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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

Health Insurance Insurance Bilbao Spain

Seguros Bilbao Spain was founded around 1918 by three entrepreneurs who seized the opportunity to insure units in both the marine and transport sectors. By the early 1930s, they began diversifying into fire insurance. Then, in the 1940s, they expanded into health, accident, and life insurance. At the same time, they started territorial expansion to elite cities such as Madrid, Barcelona, and Seville. In 2004, Seguros Bilbao became part of the Catalana Occidente Group, to which it still belongs today. Joining the renowned Catalana Occidente Group allowed it to establish itself as a leading insurer in both risk protection and long-term family planning. Today, Seguros Bilbao is considered one of the top insurance companies in Spain, with its health insurance being one of its flagship products.

The Seguros Bilbao Spain health policy is one of its premier products, offering excellent benefits to clients. This makes Seguros Bilbao Spain Health Insurance recognized as one of the best in the healthcare sector. By having access to the Seguros Bilbao Spain medical network, clients receive outstanding care from a team of specialized doctors and fully equipped healthcare centers ready for any emergency. Without a doubt, clients can rely on the best Seguros Bilbao Spain medical assistance, which is essential for their health.

Seguros Bilbao Spain offers a wide range of insurance products, including Seguros Bilbao Savings, Seguros Bilbao Retirement, Seguros Bilbao Life, Seguros Bilbao Funeral, Seguros Bilbao Home, Seguros Bilbao Health, Seguros Bilbao Auto, and much more.

What Does Seguros Bilbao Spain Health Insurance Cover?

By getting Seguros Bilbao Spain health insurance, we obtain good services, ideal for protecting our health and that of our family members. With this product, you have access to quality medical consultations. Likewise, you also have diagnostic tests, emergency services, among other benefits. These services, as is known, are very difficult to obtain quickly within the public healthcare system, where long waiting periods are common. This is available through the Seguros Bilbao Spain health policy and medical network.

But before getting one, you might wonder: What does Seguros Bilbao Spain Health Insurance cover? By getting Seguros Bilbao Spain health insurance, both you and your family gain the peace of mind you need regarding health. Seguros Bilbao offers three modalities: Health Assistance Insurance, Mixed Reimbursement Insurance, and Premium Reimbursement Insurance. Each of these adapts to different needs, so you and your family can be protected.

The Seguros Bilbao Health Assistance policy is a very comprehensive insurance at a very competitive price. It covers: medical network, general medicine and specialties, diagnostic services, emergency and hospitalization services, medication reimbursements, pediatric and gynecological consultations, a wide dental medical network, video consultation service, and assistance abroad.

Seguros Bilbao Mixed Reimbursement gives you the opportunity to choose the modality that interests you most. Additionally, you have the option to extend coverage according to your needs. It covers: medical network, option for daily indemnity for stays in public hospitals, general medicine and specialties, emergency and hospitalization services, medication reimbursements, pediatric and gynecological consultations, a wide dental medical network, video consultation service, and assistance abroad.

With the Seguros Bilbao Premium Reimbursement policy, this insurance reimburses 100% of hospitalization expenses due to illness, childbirth, or any accident, of course according to the insured amount. It covers: medical network, option for daily indemnity for stays in public hospitals, general medicine and specialties, diagnostic services, emergency and hospitalization services, medication reimbursements, pediatric and gynecological consultations, a wide dental medical network, video consultation service, and assistance abroad.

Conditions to Contract Insurance Bilbao Spain Health Insurance

When you contract Seguros Bilbao Spain health insurance, you get the best for your health. Without a doubt, this is vital, especially if you are the pillar of your family. Now, it is important to know that there are certain conditions to contract Seguros Bilbao health insurance. But, what conditions are established when contracting Seguros Bilbao Spain health insurance? Let’s look at some of them:

• You must provide information about your place of residence. If you are a Spanish resident, you can acquire Seguros Bilbao health insurance.
• To contract Seguros Bilbao Spain health insurance, you must fill out our form indicated at the beginning of the article. Then, one of our agents will record your information and call you to verify the details you provided. Afterwards, you will be called again to complete a questionnaire over the phone. It is important to highlight that our agents can advise you throughout the entire contracting process.
• If your age is between 18 and 65 years, you can contract Seguros Bilbao health insurance.
• You will be asked for information about your health status.
• You must indicate the occupation you practice.

