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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

Adeslas Medical Insurance

Segurcaixa Adeslas Spain is a highly prestigious health insurance company that emerged in 1990 when the Agbar Group became, at that time, the main shareholder of SegurCaixa Adeslas. This marked the beginning of the most important health insurance consolidation process in Spain, a stage that concluded in 2002 with the alliance between the Agbar Group and the Malakoff Médéric group. Over the years, Adeslas grew stronger by acquiring other companies, and in 2010 it acquired both Agbar and Malakoff Médéric. Then, in 2011, the company became owned by Mutua Madrileña and VidaCaixa Grupo, the insurance group of “la Caixa,” which is now integrated into CaixaBank. Today, Adeslas is the leader in health insurance, with its best product being the Adeslas Medical Insurance Spain.

Segurcaixa Adeslas Salud is an insurance company with many commercial offices throughout the country, each providing excellent service. Regarding the Adeslas health policy, it is one of their best offerings, providing great benefits to clients. Without a doubt, Adeslas Health Insurance is one of the best in the sector across Spain and is considered to be of very high quality.

Likewise, with the Adeslas medical network, all its clients have everything necessary for quality care. This includes outstanding medical services and specialized health centers. Therefore, Adeslas clients enjoy the best Adeslas healthcare.

Adeslas Spain offers Adeslas Funeral Insurance, Adeslas Dental, Adeslas Health, Adeslas Home, Adeslas Accident, Adeslas Car, and much more.

What Does Adeslas Medical Insurance Spain Cover?

When taking out Adeslas Medical Insurance Spain, you will have access to quality healthcare services. This is something needed by people who want to protect their family’s well-being. That is why, with Adeslas, you can have everything you need regarding healthcare.

Unfortunately, we know that public healthcare is overloaded and involves long waiting times, even up to several months. All of this can even harm the health of patients who urgently need care. For this reason, it is very important to have the protection offered by both the health policy and the Adeslas Spain medical network.

Therefore, the ideal is to take out this policy, but: What Does Adeslas Medical Insurance Spain Cover? There are really many benefits offered by Adeslas Health Insurance Spain, where you and your family will have excellent health protection. Adeslas offers Adeslas Plena Vital, Adeslas Plena, Adeslas Plena Plus, Adeslas Plena Total, Adeslas Plena Seniors, and Adeslas Plena Go. All of them are adapted to any requirement, so that you feel protected.

Adeslas Plena Vital is a very comprehensive health insurance that offers the following coverages: General medicine and pediatrics, Medical-surgical specialties, All specialties, Preventive medicine, Diagnostic tests including high technology, Hospitalization, Clinical psychology, Childbirth preparation, Podiatry up to 12 sessions per year, and much more.

With Adeslas Plena you have one of the health insurance policies with the most and best coverages for all its clients. It covers General medicine and pediatrics, Medical-surgical specialties, All specialties, Preventive medicine, High-tech diagnostic tests, Hospitalization, Clinical psychology, Childbirth preparation, Podiatry up to 12 sessions per year, 50% reimbursement up to €500 for rehabilitation and physiotherapy medical expenses, and 50% reimbursement up to €200 for podiatry medical expenses.

Adeslas Plena Plus is a medical insurance without co-payments that allows access to the most complete healthcare. It also includes general medicine and all specialties. It also covers Medical-surgical specialties, Preventive medicine, High-tech diagnostic tests, Hospitalization, Clinical psychology, Surgical implants and prostheses, Corneal and bone marrow transplants, Childbirth preparation, and more.

With Adeslas Plena Total you have complete private medical insurance, without co-payments, that allows you a free annual check-up adapted to your needs, with dental care included, both inside and outside Spain. It also covers Primary medicine, Outpatient and hospital emergencies, High-tech diagnostic tests, Medical-surgical specialties, Hospitalization, Travel assistance with coverage up to €30,000, Psychology and psychotherapy, Childbirth preparation and related services, and much more.

With Adeslas Plena Seniors you have health insurance with extensive coverage, in addition to having the largest medical network in the country. It can cover Outpatient and hospital emergencies, General medicine, Personal advisor to assess your health, All medical specialties, Preventive medicine, Diagnostic tests, Medical and surgical hospitalization, Implants and prostheses, Special treatments, Corneal and bone marrow transplants, Overseas assistance, and more.

