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Jose Muñoz Blanco

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Alba Navarro Pérez

Plus Ultra Health Insurance Spain

Plus Ultra Insurance Spain is an insurance company that is part of the Catalana Occidente Group, one of the leaders in the insurance sector across the country, as well as a global leader in credit insurance. This well-known insurer has experienced steady growth and has a strong commitment to training. Currently, it holds the fourth position in the Spanish insurance market and is the second worldwide in terms of credit insurance.

Plus Ultra Insurance offers a wide range of products to all its customers, covering everything from health insurance to life insurance. This has earned the company great prestige both nationally and internationally. Plus Ultra Insurance is a company with a commercial presence wherever you need it, and each office provides excellent customer service. Its Plus Ultra Spain health insurance policy is undoubtedly one of its best offers. Thanks to this, its clients enjoy great advantages. This has allowed Plus Ultra Health Insurance Spain to become one of the best insurance companies in the entire country. Because of this, it ranks among those with the highest number of satisfied customers in Spain.

Furthermore, with the Plus Ultra Insurance Spain medical network, you will have everything necessary for effective, timely, and excellent care. Their medical services and highly trained health centers stand out. Therefore, clients receive the best healthcare assistance through Plus Ultra Insurance Spain.

Plus Ultra Insurance Spain offers Plus Ultra Health Insurance, Plus Ultra Pension Insurance, Plus Ultra Life Insurance, Plus Ultra Home Insurance, Plus Ultra Commerce Insurance, Plus Ultra Accident Insurance, among others.

What Does Plus Ultra Medical Insurance Spain Cover?

Hiring Plus Ultra Medical Insurance Spain means having a very good quality health service, which is something you need to protect the well-being of your family. That is why with Plus Ultra you have everything you need regarding both your health and that of your family group.

As is well known, public healthcare in Spain is a very overloaded system that leads its users to need long waiting times, sometimes even many months. This ends up harming the health of those patients who urgently need care. Therefore, having Plus Ultra as your insurer means having the required protection. This is how Plus Ultra offers you excellent services both in its health policy and the Plus Ultra Seguros España medical network.

Therefore, with so many benefits offered, many seek to get a Plus Ultra policy as their quality insurance company, but it is possible to ask: What Does Plus Ultra Medical Insurance Spain Cover?

In short, there are many advantages offered by Plus Ultra Health Insurance Spain, where you and your family can have timely protection for your health. Plus Ultra offers 6 modalities: Plus Ultra Seguros Asistencia Sanitaria, Plus Ultra Seguros Cosalud Mixed Reimbursement, Plus Ultra Seguros Salud Reimbursement Prime, Plus Ultra Seguros Hospitalization Subsidy, Plus Ultra Seguros Salud Bienestar Senior, Plus Ultra Seguros Salud Bienestar. Each of them adapts to any requirement, so you feel protected.

With Plus Ultra Seguros Asistencia Sanitaria, it is the comprehensive solution for all your and your family’s medical needs. It has a complete medical network as well as the best healthcare, surgical, and hospital assistance. It covers primary medical consultations, access to medical and surgical specialties, reimbursement of expenses for urgent assistance, work and traffic accidents, access to therapeutic means, preventive medicine, clinical psychology, dental health, and much more.

Plus Ultra Seguros Cosalud Mixed Reimbursement offers very complete healthcare where you choose whether you want to be attended within the medical network or if you want to choose another medical professional outside the network and have your expenses reimbursed, according to established limits. It covers primary medicine, emergency healthcare, medical specialties, diagnostic means, hospitalization, special treatments, preventive medicine, obstetric and neonatal assistance, reimbursement of expenses, and more.

With Plus Ultra Seguros Salud Reimbursement Prime, you can choose the doctor or hospital of your preference anywhere in the world. With expense reimbursement coverage, guaranteeing 100% reimbursement of hospital expenses and 85% of outpatient medical care expenses. Also 50% on pharmaceutical expenses. In summary, it covers: 100% reimbursement of hospitalization expenses, 85% reimbursement of outpatient medical assistance expenses, and dental health.

Plus Ultra Seguros Hospitalization Subsidy insurance covers expenses arising from a possible hospital admission. It covers Hospitalization subsidy plus, Hospitalization subsidy superplus, indemnity for surgical intervention, and other services.

With Plus Ultra Seguros Salud Bienestar Senior, you have quick and easy access to thousands of private medical treatments at affordable prices. It also covers medical network, dental network, home care services, psychology, elderly care, and much more.

