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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

RACC Health Insurance Spain

RACC Insurance Spain (Real Automóvil Club de Cataluña) is a highly prestigious insurer in the country that initially focused on insuring cars throughout Spain. It has over one million members, remaining a leader in car insurance. Its main mission is to improve the quality of life of its clients by offering services related to mobility, leisure, and assistance. Over the years, RACC has expanded by offering excellent options for all its clients, also standing out in health insurance. Currently, RACC Insurance is one of the best insurers in all of Spain, where through its health insurance RACC Spain, it offers one of its best products for all its clients.

The RACC Spain health insurance policy is a product highly valued by its clients because it offers excellent benefits. This has allowed RACC Spain Health Insurance, or RACC medical expense insurance, to be positioned as one of the best in the sector. Furthermore, by having the RACC Spain medical network, clients receive excellent care, featuring top-tier health centers and professionals. This gives it outstanding prestige, as having access to specialized doctors and great health centers means the best care for its clientele. There is no doubt that with this, clients have the best RACC Spain health care, which is essential for the health of all its clients.

The Real Automóvil Club de Cataluña offers RACC Health Insurance, RACC Car Insurance, RACC Motorcycle Insurance, RACC Life Insurance, RACC Home Insurance, RACC Accident Insurance, RACC Travel Insurance, and much more.

What Does RACC Spain Medical Insurance Cover?

When we get RACC Spain medical insurance, we obtain excellent benefits. This is ideal for protecting our health and that of our family members. With this product, you have quality medical consultations, diagnostic tests, emergency services, among many other benefits. However, as is known by all, these services are very difficult to receive quickly within the public healthcare system. This is mostly due to long waiting periods. Fortunately, this is avoided by having the RACC Spain health policy and medical network.

You probably want to contract this medical insurance but, before getting one, you may have some doubts about What Does RACC Spain Medical Insurance Cover? Let’s see what it covers and its benefits.

When you get RACC Spain Health Insurance, both you and your family gain the peace of mind you need for your health care. For this, RACC Insurance offers you 6 options: RACC Acces Medic Health Insurance, RACC Clini Medic Health Insurance, RACC Clini Medic Plus Health Insurance, RACC Complet Medic Health Insurance, RACC Complet Medic Plus Health Insurance, and RACC Universal Medic Health Insurance. Each one adapts to different demands, so you and your family can be protected.

RACC Acces Medic Health Insurance is a tailor-made insurance at an affordable price. It offers private medical service and quality outpatient medical care, a very broad medical network with all medical services, specialists, and diagnostic means, access to hospital medicine at special prices, with copayment.

With RACC Clini Medic Health Insurance, you cover all important health matters with access to private hospitalization and operating rooms. It covers high-quality medical assistance with a wide medical and service network, guaranteeing immediate surgical intervention. It also has medical coverage in contracted centers in case of surgery or hospitalization, as well as diagnostic means.

RACC Clini Medic Plus Health Insurance covers hospitalization and operating room, in addition to diagnostic means and access to outpatient medicine at special prices, with copayment.

With RACC Complet Medic Health Insurance, you have everything covered; you also choose any specialty within an excellent medical network at an affordable price. It covers comprehensive medical assistance of the highest quality, medical network, agreements with the best hospitals, no copayment or various copayment options.

RACC Complet Medic Plus Health Insurance has the same coverages as RACC Complet Medic but with the free choice of pediatrician and gynecologist.

With RACC Universal Medic Health Insurance, you have health insurance with free choice of doctors and hospitals with reimbursement of 90% in Spain and 80% abroad. It also covers high-quality medical assistance, a broad medical network, medical coverage in contracted centers in case of surgery or hospitalization, as well as diagnostic means. A broad medical, hospital, and service network including all medical services, specialists, diagnostic means, and the best hospital centers.

Conditions to Contract RACC Spain Medical Insurance

By contracting RACC Spain health insurance, you get the best for your health. This is undoubtedly something very important, especially if you are the support of your family group. Now, you should know that there are certain conditions to meet in order to get RACC insurance. But, what conditions are established when contracting RACC Spain medical insurance? Let’s see some of them:

• To obtain RACC Spain health insurance, 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 will call you to verify the information you requested. Subsequently, 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 contracting process.
• If your age is between 18 and 65 years, you can contract RACC medical insurance.
• You will be asked for information about your health status.
• You must indicate your occupation.
• You must provide information about your place of residence. If you are a Spanish resident, you can acquire RACC health insurance.

What documentation do I need to contract RACC Spain Medical Insurance?

If you wish to contract RACC Spain health insurance, you must provide some documents that justify your current health condition. These documents and other requirements must be available at the time of contracting a health policy, as they are very important for insurance companies. Now then, what documentation do I need to contract RACC Spain Medical Insurance? Let’s see them below:

1. Fill out the health questionnaire. By filling out the health questionnaire, RACC 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. Provide full name. It is essential to supply the first and last name of the person who wishes to get RACC Spain medical insurance.
3. Photocopy of DNI, NIE, or passport of the insurance holder. Any of these documents can be submitted for the processing of RACC Spain health insurance, but they must be valid. Therefore, expired documents will not be accepted.
4. Have a bank account in Spain.
5. Provide the address of residence. In this case, RACC Insurance requires this information to calculate the premium of the medical insurance. Therefore, it is important to provide this information when requesting to contract RACC Spain medical insurance.

What factors influence the price of RACC Spain Medical Insurance?