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

If you want to acquire Seguros Bilbao Spain health insurance, you should know that you will need to provide certain documents that justify your health condition. These documents and requirements must be ready before contracting a health insurance policy, as they are very important for insurers. So, what documentation do I need to contract Seguros Bilbao Spain health insurance? Here they are:

1. Fill out the health questionnaire. By completing the health questionnaire, Seguros Bilbao can determine if the person contracting the health insurance has any chronic or pre-existing condition, as well as any habits such as smoking or alcohol consumption.
2. Provide full name. It is essential to supply the first and last name of the person who wishes to acquire Seguros Bilbao Spain health insurance.
3. Photocopy of DNI, NIE, or passport of the policyholder. Any of these documents can be submitted for the process of Seguros Bilbao Spain health insurance, but they must be valid. Expired documents will not be accepted.
4. Have a bank account in Spain.
5. Provide your residential address. Seguros Bilbao requires this information to calculate the premium of the health insurance. Therefore, it is important to provide this information when requesting the contract for Seguros Bilbao Spain health insurance.

What factors influence the price of Insurance Bilbao Spain Health Insurance?

When acquiring Seguros Bilbao Spain health insurance and healthcare assistance, both the policyholder and beneficiary family members will receive quick and timely care. However, you should know that there are some elements that influence the calculation of its price. But, what factors influence the price of Seguros Bilbao Spain health insurance when contracting it? Here are the most relevant:

How much does age influence the contracting of Seguros Bilbao Spain health insurance? Perhaps the most influential factor when calculating risks in a health insurance policy is age. The older the policyholder, the more likely illnesses are to occur. However, it is not only adult age that matters; if you have babies, it also influences the price. The younger they are, the more medical services they may need.

Is it important to be in good health to contract Seguros Bilbao Spain health insurance? Yes, it is essential for contracting Seguros Bilbao health insurance to be in good health and complete a medical questionnaire. This verifies the health status of the person contracting the insurance, regardless of age. This way, a medical history is obtained that specifies whether there are previous illnesses, surgeries, treatments, and other relevant information.

Does Seguros Bilbao Spain health insurance having copayments affect its price? A copayment is a type of modality in which policyholders pay a certain amount when using a specific medical service. Generally, insurers offer health products with copayments to reduce the cost of insurance. Therefore, the higher the copayment, the lower the insurance cost. In short, it does influence the price.

How much do coverages affect the price when contracting Seguros Bilbao Spain health insurance? Coverage clearly affects the price, because basic health insurance products may provide medical assistance but not hospitalization or surgeries. These basic products have more accessible prices. In contrast, more comprehensive insurance that includes medical visits, tests, treatments, surgeries, and all types of hospitalization is more expensive.

Does having a medical network or reimbursement option affect the price of Seguros Bilbao Spain health insurance? Yes, it does. In a health insurance policy with a medical network, the insurance company provides its policyholders access to its network of professionals and medical centers without paying invoices (according to the contract terms and without selecting a copayment option). In the case of a reimbursement policy, the insured can choose any medical center or doctor outside the network approved by the company, pay the invoice, and then request reimbursement from the insurer. This clearly affects the price of the insurance.

Does the place of residence influence the price of Seguros Bilbao Spain health insurance? Definitely. This is usually considered by insurance companies when establishing the premium, as healthcare costs can vary between provinces.

Does the number of insured people included affect the cost of Seguros Bilbao Spain health insurance? Yes, it can. Some insurance companies offer discounts for adding multiple insured people. This applies to health policies with coverages and services designed for all family members. In other situations, policies may have higher costs.

How can I cancel Insurance Bilbao Spain Health Insurance?