Plus Ultra Seguros Salud Bienestar opens the door to a wide range of treatments and medical acts in medicine, at very competitive prices. It covers a complete medical network, dental coverage, wellness and health, and much more.

Conditions to Hire Plus Ultra Medical Insurance Spain

If you get Plus Ultra Spain health insurance, you obtain everything essential regarding health. Health care is undoubtedly necessary, especially if you are the foundation of your family group. Now, to hire it, there are some conditions that must be followed, but what conditions are established when hiring Plus Ultra Medical Insurance Spain? Let’s see:

• To get Plus Ultra Spain health insurance, you just need to fill out our form at the beginning of the article. Afterwards, any of our agents will take note of your information and will call you to verify the information you requested. Then, you will be called again to answer a questionnaire by phone. It is important to highlight that our agents can advise you throughout the entire hiring process.
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  If your age is between 18 and 64 years, you can hire the medical insurance Plus Ultra.
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  You will be asked for information about your health status.
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  You must indicate what occupation you perform.
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  You must inform where your residence is fixed. If you are a Spanish resident, you can acquire Plus Ultra health insurance.

What documentation do I need to hire Plus Ultra Medical Insurance Spain?

To hire Plus Ultra Health Insurance Spain, you must submit some documents to prove your health condition. All these documents and requirements are essential for Plus Ultra, and therefore must be submitted before signing the health insurance policy. But: What documentation do I need to hire Plus Ultra Medical Insurance Spain? Let’s see:

1. Complete the health questionnaire. By filling out the health questionnaire, Plus Ultra Insurance can determine if the person contracting the health insurance has any chronic or pre-existing illness. Also, if they have any habits such as smoking or alcohol consumption.
2. Full name. It is necessary to provide both the first name and last name of the person who wants to get Plus Ultra Medical Insurance Spain.
3. Photocopy of DNI, NIE, or passport of the policyholder. Any of these documents can be submitted for the process of Plus Ultra Spain health insurance, but they must be valid. Therefore, if these are expired, they will not be accepted.
4. Have a bank account in Spain.
5. Provide the residential address. In this case, Plus Ultra Insurance requires this information to calculate the premium of the medical insurance. Therefore, it is important to provide this information when requesting to hire Plus Ultra Medical Insurance Spain.

What factors influence the price of Plus Ultra Medical Insurance Spain?

If you have Plus Ultra Health Insurance Spain and healthcare assistance, you get a service that adequately meets each need. This applies both to you and to the beneficiaries included in the policy. But not all policies have the same cost. Given the doubt about why there are many prices, it is worth asking: What factors influence the price of Plus Ultra Health Insurance Spain so that one can contract one of them? Let’s see:

Is it important to be in good health to contract Plus Ultra Medical Insurance Spain? It is really indispensable for contracting Plus Ultra health insurance to be in good health and to answer a medical questionnaire. This verifies the health condition of the person contracting, regardless of their age. In this way, a medical history is obtained specifying whether there are previous illnesses, some surgical interventions, treatments, among others.

Do the coverages or guarantees affect contracting Plus Ultra health insurance Spain? Yes, they do. Generally, there are basic health products or insurances where you can have medical assistance, but hospitalization and interventions are not covered. In this case, those products have more affordable prices. On the other hand, the more expensive insurances are those that are more complete in terms of assistance, as they cover medical visits, tests and treatments, surgical interventions, and all types of hospitalization.

Does age affect contracting Plus Ultra Medical Insurance Spain? It really does. As is known, the factor that most influences risk assessment is age. That is why the older you are, the more likely you are to have illnesses. Similarly, the premium may be higher in a health insurance if the beneficiaries are very young, such as babies. This is because the younger they are, the more emergencies they may need and the more periodic check-ups they must undergo.

Does having a medical network or reimbursement in Plus Ultra Medical Insurance Spain affect its price? Yes, it influences because in a health insurance with a medical network, the insurer offers its insured the medical network of professionals and medical centers without having to pay an additional fee. On the other hand, in the case of a reimbursement policy, the insured can choose any center or doctor outside the medical network contracted by the company. In this case, they would only pay the bill and then request reimbursement from the insurer.

Does the place of residence affect the price of Plus Ultra Spain health policy? Yes, it does because this is a factor usually taken into account by insurers when setting the premium amount. This is because healthcare costs are in most cases different between provinces.

