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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

Nara Health Insurance Spain

Nara Seguros Spain was founded in 2019 and is currently an expert in digital insurance. It offers its policyholders fantastic tools that streamline procedures and simplify any type of management. Nara is an initiative of the renowned HNA Group. When it was founded, its goal was to offer a new concept in insurance and wellness. As part of the HNA Group, its clients have complete trust in its offerings. HNA provides strong support, with 75 years of outstanding experience in the health insurance sector. This allows clients to have everything necessary to protect their health, with its best product being the Nara Health Insurance Spain.

Nara Seguros has several commercial offices throughout the country. Today, the Nara Spain health insurance policy is one of its best offerings, providing countless benefits to its clients. This positions Nara Health Insurance Spain as one of the top health insurers. Moreover, with the Nara Spain medical network, clients receive excellent care, with access to qualified doctors and specialized health centers. There is no doubt that clients have the best healthcare assistance from Nara Spain to take care of their health.

Nara Spain offers Nara Health, Nara Life, Nara Accident, among others.

What Does Nara Health Insurance Spain Cover?

If you get Nara Health Insurance Spain, you will have access to the best basic services such as consultations, medical test results in a short time, emergency services, diagnostic tests, and many more. That is why it is extremely important to have the protection and guarantees offered by both the health policy and the Nara Spain medical network.

But really, what does Nara Health Insurance Spain cover? Nara Health Insurance Spain offers four plans: Nara Smart, Nara Flex, Nara Mini-Flex, and Nara Senior. Each one adapts to different needs, so you can feel protected regarding your health.

Nara Smart is a comprehensive product with outpatient coverage, making it the perfect policy. It includes a copayment system where you pay a lower premium than in other plans but must pay a small fee for using its services. It covers primary care and specialists, access to the most advanced diagnostic tools, special treatments, family planning and gynecology, dental care, and much more.

Nara Flex is a health insurance plan with hospital coverage and copayment. This is a linear copayment with an annual limit that starts from the eighth medical procedure, paying a linear copayment of only eight euros. It also covers hospitalization, psychology, the Healthy Life Plan, and reimburses gynecology expenses. It includes all types of hospitalization: medical, psychiatric, surgical, and obstetric.

Nara Mini-Flex is more than just health insurance because it covers the youngest members of the family. It offers a different proposal as you can insure your children without having to be listed as the policyholder yourself. The policy covers insured children from 3 to 18 years old alone on the policy, including primary care and specialists. It also covers access to all specialties, prosthetics, hospitalization, and special treatments.

Nara Senior is a health insurance plan specifically for people aged 60 and over. However, there is no age limit for enjoying all its coverages. It can cover healthcare assistance, medical specialties, primary care, hospitalization and surgery, emergencies, and diagnostic tests. Additionally, it has no copayments or limits on consultations, physiotherapy and rehabilitation, second medical opinions, and more.

Conditions for Purchasing Nara Health Insurance Spain

If you get Nara Health Insurance Spain, you will have the best in healthcare. This is essential, especially if you are the pillar of your family. Now, what conditions are established when purchasing Nara Health Insurance Spain? Here’s what you need to know:

• To purchase Nara 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 details and call you to verify the information you provided. Afterward, you will be called again to complete a questionnaire by phone. It is important to highlight that our agents can assist you throughout the entire purchasing process.
• If your age is between 18 and 67 years, you can purchase Nara Health Insurance.
• You will be asked for information about your health status.
• You must indicate your occupation.
• You must inform where your residence is registered. If you are a Spanish resident, you can purchase Nara Health Insurance.

What documentation do I need to purchase Nara Health Insurance Spain?

It is very important to provide certain documentation to justify your health condition in order to acquire Nara Health Insurance Spain. These documents and requirements must be completed and collected before a health insurance policy is issued. But: What documentation do I need to purchase Nara Health Insurance Spain? Let’s see:

1. Fill out the health questionnaire. By filling out the health questionnaire, Nara Insurance can determine if the person applying for the health insurance has any chronic or pre-existing illness. It also identifies any habits such as smoking or alcohol consumption.
2. Provide full name. It is essential to supply the full name of the person who wishes to obtain Nara Health Insurance Spain.
3. Photocopy of DNI, NIE, or passport of the policyholder. Any of these documents can be submitted for the processing of Nara Health Insurance Spain, but they must be fully valid. Therefore, expired documents will not be accepted.
4. Have a bank account in Spain.
5. Provide the residential address. In this case, Nara Insurance requires this information to calculate the insurance premium. Consequently, it is important to supply this information when requesting to purchase Nara Health Insurance Spain.

What factors influence the price of Nara Health Insurance Spain?

With Nara Health Insurance and Health Assistance Spain, timely care is obtained in health matters. This applies both to the policyholder and to the beneficiaries that the insured has established in the policy. Now then: What factors influence the price of Nara Health Insurance Spain so that it can be contracted? Let’s see:

Is it necessary to be in good health to contract Nara Health Insurance Spain? It is essential for contracting Nara Health Insurance to be in good health and to answer a medical questionnaire. This verifies the health status of the person to be insured, regardless of their age. In this way, a medical history is obtained specifying if there are any previous illnesses, some surgical interventions, treatments, among others.

Does age influence the contracting of Nara Health Insurance Spain? Really, yes. Perhaps the factor that most influences when calculating risks is age. Regarding health, the older the age, the more likely diseases may appear. Another age-related element that makes the premium higher in health insurance are babies, since the smaller they are, the more emergency services they may need, as well as regular periodic check-ups.

