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Reale Health Insurance Spain

Reale Mutua Assicurazioni was founded in the city of Turin, Italy, in 1828 and is currently one of the leading insurance companies in the European insurance sector and the largest mutual insurance company in Italy. Today, Reale is a leader in health insurance, offering its best product: Reale Spain Health Insurance.

Reale Seguros Salud, its Spanish subsidiary, is one of the insurance companies with the most experience in the national territory. Since its inception, it has maintained a steady growth rate, which has allowed it to consolidate its presence in the Spanish market. This broad coverage has expanded to more than 50 provincial capitals across Spain. It has over 300 agencies and works with more than 3,500 intermediaries.

Reale Seguros is an insurance company with a nationwide commercial presence, where each location provides excellent service. Its health insurance policy, Reale Spain, is undoubtedly one of its best offerings, giving clients great advantages. This has made Reale Spain Health Insurance one of the best insurers throughout Spain, ranking among those with the highest number of satisfied customers.

Likewise, by having access to the Reale Spain medical network, you can have everything needed for timely and excellent care. The medical services and highly specialized health centers stand out. Therefore, Reale clients enjoy the best healthcare assistance with Reale Spain.

Reale Spain also offers Reale Funeral Insurance, Reale Health, Reale Home, Reale Life, Reale Third-Party Motorcycle Insurance, Reale Third-Party Motorcycle Insurance with Theft Coverage, Reale Comprehensive Motorcycle Insurance, Reale Moped Insurance, and much more.

What Does Reale Health Insurance Spain Cover?

If you purchase Reale Spain health insurance, you will have a very good quality healthcare service, which is something you need to protect the well-being of your family. That is why with Reale you have everything you need regarding your health as well as that of your family group.

It is known that public healthcare in Spain is a very overwhelmed system that leads its users to endure long waiting times, sometimes even many months. This harms the health of patients who need urgent care. Therefore, having Reale as your insurer means you have the required protection. This is how Reale offers excellent services both in its health policy and the Reale Spain medical network.

Thus, given so many benefits offered, many seek to get a Reale policy as their quality insurance company, but it is possible to ask: What Does Reale Spain Health Insurance Cover?

There are many advantages offered by Reale Spain health insurance, where you and your family can have timely protection for your health. Reale offers 3 plans: Salud DKV Dentisalud, Salud DKV Modular, and Salud DKV Integral, which adapt to any requirement, with the purpose of making you feel protected.

With Salud DKV Dentisalud, you are guaranteed quality benefits, along with a contracted network of more than 1,500 dentists and selected care centers. In addition, it offers several free oral care treatments and others at attractive prices: Orthodontics, Dental Aesthetics, and Implants. It can cover video consultations, medical consultations with telephone advice, second medical opinions, care services, and much more.

Salud DKV Modular is an insurance plan where you can choose the health module that fits your needs or even combine them as you wish. This way, you can access the best private medicine while paying only for what interests you. Module A covers primary care, Module B covers specialists, both medical and surgical, diagnostic means, treatments performed during consultations, and complementary diagnostic methods. Module C covers everything else plus hospitalization services.

Salud DKV Integral is a very versatile insurance plan covering primary care, specialists, diagnostic means, emergencies, hospitalization, and even surgery. It also offers, as an additional benefit, travel assistance insurance in emergency cases.

Conditions for Contracting Reale Health Insurance Spain

By obtaining Reale Health Insurance Spain, you will get everything essential in terms of health. Health care is undoubtedly necessary, especially if you are the head of your family group. Now, to contract it, there are some conditions that must be followed, but what conditions are established when contracting Reale Health Insurance Spain? Let’s see:

To get Reale Spain health insurance, you only need to fill out our form at the beginning of the article. Afterwards, any of our agents will take note of your information and call you to verify the details you requested. Then, you will be called again to complete a questionnaire over the phone. It is important to highlight that our agents can advise you throughout the entire contracting process.
If your age is between 18 and 64 years, you can contract Reale health insurance.
You will be asked for information about your health status.
You must indicate your occupation.
You must inform where your residence is fixed. If you are a Spanish resident, you can acquire Reale health insurance.

What documentation do I need to contract Reale Health Insurance Spain?

You should know that to contract Reale Health Insurance Spain, you must provide some documents that justify your health condition. All these documents and requirements are essential for Reale and must be submitted before contracting the health insurance policy. But: What documentation do I need to contract Reale Health Insurance Spain? Let’s see:

Complete the health questionnaire. By filling out the health questionnaire, Reale can determine if the person contracting the health insurance suffers from any chronic or pre-existing illness, as well as habits such as smoking or alcohol consumption.
Full name. It is necessary to provide both the first name and last name of the person who wants to obtain Reale Spain health insurance.
Photocopy of DNI, NIE, or passport of the policyholder. Any of these documents can be submitted for the process of Reale Spain health insurance, but they must be fully valid. Therefore, if they are expired, they will not be accepted.
Have a bank account in Spain.
Provide the residential address. In this case, Reale requires this information to calculate the health insurance premium. Therefore, it is important to provide this information at the time of requesting to contract Reale Health Insurance Spain

What factors influence the price of Reale Health Insurance Spain?