Can the number of insured persons affect the cost of Plus Ultra Medical Insurance Spain? Yes, it can affect, although usually, some insurance companies offer discounts for adding insured persons. This is done in most health policies that have coverages and services designed for all family members. In other cases, the policies are simply of higher cost. Therefore, it does affect.

If Plus Ultra Medical Insurance Spain has copayments, can it affect the price? In the copayment modality, for a certain amount of money, users of some policies can use a specific medical service. In those cases, insurers offer health products with copayments to reduce the cost of insurance. Therefore, the higher the copayment, the lower the cost will be. In short, it influences the price.

How can I cancel Plus Ultra Medical Insurance Spain?

Many people, for various reasons, sometimes find themselves in the difficult need to cancel the medical insurance they have contracted. But, how can I cancel Plus Ultra Medical Insurance Spain? We can tell you that canceling the medical insurance is a very simple procedure. Let’s see:

The Plus Ultra Medical Insurance Spain contract is for 12 months, but this does not only apply to Plus Ultra Spain, since all health insurance companies follow the same parameters. Because of this, the health insurance law in Spain indicates that to cancel Plus Ultra Spain health insurance, you must notify Plus Ultra at least one month before the contract year ends. For example: if your Plus Ultra Spain health policy or any other health insurance policy 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 Plus Ultra Medical Insurance Spain?

Getting Plus Ultra health insurance means obtaining many advantages with its Plus Ultra Spain healthcare assistance. This is undoubtedly a guarantee for its clients, which is why many people choose it as their best option. Now, when you contract this health policy, you should know that it has some waiting periods that must be respected and are important to understand.

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

A waiting period is the initial time span during which any illnesses diagnosed in the insured will not be covered and generally lasts 30 days for simple illnesses and up to 90 days for more complex conditions starting from the date the health insurance is contracted. An exception is usually made for accidental emergencies. The exact time depends on the type of health insurance you contract, as well as the care you need.

Likewise, you should know that waiting periods in health insurance also serve as a guarantee for insurers. These periods 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 exclusions does Plus Ultra Medical Insurance Spain have?

A limitation or exclusion in health insurance is an event that the contracted policies do not cover for many reasons. These reasons can generally vary. Therefore, given the many possible exclusions, it is important to know: What exclusions does Plus Ultra Health Insurance Spain have? Let’s see the most important ones:

• Healthcare due to negligence as a consequence of drug addiction, self-harm, alcoholism, taking narcotics, suicide attempts, among others…
• Healthcare in cases of pre-existing illnesses and injuries, or even after-effects caused by an accident before contracting the insurance.
• Cosmetic surgery, meaning excluded are specialties in reconstructive plastic surgery and refractive surgery such as myopia, hypermetropia, and astigmatism.
• The value 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.
• Transplants, except for bone marrow and cornea transplants.
• Voluntary termination of pregnancy. This also includes assistance with home births or by some alternative means.
• Healthcare 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.
• Hospitalization for social causes. This applies to patients with functional deterioration suffering from chronic illness or pathologies associated with aging.

Can I contract Plus Ultra Medical Insurance Spain with a serious illness?

Often, people wonder if you need to be in good health to get life insurance. That is why among the most frequently asked questions from applicants for Plus Ultra health insurance is a special one: Can I contract Plus Ultra Medical Insurance Spain with a serious illness? Among the factors that influence whether you can contract the health insurance and its Plus Ultra Spain medical network are serious illnesses.

Insurance companies generally do not underwrite policies if the applicant has any type of pre-existing condition or illness prior to contracting the insurance. To verify this, you need to fill out a health questionnaire indicating what illnesses the applicant has. You also must state any injuries and surgical operations that have left after-effects. With this data, the insurer assesses the risk involved with a particular client and determines whether or not the policy can be contracted.

Since many people know that if they have a serious or pre-existing illness they won’t be able to get life insurance, some try to lie to obtain it.

In these cases, due to the high risk for insurers when applicants lie to get coverage, Spanish law—Article 10 of Law 50/1980, of October 8, on insurance contracts—states: The insurance company will be exempt from paying any compensation if false information is provided in the medical questionnaire related to the applicant’s health condition, including omitting any serious pre-existing illness.

However, if someone who wants to contract medical insurance has had a serious illness in the past, they may be able to contract Plus Ultra Spain health insurance only if they have overcome the illness without severe after-effects. Their current condition must be verified beforehand.

PLUS ULTRA Medical Insurance

Main Coverages PLUS ULTRA Medical Insurance