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“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

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Alba Navarro Pérez

IMQ Medical Insurance Basque Country

IMQ Seguros (Igualatorio Médico Quirúrgico) is an insurance company dedicated to providing private healthcare services and health insurance. It is headquartered in Bilbao (Biscay, Basque Country) and was founded in 1934, making it the oldest private medical insurer in the region. Today, it offers various quality products to all its clients, with one of the best being the IMQ Medical Insurance Basque Country. This allows it to provide its distinguished clientele with the best healthcare services.

At the time of its founding, it was established under the name Asociación del Igualatorio Quirúrgico y de Especialidades. It was created at a time when there was no true public healthcare system in the Basque Country. A hundred doctors from the Biscayan capital launched the first private healthcare system in the Basque Country, aiming to guarantee the growing middle class access to surgical care of free choice through an affordable family or individual policy with a monthly payment.

Currently, many people do not hesitate to choose IMQ because it offers efficient healthcare services. Its IMQ health insurance policy is the best among its offerings, as clients enjoy great advantages. This makes IMQ Health Insurance one of the best options available in the Basque Country.

Therefore, if you have access to the IMQ Basque Country medical network, you can have everything necessary for excellent and timely care. Their medical services and health centers stand out for their high quality. As a result, all their clients receive the best IMQ healthcare.

IMQ Seguros offers IMQ Health, IMQ Funeral Insurance, IMQ Accident Insurance, IMQ Travel, IMQ Ski, IMQ Accidents, among others.

What Does IMQ Medical Insurance Basque Country Cover?

Having IMQ medical insurance is truly a privilege for the people of the Basque Country, as they can count on excellent quality healthcare services. Without a doubt, this is something you need for the protection and care of your family group. Therefore, with IMQ you have everything necessary for proper health care.

We know that in the Basque Country, public healthcare is a system lacking services and, being free, it is highly overwhelmed. This situation causes users to face long waiting times, sometimes several months. Unfortunately, this negatively impacts patients who urgently need emergency services. That is why IMQ offers excellent services through its health insurance policy and IMQ medical network, providing the protection needed as quickly as possible. But: What Does IMQ Medical Insurance Cover?

There are many benefits offered by IMQ Health Insurance, where you and your family can have excellent and timely protection for your health. IMQ offers 6 plans: IMQ Activa, IMQ Azul Insurance, IMQ Oro Insurance, IMQ Oro Plus Insurance, IMQ Autónomos Insurance, and IMQ Kirola Insurance. Each is designed to meet different needs so you can feel safe and protected regarding your health.

With IMQ Activa, you have insurance that adapts to your lifestyle and can protect you at any moment. All this is thanks to professional, close, and personalized service. It covers: Access to 2,400 consultations across all specialties, 24-hour home and outpatient emergency care, extended consultation hours and personalized attention, outpatient physiotherapy and musculoskeletal rehabilitation, psychotherapy with up to 15 sessions per year, second medical opinions with top global specialists, high-tech diagnostic tests, pregnancy monitoring, and more.

IMQ Azul is a comprehensive healthcare plan at an attractive price. You can take care of your health with medical professionals of your choice and digital services. It has no copay or two copay options, whichever you prefer. It covers digital services through the IMQ app, medical-surgical treatments including advanced specialized surgery, radiotherapy and chemotherapy, physiotherapy and rehabilitation therapies, pregnancy and childbirth, 24-hour emergencies, hospital stays in private rooms with a bed for a companion, second opinions from top global specialists, urgent medical assistance abroad up to €12,000, advisory and guidance services, and much more.

IMQ Autónomos offers fast medical assistance adapted to your life, with wide consultation hours, quick tests and results, and online services. It covers laboratory tests and diagnostics, the option for hospitalization and surgical coverage, dentistry, 24-hour home and outpatient emergency care, pregnancy and childbirth preparation, 1,839 medical professionals, 2,400 consultations in all specialties, and more.

IMQ Kirola is insurance for athletes, where if you practice sports, it includes medical and surgical assistance with specialists for any sports-related injury. It also covers sports medical examinations, very comprehensive coverage for sports injuries, and more.

With IMQ Oro, you have insurance so you don’t have to worry about anything. It covers 24-hour emergencies and ambulance service, dentistry including extractions, dental cleaning, scaling, root planing, oral care, and X-rays, special treatments such as physiotherapy, pelvic floor rehabilitation, radiotherapy and chemotherapy, outpatient cardiac rehabilitation, up to 20 psychotherapy sessions per year, pregnancy and childbirth, family planning and assisted reproduction, oncological PET diagnostics, advanced specialized surgery, and much more.