By having Reale Health Insurance Spain and healthcare assistance, you get an adequate care service tailored to each need. This applies both to you and to the beneficiaries you have included in the policy. But not all policies have the same cost. Given the many different prices, it is worth asking: What factors influence the price of Reale Spain health insurance when contracting one? Let’s see:

Does coverage or guarantees affect the price when contracting Reale Health Insurance Spain? Yes, it does. Generally, there are basic health insurance products where you may have medical assistance but hospitalization and surgeries are not covered. These products usually have more affordable prices. On the other hand, more expensive policies are those that are more comprehensive in terms of care, covering medical visits, tests and treatments, surgical interventions, and all types of hospitalization.

Is it important to have good health to contract Reale Health Insurance Spain? It is indeed essential to have good health and respond to a medical questionnaire to contract Reale health insurance. This verifies the health condition of the person contracting the insurance, regardless of age. In this way, a medical history is obtained that specifies whether there are pre-existing illnesses, past surgeries, treatments, among others.

Does age affect contracting Reale Health Insurance Spain? Yes, it does. As is well known, the factor that most influences risk assessment is age. Therefore, the older you are, the higher the chances of having illnesses. Similarly, the premium may be higher in a health insurance policy if the beneficiaries are young children. This is because the younger they are, the more emergencies they might need and the more frequent check-ups they must undergo.

Can the number of insured people affect the cost of Reale Health Insurance Spain? Yes, it can affect, although generally some insurance companies offer discounts for adding insured persons. This is common in most health policies that have coverage and services designed for all family members. In other cases, policies simply cost more. So, yes, it affects.

Does the place of residence influence the price of the Reale Health Insurance Spain policy? Yes, it does, because this is a factor insurance companies usually consider when setting the insurance premium amount. This is due to healthcare costs often varying between provinces.

If Reale Health Insurance Spain includes co-payments, can it affect the price? In co-payment plans, users of some policies pay a certain amount to use specific medical services. In these cases, insurers offer health products with co-payments to reduce the insurance cost. Therefore, the higher the co-payment, the lower the overall cost. In short, yes, it influences the price.

Does having a medical network or reimbursement option in Reale Health Insurance Spain affect its price? Yes, it does. With health insurance that has a medical network, the insurer offers its insured access to a network of professionals and medical centers without additional payment. On the other hand, in a reimbursement policy, the insured can choose any center or doctor outside the contracted medical network. In this case, the insured pays the bill and later manages reimbursement with the insurer.

How can I cancel Reale Health Insurance Spain?

People, for many reasons, sometimes find themselves in the difficult situation of needing to cancel the health insurance they contracted. But, how can I cancel Reale Spain Health Insurance? We can tell you that canceling the health insurance is a very simple procedure. Let’s see:

The Reale Health Insurance Spain contract is for 12 months, but this does not apply only to Reale, as all health insurance companies follow the same parameters. Because of this, Spanish health insurance law states that to cancel Reale Spain health insurance, you must notify Reale at least one month before the contract anniversary. For example, if your Reale Health Insurance Spain 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 Reale Health Insurance Spain?

When you get health insurance, you gain many advantages with Reale Spain healthcare assistance. This is undoubtedly a guarantee for its clients, which is why many people choose it as their best option. However, when contracting this health policy, you should know that it has some waiting periods that must be respected and that are important to understand.

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

A waiting period is the initial length of time during which any illnesses diagnosed in the insured will not be covered. Usually, it lasts 30 days for simple illnesses and up to 90 days for more complex conditions from the date the health insurance is contracted. The main exception is 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 take out health insurance solely to cover a specific need and then cancel the contract once that need is covered.

What exclusions does Reale Health Insurance Spain have?

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

Hospitalization for social reasons, such as patients with functional deterioration suffering from chronic illnesses or pathologies associated with aging.
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.
Transplants, except for bone marrow and cornea transplants.
Healthcare for pre-existing diseases and injuries, or even sequelae resulting from an accident before contracting the insurance.
Cosmetic surgery, meaning plastic surgery specialties of the reparative type and refractive surgery, such as for myopia, hypermetropia, and astigmatism, are excluded.
Voluntary termination of pregnancy. This includes assistance during childbirth at private homes or through some alternative means.
Healthcare due to negligence as a result of drug addiction, self-harm, alcoholism, drug use, suicide attempts, among others.
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 Reale Health Insurance with a serious illness?

Many times, people wonder if they need to be in good health to contract life insurance. That’s why one of the most frequently asked questions by applicants for Reale health insurance is: Can I contract Reale Health Insurance Spain with a serious illness? Among the factors that influence whether or not you can contract Reale health insurance and its 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 must fill out a health questionnaire indicating what illnesses the applicant has. You must also indicate any injuries and surgeries you have had that left lasting effects. With this information, the insurer assesses the risk of the client and decides whether or not the policy can be contracted.

Since many people know that if they have a serious or pre-existing illness they will not be able to contract life insurance, some try to lie in order to get it.

In such cases, and due to the high risk insurers face when a candidate lies to obtain insurance, Spanish law (Article 10, Law 50/1980, October 8, Insurance Contract Law) states: The insurance company will be exempt from paying any compensation if false information is provided in the medical questionnaire related to the insured’s health status, including omission of any serious pre-existing illness.

However, if a person who wants to contract health insurance has had a serious illness at any time, it will be possible to contract Reale Spain health insurance only if they have recovered from that illness, without it causing serious lasting effects. Their current condition must be verified beforehand.