Adeslas Plena Go is a health care policy with outpatient coverage. It covers Primary medicine: general medicine, pediatrics, and nursing services, Medical-surgical specialties, High-tech diagnostic tests, Psychology, Childbirth preparation, Podiatry up to 12 sessions per year, IUD (including the cost of placement and device), Fetal DNA test in maternal blood, Free annual medical check-up, and more.

Conditions for Contracting Adeslas Medical Insurance Spain

If you take out Adeslas Health Insurance Spain, you will have everything essential in terms of healthcare—something that is undoubtedly necessary if you are the foundation of your family group. Now then, to contract it, there are certain conditions, but what conditions are established when contracting Adeslas Medical Insurance Spain? Let’s see:

1. To contract Adeslas Health Insurance Spain, you only need to fill out our form located at the beginning of the article. Afterwards, one of our agents will record your details and call you to verify the information you have requested. Then, you will be called again to answer a questionnaire over the phone. It is important to highlight that our agents will be able to advise you throughout the entire contracting process.
2. If your age is between 18 and 84 years, you can take out Adeslas Seniors medical insurance.
3. You will be asked for information regarding your state of health.
4. You must indicate the occupation you perform.
5. You must inform where your residence is located. If you are a Spanish resident, you can take out Adeslas Health Insurance.

What Documentation Do I Need to Contract Adeslas Medical Insurance Spain?

It is essential to know that in order to obtain Adeslas Health Insurance Spain, you must provide certain documents to justify your health status. All of these documents and requirements are mandatory for Adeslas, and therefore must be submitted before the health insurance policy is contracted. But: What documentation do I need to contract Adeslas Medical Insurance Spain? Let’s see:

1. Fill out the health questionnaire – By completing the health questionnaire, Adeslas can determine whether the person contracting the health insurance suffers from any chronic or pre-existing illness, as well as whether they have any habits such as smoking or alcohol consumption.
2. Full name – You must provide both the first name and last name of the person who wishes to obtain Adeslas Medical Insurance Spain.
3. Photocopy of DNI, NIE, or passport of the policyholder – Any of these documents can be submitted for the processing of Adeslas 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 – Adeslas requires this information to calculate the premium for the medical insurance. Therefore, it is important to provide this information at the time of requesting the contracting of Adeslas Medical Insurance Spain.

What Factors Influence the Price of Adeslas Medical Insurance Spain?

If you have Adeslas Medical Insurance and Healthcare Assistance Spain, you will receive timely care—both for yourself and for any beneficiaries included in the policy. Now then: What factors influence the price of Adeslas Medical Insurance Spain so you can get one? Let’s see:

Is it important to be in good health to take out Adeslas Medical Insurance Spain? Yes, it is essential to be in good health to contract Adeslas Health Insurance and to answer a medical questionnaire. This verifies the health status of the person contracting the insurance, regardless of age. In this way, a medical history is obtained specifying any previous illnesses, surgeries, treatments, among other details.

Does age affect the contracting of Adeslas Medical Insurance Spain? Yes, it does. As is well known, age is one of the main factors in assessing risk. The older you are, the greater the likelihood of illness. Likewise, premiums may also be higher if the beneficiaries are very young—such as babies—because the younger they are, the more likely they are to require urgent care and frequent check-ups.

Do coverage or guarantees affect the contracting of Adeslas Medical Insurance Spain? Yes, they do. Generally, there are basic health insurance products that include medical assistance but do not cover hospitalization or surgeries. These products tend to have more affordable prices. On the other hand, the more comprehensive plans, which include medical visits, tests, treatments, surgeries, and all types of hospitalization, are more expensive.

Does having a medical network or reimbursement option in Adeslas Medical Insurance Spain affect the price? Yes. In a health insurance policy with a medical network, the insurer provides policyholders with access to its network of professionals and medical centers without extra payment. In contrast, in a reimbursement policy, the insured can choose any doctor or center outside the company’s network, pay the bill, and then request reimbursement from the insurer.

Does having copayments in Adeslas Medical Insurance Spain affect the price? Yes. In the copayment model, users pay a set amount for using certain medical services. Insurers offer health plans with copayments to reduce the premium cost. The higher the copayment, the lower the premium.