IMQ Oro Plus is insurance that gives you access to doctors and centers worldwide, very useful for any occasion. It covers reimbursement of up to 90% of healthcare expenses outside the IMQ network, special exploration and diagnostic techniques, physiotherapy, pelvic floor rehabilitation, radiotherapy and chemotherapy, cardiac rehabilitation, assisted reproduction and family planning, advanced specialized surgery, dentistry, and much more.

Conditions for Contracting IMQ Health Insurance in the Basque Country

When you take out IMQ health insurance, you receive everything essential in terms of healthcare. We know that taking care of your health is undoubtedly necessary—especially if you are the pillar of your family. That said, there are certain conditions you need to be aware of before contracting the insurance. So, what are the conditions for taking out IMQ health insurance? Let’s take a look:

• You must provide your place of residence. If you are a resident of the Basque Country, you are eligible to acquire IMQ health insurance.
• To obtain IMQ health insurance, you simply need to fill out our form located at the beginning of the article. After that, one of our agents will take note of your details and call you to verify the information you’ve provided. You will then receive another call to complete a questionnaire by phone. It’s important to note that our agents can assist you throughout the entire contracting process.
• If your age is between 18 and 65 years old, you are eligible to take out IMQ medical insurance.
• You will be asked to provide information about your current state of health.
• You must indicate your occupation.

What Documentation Do I Need to Contract IMQ Health Insurance in the Basque Country?

To obtain IMQ health insurance in the Basque Country, you’ll need to provide certain documents that justify your health status. These documents and requirements are essential for IMQ and must be submitted before the health insurance policy can be contracted. So, what documentation is needed to take out IMQ medical insurance? Let’s take a look:

1. Complete the Health Questionnaire – By filling out the health questionnaire, IMQ can determine whether the applicant has any chronic or pre-existing conditions. It will also assess habits such as smoking or alcohol consumption.
2. Full Name – You must provide both the first and last name of the person who wishes to take out the IMQ medical insurance.
3. Photocopy of DNI, NIE, or Passport of the Policyholder – Any of these documents can be submitted to process the IMQ health insurance, but they must be valid. If any of them are expired, they will not be accepted.
4. Bank Account in the Basque Country – You must have a local bank account to set up payments.
5. Proof of Residence Address – IMQ requires this information to calculate the premium for the medical insurance. Therefore, it’s important to provide this when applying for the policy.

What factors influence the price of IMQ Health Insurance?

By having health insurance with IMQ Health Assistance you get a care service adapted to each need. This applies both to you and to the beneficiaries you have included in the health insurance. Now then, you should know that not all policies have the same price due to various factors. That is why many people, faced with the question of why there are so many different prices, ask themselves: What factors influence the price of IMQ health insurance? Let’s look at the most important ones:

Does it influence the price whether the IMQ health insurance has many or few coverages or guarantees? Yes, it does. Generally, there are basic health products or insurance in which you can have medical care, but hospitalization and surgeries are not covered. In this case, those products have more affordable prices. On the other hand, the more expensive insurances are the ones that are more complete in terms of care since they cover medical visits, tests and treatments, surgical procedures, and all types of hospitalization.

How important is it to be in good health to contract IMQ health insurance? Well, it is essential to be in good health to contract IMQ health insurance. To prove it, you must answer a medical questionnaire. This verifies the health status of the person contracting the insurance, regardless of their age. This way, the insurer obtains a medical history in which it is observed whether there are any pre-existing illnesses, surgical interventions, treatments you may have had, among others.

Is age an important factor when contracting IMQ health insurance? Yes, it is. The factor that most influences the assessment of risk is age. That is why, the older you are, the more likely you are to suffer from illnesses. On the other hand, the premium may be higher for a health insurance policy if the beneficiaries are very young, that is, if they are children. This is because the younger they are, the more emergencies they may need, as well as more frequent check-ups, which generates additional costs and therefore makes the policy more expensive for minors.

Can having Copayments affect the price of IMQ health insurance? In the copayment modality, for a certain amount of money, users of some policies can access a specific medical service. In these cases, insurers offer health products with copayment to reduce the cost of the insurance. Therefore, the higher the copayment, the lower the cost. In short, yes, it does influence the price.

Does the policyholder’s residence affect the price of the IMQ health policy? Yes, it does, since this is a factor that insurers usually consider when setting the amount of the insurance premium. This is because healthcare and assistance costs are, in most cases, different between provinces.

If IMQ health insurance has a medical directory or reimbursement, can it affect the price? Yes, it does, because in a health insurance policy with a medical directory, the insurer offers its insured clients its network of professionals and medical centers without the need to pay additional costs. Similarly, in the case of a reimbursement policy, the policyholder can choose any center or doctor outside the network agreed upon by the insurer. In that case, the invoice must be paid, and then the corresponding reimbursement must be processed with the insurance company.

