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IMA Ibérica Medical Insurance Spain

IMA Ibérica Seguros España is a Spanish subsidiary of the Inter Mutuelles Assistance (IMA) Group, which was established in 1989. This insurance company specializes in providing assistance services for both people and vehicles. The IMA Group was founded in 1981 and currently has 45 million beneficiaries worldwide. Over the years, alongside digital processes, IMA Ibérica has developed excellent products, with medical insurance standing out among them. Thus, IMA Ibérica emerged to guarantee healthcare assistance to anyone in need, with the IMA Ibérica Spain medical insurance being one of its best offerings.

IMA Ibérica insurance is a company that provides everything its clients need so they can feel safe and protected regarding their health. The IMA Ibérica Spain health policy is an excellent product that offers its clients fast and effective care. This allows clients to access quality services, including outstanding medical assistance, high-quality and efficient emergency services, and an extensive medical network. IMA Ibérica Health Insurance stands out because it offers high-quality policies, making IMA Ibérica a highly trusted insurer for its clients.

The IMA Ibérica Spain Health Insurance ranks among the best in Spain, as clients feel well cared for thanks to the IMA Ibérica Spain medical network. IMA Ibérica has excellent, highly experienced medical professionals as well as high-quality health centers for the satisfaction of its clients. Therefore, IMA Ibérica clients receive the best healthcare assistance available through IMA Ibérica Spain.

Likewise, IMA Ibérica Spain offers a wide range of insurance products, including: IMA Ibérica Home, IMA Ibérica Health, IMA Ibérica Travel, IMA Ibérica Car, and many more.

What Does IMA Ibérica Medical Insurance Spain Cover?

If you get IMA Ibérica Medical Insurance Spain , you will receive great benefits. This is something not easy to obtain in the public healthcare system because, being a free service, it is highly saturated. This leads to long waiting times, sometimes lasting several months. Therefore, the most important thing is to have timely protection through the benefits offered by both the health insurance and the IMA Ibérica Spain medical network.

Now then, what does IMA Ibérica Medical Insurance Spain cover? With IMA Ibérica, you can access various services ranging from excellent primary care, diagnostic tests, and highly efficient emergency services. By contracting IMA Ibérica Spain health insurance, you and your family will have what you need for your health. IMA Ibérica offers the “IMA Ibérica Vida Diaria” (Daily Life) plan. This is a fantastic option tailored to each requirement, allowing clients to feel protected according to their needs.

IMA Ibérica Vida Diaria is a product designed to provide necessary daily assistance to policyholders. In cases of illness or accident requiring hospitalization or immobilization, this plan offers needed support. IMA Ibérica provides a flexible and customizable offer depending on the needs of the insured. It covers consultations and tests, primary care, chronic disease monitoring, assistance in case of hospitalization or immobilization, medication delivery, transportation of a companion to accompany the hospitalized client, accommodation expenses for a family member, and more.

Conditions to Contract IMA Ibérica Medical Insurance Spain

When contracting IMA Ibérica Medical Insurance Spain, you get the best in healthcare. This is important, as being the pillar of your family means you should seek to provide them with the best protection. Now, it is essential to know that there are some conditions to be met when contracting it. So, what conditions are established to contract IMA Ibérica Medical Insurance Spain ? Let’s see the following:

You must inform where your residence is located. If you are a resident of Spain, it is possible to contract IMA Ibérica health insurance.
You must fill out our form located at the beginning of the article if you wish to contract IMA Ibérica Spain health insurance. Afterwards, one of our agents will take note and call you to verify the information you have requested. Then, you will be contacted again to complete a questionnaire by phone. It is important to highlight that during the entire contracting process, any of our agents can assist you.
If you are between 18 and 65 years old, you can contract IMA Ibérica medical insurance.
You will be asked to provide information about your health status by filling out a health questionnaire.
You must indicate your occupation.

What documentation do I need to contract IMA Ibérica Medical Insurance Spain ?

In order to take advantage of the benefits of IMA Ibérica Medical Insurance Spain , you should know that some documents are required to justify your health condition. These documents and other requirements are essential for insurers when checking the person applying. So, what documentation do I need to contract IMA Ibérica Spain medical insurance? Let’s see what they are:

Fill out the health questionnaire. By completing the health questionnaire, IMA Ibérica determines whether the applicant has any chronic or pre-existing illness. Likewise, it can also be known if the applicant 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 wishes to get IMA Ibérica Spain medical insurance.
Provide a photocopy of DNI, NIE, or passport of the insurance holder. Any of these documents are fully valid to obtain IMA Ibérica Spain health insurance. However, it is important to highlight that these must be current. Therefore, expired documents will not be accepted.
Have a bank account in Spain.
Provide the residential address. To calculate the medical insurance premium, IMA Ibérica requires this important information. Therefore, it is necessary to provide it when applying for IMA Ibérica Spain medical insurance.

What factors influence the price of IMA Ibérica Medical Insurance Spain ?

When contracting and obtaining IMA Ibérica Medical Insurance Spain and healthcare assistance, the client and their family receive quality care. Therefore, by contracting it, you will have excellent benefits. Now, when choosing among these plans, you will likely notice they have varying prices. This is because there are several factors that affect the price. So, what factors influence the price of IMA Ibérica Spain medical insurance when contracting it? Let’s look at some questions and answers that explain which factors affect it:

Does the place of residence affect the price of IMA Ibérica Medical Insurance Spain? Yes, it does, because healthcare costs can vary from one province to another.