Does the place of residence affect the price of Adeslas Medical Insurance Spain? Yes. This is a factor commonly taken into account by insurers when determining the premium, as healthcare costs often vary between provinces.

Does the number of insured persons affect the cost of Adeslas Medical Insurance Spain? Yes. Some insurers offer discounts for adding more insured persons, especially in family-oriented health plans. In other cases, adding more people simply increases the total cost of the policy.

How Can I Cancel Adeslas Medical Insurance Spain?

For many reasons, people often find themselves in the unfortunate situation of needing to cancel the medical insurance they have contracted. But how can I cancel Adeslas Medical Insurance Spain? We can tell you that canceling the medical insurance is a very simple process. Let’s see:

The Adeslas Medical Insurance Spain contract is for 12 months, but this does not only apply to Adeslas, as all health insurance companies follow the same parameters. Because of this, Spanish health insurance law states that to cancel Adeslas Health Insurance Spain, you must notify Adeslas at least one month before the contract year ends. For example, if your Adeslas Health Insurance Spain policy—or any other health insurance policy—expires 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 Adeslas Medical Insurance Spain?

You will have many advantages if you obtain health insurance with Adeslas Spain’s healthcare services. This is undoubtedly a guarantee for its clients, which is why many people choose it as their best option. Now, when we contract this health policy, you should know that it has certain waiting periods that must be respected and are important to understand.

A waiting period in health insurance is the amount of time you must wait before being able to use certain services or coverages. Therefore, it is very important to know: what is the waiting period for Adeslas Medical Insurance Spain? Let’s see:

A waiting period is the initial period during which any illnesses diagnosed in the insured cannot be covered, generally lasting 30 days for simple illnesses and up to 90 days for more complex conditions from the start of the health insurance contract. Exceptions are usually made for accidental emergencies. The duration, however, will depend on the type of health insurance you contract, as well as the services you need.

What Exclusions Does Adeslas Medical Insurance Spain Have?

Exclusions in health insurance are a series of events that the contracted policies do not cover, and these can vary. Therefore, given the many possible exclusions, it is important to know: what exclusions does Adeslas Medical Insurance Spain have? Let’s look at the most important ones:

• Cosmetic surgery, meaning that specialties such as reconstructive plastic surgery and refractive surgery (for myopia, hyperopia, and astigmatism) are excluded.
• Healthcare for pre-existing illnesses and injuries, or even for consequences resulting from an accident before the insurance was contracted.
• Transplants, except for bone marrow and cornea transplants.
• The cost and price of pharmaceutical products, except 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.
• Voluntary termination of pregnancy. This includes assistance for home births or other alternative methods.
• Healthcare related to conditions, accidents, malformations, injuries, or defects caused by: terrorist acts, armed conflicts, nuclear radiation, sports practice, work-related or professional accidents, traffic accidents, among others.
• Healthcare due to negligence resulting from drug addiction, self-harm, alcoholism, narcotic use, suicide attempts, and similar situations.

Can I Get Adeslas Medical Insurance with a Serious Illness?

One of the most frequently asked questions by applicants for Adeslas health insurance is: Can I get Adeslas Medical Insurance Spain with a serious illness? Among the factors that influence whether the insurance and its medical network will accept you are serious illnesses.

Insurance companies generally do not underwrite policies if the applicant has any pre-existing condition or any illness prior to contracting the insurance. To verify this, the applicant must complete a health questionnaire indicating any illnesses they have. They must also report any injuries or surgical procedures they have undergone that left aftereffects. With this information, the insurer evaluates the risk of the applicant and decides whether the policy can be issued. Some people, knowing that having a serious or pre-existing illness may prevent them from getting insurance, may attempt to provide false information.

In such cases, due to the high risk for insurers when applicants provide false information, Spanish law (Article 10, Law 50/1980, of October 8, on insurance contracts) states that the insurance company is exempt from paying any compensation if false data is provided on the medical questionnaire, particularly regarding serious pre-existing illnesses that are omitted.

However, a person who has had a serious illness in the past may still be able to contract Adeslas Medical Insurance Spain only if they have fully recovered from the illness and it does not result in serious aftereffects. Their current health condition must be verified beforehand.

ADESLAS Medical Insurance

Main Coverages of ADESLAS Medical Insurance