Does the number of insured persons included affect the cost of IMQ health insurance? Yes, it does, although generally many insurers offer discounts for adding insured persons. This is common in most health insurance policies that have coverages and services designed for large family groups. In other cases, the policies are simply of lower cost.

How can I cancel my IMQ health insurance?

Due to various reasons, many people occasionally find themselves in the unfortunate situation of needing to cancel their health insurance. But, how can I cancel my IMQ health insurance? We can tell you that canceling your health insurance is a very simple process. Let’s see:

The IMQ health insurance contract lasts for 12 months, but this doesn’t apply only to IMQ—all health insurance companies follow the same rules. Because of this, the health insurance law in the Basque Country states that, to cancel IMQ health insurance, you must notify IMQ at least one month before the end of the annual contract period. For example: if your IMQ health policy (or that of any other health insurance company) ends on December 31st, you only need to inform the insurer of your decision not to renew it before November 30th.

What is the waiting period for the IMQ Health Insurance?

When you take out IMQ health insurance, you gain many advantages through its IMQ healthcare services. Without a doubt, it’s a major benefit for IMQ clients, which is why many people choose it as their best option. However, when you sign up for this health policy, you should know that it includes certain waiting periods that must be respected and are important to understand.

A waiting period in health insurance refers to the initial time frame during which the insured person cannot use certain services or coverage. Therefore, it’s very important to know: what is the waiting period for the IMQ health insurance? before signing up. Let’s see:

A waiting period is the initial period of time during which any conditions diagnosed in the insured person will not be covered, and it usually lasts 30 days for simple illnesses and up to 90 days for more complex conditions, starting from the date the health insurance is contracted. Accidental emergencies are typically excluded from this rule. However, the exact time may vary depending on the type of health insurance you choose and the services you require.

Additionally, it’s important to note that waiting periods also serve as a safeguard for insurance companies. These time frames help ensure that a client does not take out a health policy just to cover a specific need, and then cancel the contract once that need has been met.

What exclusions does the IMQ Health Insurance have?

An exclusion or limitation in a health insurance policy refers to any situation or condition that is not covered under the contracted policy, for various reasons. Since there are many possible exclusions, people often ask: What exclusions does IMQ health insurance have? Let’s look at the most important ones:

• Healthcare related to diseases, accidents, malformations, injuries, or defects caused by: terrorist acts, war conflicts, nuclear radiation, sports practice, occupational or work-related accidents, traffic accidents, and others.
• Healthcare for pre-existing conditions or injuries, including any after-effects resulting from an accident that occurred before the insurance contract was signed.
• Cost of pharmaceutical products, except for those administered during hospitalization, such as chemotherapy drugs. Medications not authorized in the Basque Country are also not covered.
• Cosmetic surgery, meaning reconstructive plastic surgery and refractive eye surgery (e.g., for myopia, hyperopia, or astigmatism) are excluded.
• Voluntary termination of pregnancy, including home births or other alternative methods of childbirth assistance.
• Healthcare resulting from negligence due to drug addiction, self-harm, alcoholism, use of narcotics, suicide attempts, etc.
• Hospitalization for social reasons, such as for patients with functional decline, chronic illnesses, or conditions related to aging.
• Transplants, with the exception of bone marrow and cornea transplants.

Can I take out IMQ health insurance if I have a serious illness?

Many people often wonder whether being in good health is necessary to take out health insurance. That’s why one of the most frequently asked questions by applicants for IMQ health insurance is:
Can I take out IMQ health insurance if I have a serious illness?
Well, we must inform you that serious illnesses are one of the main factors preventing approval for IMQ health insurance and its medical network.

Insurance companies generally do not approve policies if the applicant has a pre-existing condition or any serious illness prior to contracting the insurance. In order to verify the applicant’s health condition, it is required to complete a health questionnaire, where any existing illnesses must be disclosed. You must also report any past injuries or surgical operations that left aftereffects. With this information, the insurance company will assess the risk and determine whether the policy can be approved.

Because many people know that having a serious or pre-existing illness may prevent them from taking out health insurance, some lie on the questionnaire in order to obtain coverage.

In such cases, given the high risk it poses to insurers when false information is provided, Spanish law (Article 10, Law 50/1980 of October 8) on insurance contracts in the Basque Country clearly states:

The insurance company will be exempt from paying any compensation in the event that false information is provided in the medical questionnaire.This includes any omissions of serious or pre-existing illnesses by the applicant. However, if a person previously suffered from a serious illness but has since fully recovered without any severe aftereffects, they may still be able to take out IMQ health insurance, but their current health condition must be verified beforehand.

IMQ Health Insurance

Main Coverages of IMQ Health Insurance