When contracting RACC Spain medical insurance and healthcare assistance, the policyholder and the family members included in the policy can receive quick and timely care. However, you should know that there are some elements that influence the calculation of the premium. But, what factors influence the price of RACC Spain medical insurance when contracting one? Let’s see the most relevant:

Is it important to be in good health to contract RACC Spain medical insurance? Yes, it is essential for contracting RACC health insurance to be in good health and to answer a medical questionnaire. This verifies the health status of the person contracting, regardless of their age. This way, a medical history is obtained specifying if there are previous illnesses, some surgical interventions, treatments, among others.

How much does age influence the contracting of RACC Spain medical insurance? Perhaps the most influential factor when calculating risks in health insurance is age. The older the policyholder, the more likely diseases may appear. However, it is not only adult age that is a factor; if you have babies, it also influences. The younger they are, the more medical services they may need.

Does having copayments in RACC Spain medical insurance affect its price? Copayment is a type of modality where users of some policies must pay a certain amount when using a specific medical service. Generally, insurers offer health products with copayments to reduce the cost of insurance. Therefore, the higher the copayment, the lower the overall cost. In short, yes, it influences the price.

Does the place of residence influence the price of RACC Spain health insurance? Definitely, it is a factor that insurance companies usually take into account when establishing the insurance premium. This is because healthcare costs can vary from one province to another.

Does the number of insured people included affect the cost of RACC Spain medical insurance? Yes, it can affect it, as some insurance companies tend to offer discounts for adding several insured individuals. This happens with health policies that have coverage and services designed for all family members. In other situations, policies may be more expensive.

How much do coverages affect the price when contracting RACC Spain health insurance? Obviously, it does affect it, because generally, there are basic health products or insurance where you can have medical assistance but no coverage for hospitalization or surgeries. These products have more affordable prices. In contrast, more comprehensive insurance includes doctor visits, tests, treatments, surgeries, and all kinds of hospitalizations, and are more expensive.

Does having a medical network or reimbursement option in RACC Spain medical insurance influence the price? Yes, it does, because with a health insurance plan with a medical network, the insurer offers its insured access to professionals and medical centers without having to pay any bills (according to contract terms and without opting for a product with copayments). However, with a reimbursement policy, the insured can choose any center or doctor outside the insurer’s network. In that case, they would pay the bill upfront and later claim reimbursement from the insurer. This undoubtedly influences the price of the insurance to be contracted.

How can I cancel RACC Spain Medical Insurance?

There are many reasons in Spain why people unfortunately need to cancel the medical insurance they have contracted. However, many of them do not know how to do it. Because of this uncertainty, many ask themselves: How can I cancel RACC Spain Medical Insurance? Let’s see what to do to cancel the medical insurance:

The RACC Spain medical insurance contract is for 12 months, but this not only applies to RACC Insurance, since all health insurance companies have the same parameters. Because of this, the health insurance law in Spain states that to cancel RACC Spain health insurance, you must notify RACC at least one month before the contract’s annual term expires. For example: if your RACC Spain health policy or that of any other health insurance company 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 RACC Spain Medical Insurance?

When contracting health insurance with RACC Spain healthcare assistance, you receive several benefits. There is no doubt that this is very useful, which is why many people choose it as the best option for protecting and safeguarding their health. However, it is important to know that both this and most insurance policies have waiting periods that must be respected and fulfilled. A waiting period in medical insurance is the time you must wait before using certain services or coverage. But: what is the waiting period for RACC Spain medical insurance? Here is the explanation:

The Waiting Period is the initial time frame during which any conditions diagnosed in the insured will not be covered. Generally, it lasts 30 days for simple illnesses and up to 90 days for more complex conditions, starting from the moment the health insurance contract begins. The exception is usually accidental emergencies, which are not subject to these waiting periods. The exact duration depends on the type of health insurance you contract, as well as the care you need.

Additionally, you should know that waiting periods also serve as a guarantee for insurers. They ensure that the client does not take out health insurance only to cover a specific need and then cancel the contract once that need is met.

What exclusions does RACC Spain Medical Insurance have?

The limitations or exclusions in a medical insurance policy are those coverages that are not included in the policies contracted. But, what exclusions does RACC Spain health insurance have? Let’s look at the most important ones:

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

Can I contract RACC Medical Insurance with a serious illness?

Many people in Spain, when they want to contract RACC health insurance, ask: Can I contract RACC Medical Insurance Spain with a serious illness? You should know that one of the main factors that influence whether you can contract RACC health insurance and its medical network are serious illnesses.

Generally, insurers do not approve policies if the applicant has any preexisting or serious illness. In such cases, to certify their condition, they must fill out the health questionnaire indicating any illnesses they have. They must also specify any injuries or surgeries they have had in the past that have left sequelae. The insurer then evaluates the application and the risk that person represents.

Now, because it is possible that a future insured person might lie on the health questionnaire to get the policy, the law — Article 10, Law 50/1980, of October 8, on insurance contracts in Spain — states the following: The insurer will be exempt from paying any compensation if false information is provided on the medical questionnaire regarding the insured’s health status, omitting any serious preexisting illness.

However, if someone wants to contract medical insurance and has had a serious pathology at some point, it may be possible to contract RACC health insurance only if they have overcome that illness without serious sequelae. Their current health condition must be verified prior to contracting the policy.

RACC Medical Insurance

Main coverages of RACC Medical Insurance