medical questionnaire to contract Caser health insurance. This helps verify the health condition of the person applying, regardless of age. In this way, a medical history is obtained specifying any previous illnesses, surgeries, treatments, and more.

How much do coverage options affect the price when contracting Caser Health Insurance Spain? Coverage definitely affects the price. Generally, there are basic health insurance products that provide medical assistance but do not cover hospitalization or surgeries. These products tend to be more affordable. In contrast, more comprehensive plans that include medical visits, tests, treatments, surgeries, and full hospitalization coverage are more expensive.

Does having copayments in Caser Medical Insurance Spain affect the price? Copayment is a type of arrangement where users of some policies pay a certain amount when using specific medical services. Insurers typically offer health products with copayments to reduce the cost of the insurance. Therefore, the higher the copayment, the lower the insurance cost. In short, yes, it influences the price.

Does having a medical network or reimbursement option affect the price of Caser Medical Insurance Spain? Yes, it does. With a medical network plan, the insurance company provides access to a network of professionals and medical centers without the insured having to pay invoices directly (according to contract terms and if not choosing a copayment product). For reimbursement plans, the insured can choose any doctor or center outside the network approved by the company. In that case, the insured pays upfront and then claims reimbursement. This definitely influences the price of the insurance.

Does the number of insured people affect the cost of Caser Medical Insurance Spain? Yes, it can. Some insurance companies offer discounts for adding multiple insured persons. This is common in family health policies that include coverage and services for all family members. In other cases, policies with more insured members may be more expensive.

Does the place of residence influence the price of the Caser Health Insurance policy? Definitely. Insurance companies usually consider the place of residence when setting the premium, because healthcare costs can vary from one province to another.

How can I cancel Caser Medical Insurance Spain?

There are many reasons why people feel the urgent need to cancel their medical insurance. So, how can I cancel Caser Medical Insurance Spain? Let’s see that canceling the medical insurance is a very simple process.

The Caser Medical Insurance contract is for 12 months, but this applies not only to Caser; all health insurance companies follow the same rules. Because of this, the health insurance law in Spain states that to cancel Caser Medical Insurance Spain, you only need to notify Caser at least one month before the contract reaches its one-year term.

For example, if your Caser 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 Caser Medical Insurance Spain?

When we purchase health insurance with Caser healthcare services in Spain, we gain several benefits. Without a doubt, this is very useful and is why many people choose it as their best health solution. However, you should know that almost all policies have waiting periods that must be respected. A waiting period in health insurance is the time you must wait before using certain services or coverage. That’s why many ask: What is the waiting period for Caser Medical Insurance Spain?

The waiting period is the initial span of time during which any diagnosed conditions in the insured will not be covered. Generally, this 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 are usually covered immediately. The length of the waiting period will depend on the type of health insurance you contract, as well as the care you need.

Waiting periods serve as a guarantee for insurance companies. They ensure that clients do not subscribe to health insurance just to cover a specific need and then cancel the contract once that need is met.

What exclusions does Caser Medical Insurance Spain have?

The limitations or exclusions in a health insurance policy are those cases or situations that the contracted policies do not cover. Among these are treatments like dialysis, breast reconstruction, and many others. But it is important to know: What exclusions does Caser Health Insurance Spain have? Some of them are the following:

• The cost and price of pharmaceutical products, except those administered during hospitalization such as chemotherapy drugs. Non-authorized medicines in Spain are also not covered.
• Healthcare related to conditions, accidents, malformations, injuries, or defects caused by: terrorist acts, practicing sports, work or occupational accidents, armed conflicts, nuclear radiation, traffic accidents, among others.
• Medical care for pre-existing illnesses and injuries, or even sequelae caused by an accident before the insurance contract.
• Hospitalization due to social causes. This applies to patients with functional deterioration who suffer from chronic illness or age-related conditions.
• Transplants, except for bone marrow and cornea transplants.
• Cosmetic surgery, meaning that reconstructive plastic surgery and refractive surgery such as for myopia, hyperopia, and astigmatism are excluded.
• Healthcare due to negligence resulting from drug addiction, self-harm, alcoholism, drug use, suicide attempts, among others.
• Voluntary termination of pregnancy. This includes care during childbirth at private homes or through some other alternative means.

Can I get Caser Medical Insurance if I have a serious illness?

Many people who want to get Caser health insurance ask: Can I get Caser Medical Insurance Spain if I have a serious illness? Well, one of the main factors that often prevent someone from being approved for Caser health insurance and its medical network is having a serious illness.

Generally, insurers do not approve policies if the applicant has a pre-existing illness or a serious condition. To verify this, you are required to fill out a health questionnaire where you must disclose any illnesses you have. You also need to report any injuries or surgeries you have had in the past that may have left lasting effects. With this information, the insurer assesses the application and the risk posed by the individual.

Now, because applicants might lie on the health questionnaire in order to get the policy, and given the high risk this poses for insurers, Spanish insurance law (Article 10, Law 50/1980, of October 8, on insurance contracts) states that the insurer is exempt from paying any compensation if false information is provided regarding the applicant’s health, particularly omitting any serious pre-existing illness.

However, if a person wishing to get health insurance has had a serious illness in the past, they may be able to get Caser Health Insurance Spain only if they have fully recovered and do not have serious lasting effects. Their current health condition must be verified beforehand.

CASER Medical Insurance

Main Coverages of CASER Medical Insurance

Caser Insurance Offices in Spain

Caser Seguros España offers the following: For individuals: Caser Home, Caser Health, Caser Dental, Caser Life, Caser Funeral, Caser Car, Caser Motorcycle, and more. For expatriates: Caser Liability Insurance, Caser Business Insurance, Caser Vehicle Insurance, Caser Self-Employed Plans, Caser Health, etc. For companies: Caser Health, Caser Liability Insurance, Caser Transport, Caser Surety, and more.