In Spain, there are many reasons why some people may need to cancel the health insurance they have contracted. However, many do not know how to do it. Faced with this doubt, many ask: How can I cancel Seguros Bilbao Spain health insurance? Well, canceling health insurance is a very simple procedure. Let’s see:

The Seguros Bilbao Spain health insurance contract is for 12 months, but this does not only apply to Seguros Bilbao, since all health insurance companies follow the same parameters. Because of this, Spanish health insurance law states that to cancel Seguros Bilbao Spain health insurance, you only need to notify Seguros Bilbao at least one month before the contract year ends.

For example: if your Seguros Bilbao Spain health policy, or that of any other health insurance company, 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 Insurance Bilbao Spain Health Insurance?

As we have mentioned throughout the article: when we contract health insurance with Seguros Bilbao Spain healthcare services, there are several advantages. There is no doubt that this is very useful, which is why many people choose it as their best solution for health. Now, in this and most insurance policies, there are some waiting periods that must be respected. Just in case you don’t know, a waiting period in health insurance is the time you must wait before using certain services or coverages. But: what is the waiting period for Seguros Bilbao Spain health insurance? Let’s see:

The waiting period is the initial span of time during which any conditions diagnosed in the insured will not be covered. Generally, it lasts 30 days for simple illnesses and up to 90 days for more complex conditions from the start of the health insurance contract, with the exception of most accidental emergencies. The exact duration depends on the type of health insurance you contract as well as the treatments or services you require.

Additionally, it is important to know that waiting periods also serve as a guarantee for insurers. They ensure that the client does not subscribe to health insurance solely to cover a specific need and then cancel the contract once that need is met.

What exclusions does Insurance Bilbao Spain Health Insurance have?

Exclusions in health insurance are those cases that are not covered under the contracted policies. Because of this, it is important to know: what exclusions does Seguros Bilbao Spain health insurance have? Let’s see the most important ones:

• Healthcare due to negligence resulting from drug addiction, self-harm, alcoholism, use of narcotics, suicide attempts, among others.

• Voluntary termination of pregnancy. This includes assistance for childbirth at private homes or even through some alternative methods.
• The value and cost of pharmaceutical products. Except for those administered during hospitalization, such as drugs used in chemotherapy. Medications not authorized in Spain are also not covered.
• Hospitalization for social reasons. This applies to patients with functional deterioration who suffer from chronic illnesses or conditions associated with aging.
• Transplants, except for bone marrow and cornea transplants.
• Healthcare related to pathologies, accidents, malformations, injuries, or defects caused by terrorist acts, war conflicts, nuclear radiation, sports practice, occupational or professional accidents, traffic accidents, among others.
• Healthcare for pre-existing illnesses or injuries, including sequelae from an accident that occurred before contracting the insurance.
• Cosmetic surgery, meaning plastic surgery for reconstructive purposes and refractive surgery such as myopia, hyperopia, and astigmatism are excluded.

Can I take out Insurance Bilbao Spain Health Insurance with a serious illness?

In Spain, many people, when wanting to get Seguros Bilbao health insurance, ask: Can I take out Seguros Bilbao Spain health insurance with a serious illness? You should know that one of the main factors that can prevent someone from getting health insurance and its medical network with Seguros Bilbao Spain is having a serious illness.

Generally, insurance companies do not approve policies if the applicant has a pre-existing or serious illness. In these cases, to certify their condition, they must fill out the health questionnaire indicating any illnesses they have. They must also provide information on any injuries or surgeries they have had in the past that may have left sequelae. In this way, the insurance company evaluates the application and the risk that the person represents for them.

Since it is possible that a prospective insured person might lie on the health questionnaire to obtain the policy, Article 10 of Law 50/1980 of October 8, on the insurance contract in Spain, states the following: The insurer will be exempt from paying any compensation if any false information is provided in the medical questionnaire regarding the insured’s health, omitting any pre-existing serious illness.

However, if someone wishes to take out health insurance and has previously had a serious illness, it may be possible to contract Seguros Bilbao Spain health insurance only if they have fully recovered from the illness without serious sequelae. In such cases, their current health condition must be verified before the policy can be issued.

Insurance Bilbao Health Insurance

Main Coverages of Insurance BILBAO Health Insurance