Does the level of protection or guarantees influence when contracting Nara Health Insurance Spain? Obviously yes, since generally there are basic health products or insurance in which medical assistance can be counted on, but hospitalization and interventions are not covered. In that case, these products have more affordable prices. On the other hand, more comprehensive health insurance in terms of assistance includes medical visits, tests and treatments, surgical interventions, and all kinds of hospitalization, and they are more expensive.

Does the place of residence affect the price of the Nara Health Insurance policy Spain? Well, this is also a factor that insurance companies usually take into account when setting the insurance premium. This is because the costs of care can be different from one province to another.

Does having a medical network or reimbursement with Nara Health Insurance Spain influence its price? In a health insurance with a medical network, the insurance company offers its insured a network of professionals and medical centers without having to pay any bills (according to the terms of the contract and without opting for a product mode with copayments). Now, in the case of a reimbursement policy, the insured can choose any center or doctor outside the contracted medical network by the company. In that case, the insured would pay the bill and then manage the reimbursement with the insurer. This undoubtedly influences the price of the insurance to be contracted.

Does having copayments with Nara Health Insurance Spain influence the price? The copayment is a modality in which for an amount of money users of some policies must pay when they use a certain medical service. Generally, 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 influences the price.

Does the number of insured persons affect the cost of Nara Health Insurance Spain? Generally, some insurers offer discounts for adding several insured persons. Mostly, this is done in health policies that have coverages and services designed for all family members. In other cases, policies may be more expensive. Therefore, yes, it affects.

How can I cancel my Nara Health Insurance Spain?

There are likely many reasons why people find it necessary to cancel their health insurance. Now then, how can I cancel my Nara Health Insurance Spain? Canceling health insurance is a simple procedure. Let’s see:

The contract for Nara Health Insurance Spain lasts 12 months, but this is not unique to Nara Insurance, as all health insurance companies follow the same guidelines. Because of this, Spanish health insurance law states that to cancel Nara Health Insurance Spain, you only need to notify Nara Insurance at least one month before the contract year ends. For example: if your Nara Health Insurance policy or that of any other health insurance company ends on December 31, you must inform the insurer of your decision not to renew it before November 30.

What is the waiting period for Nara Health Insurance Spain?

When you get Nara Health Insurance and its healthcare services in Spain, you gain multiple benefits. It’s no surprise that many people choose to have one. However, almost all policies have waiting periods that must be respected. A waiting period in health insurance means the time you must wait before using certain services or coverage. This is so important that it’s essential to know: what is the waiting period for Nara Health Insurance Spain? Before contracting it.

The waiting period is the initial span of time during which any conditions diagnosed in the insured person will not be covered. Generally, it 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 accidental emergencies, which usually do not have waiting periods. The exact time depends on the type of health insurance you contract, as well as the care you need.

On the other hand, waiting periods also serve as a guarantee for insurance companies. They ensure that the client does not subscribe to health insurance just to cover a specific need and then cancel the contract once that need is met.

What exclusions does Nara Health Insurance Spain have?

When we talk about limitations or exclusions in health insurance, we refer both to general terms and those affecting certain specialties. This is because there are a series of cases that are not covered by the care that the policies offer. Many exclusions may exist. That is why it is important to know: What exclusions does Nara Health Insurance Spain have? Among them are the following:

• The value and price of pharmaceutical products, except those administered during hospitalization, such as chemotherapy drugs. Also excluded are medications not authorized in Spain.
• Hospitalization for social reasons. This applies to patients with functional deterioration, suffering from chronic illnesses, or even pathologies associated with aging.
• Healthcare due to negligence as a consequence of drug addiction, self-harm, alcoholism, drug use, suicide attempts, among others.
• Healthcare for pre-existing diseases and injuries, or even sequelae caused by an accident before the insurance contract.
• Healthcare related to pathologies, accidents, malformations, injuries, or defects caused by: terrorist acts, armed conflicts, nuclear radiation, sports practice, work or professional accidents, traffic accidents, among others.
• Voluntary termination of pregnancy. This includes assistance with childbirth at private homes or through some alternative means.
• Cosmetic surgery; that is, excluded are specialties in plastic surgery of the reparative type and refractive surgery such as for myopia, hyperopia, and astigmatism.
• Transplants, except for bone marrow and cornea transplants.

Can I get Nara Health Insurance with a serious illness?

One of the most common questions potential Nara health insurance clients ask is: Can I get Nara Health Insurance Spain if I have a serious illness? Among the factors that influence whether you can get Nara health insurance and access its medical network are serious illnesses.

Insurance companies do not approve policies if the prospective client has a pre-existing illness or prior pathology. To verify this, applicants must fill out a health questionnaire where they must indicate current illnesses such as diabetes, tuberculosis, leukemia, asthma, cancer, among others. They must also report any injuries and past surgeries that have left lasting effects. Based on this information, the insurance company evaluates the application and the risk posed by the client. Therefore, if you have any of these conditions, it will be difficult to get Nara health insurance in Spain.

In these cases, and due to the high risk for insurers, Article 10 of Law 50/1980, dated October 8, on insurance contracts in Spain states that the insurance company is exempt from paying any compensation if false information is provided on the health questionnaire, omitting any serious pre-existing illness.

However, if someone who wants to get health insurance has had a serious illness in the past, it will be possible to get Nara Health Insurance Spain only if that illness has been overcome and there are no serious aftereffects. This must be verified beforehand based on their current condition.

NARA Health Insurance

Main coverages of NARA Health Insurance