Does the number of insured persons included affect the cost of IMA Ibérica Medical Insurance Spain? Yes, it does. Generally, some insurance companies offer significant discounts for adding multiple insured individuals. This mostly happens in health plans designed with coverage and services for all family members. In other cases, policies might be more expensive. Therefore, it does affect the cost.

Does age affect contracting IMA Ibérica Medical Insurance Spain? Yes, it does. Age is the most influential factor when assessing risk. The older the applicant, the more likely they are to develop illnesses. Additionally, young children also influence pricing because the younger they are, the more medical services they might require.

Is it necessary to have good health to contract IMA Ibérica Medical Insurance Spain? Yes, good health is required to contract the health insurance. This is verified by answering a medical questionnaire to create a health record of the applicant. This determines the applicant’s health status regardless of age. The questionnaire must also specify any previous illnesses, surgeries, and so on.

Does having multiple coverages influence the price when contracting IMA Ibérica Medical Insurance Spain? Certainly, yes. Generally, there are basic and very inexpensive health products that do not cover hospitalization or surgeries. On the other hand, more comprehensive insurance policies include many benefits such as tests, treatments, surgeries, and hospital stays, which increase the cost.

Can having a medical network or reimbursement option affect the price of IMA Ibérica Medical Insurance Spain? Yes, it does. If the policy has a reimbursement option, the insured can choose any center or doctor outside the insurer’s network and pay the bill upfront, then request reimbursement. Conversely, if the insurance includes a medical network, the insurer offers access to medical professionals and centers without additional charges.

Does the copayment option influence the price of IMA Ibérica Medical Insurance Spain? Usually, insurance companies offer copayment plans to reduce the insurance cost. Copayment is a system 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.

How can I cancel my IMA Ibérica Medical Insurance Spain?

There are many reasons why some people with health insurance decide to cancel their coverage. However, many do not know how to do it. So, if you are one of them, you might ask: How can I cancel my IMA Ibérica Spain medical insurance? Well, canceling medical insurance is easy to do. Let’s see how:

It is known that the IMA Ibérica Medical Insurance Spain contract lasts 12 months, but this is not unique to IMA Ibérica; all health insurance companies follow the same rules. Because of this, Spanish health insurance law states that to cancel IMA Ibérica Medical Insurance Spain, you only need to notify IMA Ibérica at least one month before the contract’s anniversary. For example: if your IMA Ibérica Medical Insurance Spain or any other health insurer’s policy ends on December 31, you just need to inform the insurer of your decision not to renew it before November 30.

What is the waiting period for IMA Ibérica Medical Insurance Spain?

If we contract the health insurance and medical assistance from IMA Ibérica Spain, we have everything necessary for proper healthcare. However, it is important to know that this type of health policy includes waiting periods that must be observed. A waiting period in health insurance is the time you must wait before you can use certain services or medical coverages. Many people do not know what the waiting period is for IMA Ibérica Medical Insurance Spain, so here we will tell you before you get one.

Generally, the waiting period lasts 30 days for simple illnesses and up to 90 days for more complex conditions. This period starts from the date the health insurance is contracted. Exceptions are made for accidental emergencies, which do not follow these waiting periods. The exact time will depend on the health insurance you choose, as well as the care you need.

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

What are the exclusions of IMA Ibérica Medical Insurance Spain?

Exclusions in a medical insurance policy are situations that cannot be covered for various reasons. Since there are many exclusions in health insurance, we may ask: What exclusions does IMA Ibérica Medical Insurance Spain have? Below are the most important:

Medical care due to negligence as a result of drug addiction, self-harm, alcoholism, narcotic use, suicide attempts, among others.
Voluntary termination of pregnancy. This includes assistance for childbirth at private homes or through some alternative means.
The cost and price of pharmaceutical products: Except for those administered during hospitalization, such as drugs used in chemotherapy. Medications not authorized in Spain are also not covered.
Medical care for pre-existing diseases and injuries, or even sequelae caused by an accident before contracting the insurance.
Hospitalization for social reasons. This applies to patients with functional deterioration, chronic illness, or pathologies associated with aging.
Medical care related to pathologies, accidents, malformations, injuries, or defects caused by terrorist acts, war conflicts, nuclear radiation, sports practice, work-related accidents, traffic accidents, among others.
Transplants, except for bone marrow and cornea transplants.

Can I get IMA Ibérica Medical Insurance Spain with a serious illness?

It is known that one of the most frequent questions from IMA Ibérica insurance clients is: Can I get IMA Ibérica Medical Insurance Spain with a serious illness? In fact, one of the main reasons people are denied health insurance and access to the IMA Ibérica Spain medical network is due to serious illnesses.

Most insurers reject health insurance policies if the applicant has a pre-existing or serious illness. Because this is a significant limitation, many people do not disclose it and lie when filling out the health questionnaire, all in order to get the insurance.

For this reason, and to avoid false or doubtful information that poses a high risk to insurers, there are laws that protect insurance companies. Therefore, according to Article 10 of Law 50/1980, of October 8, on insurance contracts in Spain, the insurance company is exempt from paying any compensation if false data is provided on the medical questionnaire regarding the insured’s health status, including omission of serious or pre-existing illnesses.

However, there may be some exceptions. If a person who wants to get medical insurance has had a serious illness in the past, it will be possible to get IMA Ibérica Medical Insurance Spain only if they have fully recovered from the illness and have no serious aftereffects. This must obviously be verified beforehand.