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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

“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

Santa Lucía Health Insurance Spain

Santa Lucía Seguros España is a highly prestigious insurance company in Spain. Its beginnings date back to 1922, when Santa Lucía took its first steps in a building located on Santa Lucía Street in A Coruña. By 1931, it had adopted the form of a public limited company, and in 1943 it changed its name to Santa Lucía S.A. Seguro Popular. Santa Lucía is an insurer with more than 90 years of experience in health and risk coverage, with the aim of helping families. Over the years, and without interruption, it has become one of the best insurance companies in the country. This has allowed it to develop various areas, with Santa Lucía Health Insurance Spain standing out as one of its best offerings.

Today, in addition to health insurance for its clients, Santa Lucía Seguros offers other excellent products to provide them with the very best. Among these products, the Santa Lucía Health policy stands out, offering clients the best benefits for their healthcare. Therefore, thanks to the trust it has earned, Santa Lucía Health Insurance Spain is considered a very helpful and valuable health insurance option.

Moreover, if you sign up for the Santa Lucía Health Network (cuadro médico), you can be assured of excellent care, with top-quality medical services and highly efficient health centers. In this way, Spaniards enjoy the best healthcare through Santa Lucía Spain.

Santa Lucía Spain also offers Santa Lucía Home, Santa Lucía Life, Santa Lucía Funeral, Santa Lucía Health, among others.

What Does Santa Lucía Health Insurance Spain Cover?

By taking out Santa Lucía Health Insurance Spain you will be able to have what is essential for the proper care of your health and that of your loved ones. Likewise, with this wonderful product you will be able to have at your fingertips, and in a short period of time, great services among which stand out diagnostic tests, consultations, emergency services, among others. All these services are difficult to obtain in public healthcare, since it is an overwhelmed system. Because of this, one must wait long periods of time to be seen, which can even be several weeks. This, without a doubt, affects the health of patients who require immediate care. Therefore, it is important to have the timely and efficient protection offered by the health policy and the Santa Lucía Health Network (cuadro médico).

But: What Does Santa Lucía Health Insurance Spain Cover? There really are several benefits included in this excellent health policy, so by taking out Santa Lucía Health Insurance Spain, you will be able to count on excellent care for your health. Santa Lucía offers three modalities that adapt to any requirement, so that you feel protected: Salud Primero, Salud Dental, and Más Salud Plus.

Salud Primero is a basic health insurance with copay and at a very reduced price. It covers: Free access to specialists, Outpatient care and access to hospital care, Surgical interventions with or without hospitalization, Emergency care abroad, and more.

With Salud Dental you and your loved ones can show your best smile. This thanks to the care of the best professionals and the best dental centers in Spain. It has no waiting periods or limitation for pre-existing conditions, Discounts of up to 40% on other treatments, Coverage for oral radiology and maxillofacial surgery, and much more.

Más Salud Plus is more complete coverage insurance, which has copay and includes: Hospital care, Surgical interventions and dental coverage, Primary care, specialties and diagnostic tests, Therapeutic methods: cancer treatments, rehabilitation, physiotherapy, Telephone advice for chronic illnesses, and more.

Conditions for Contracting Santa Lucía Health Insurance Spain

By obtaining Santa Lucía Health Insurance Spain you will have the very best in healthcare, something that is without a doubt very necessary. This is especially the case if we are the fundamental pillar of our family group. Now then, if you wish to take it out, you should know that there are a series of conditions that must be met. But: what conditions are established when contracting Santa Lucía Health Insurance Spain? Let’s see them:

• To obtain Santa Lucía Health Insurance Spain, you only need to fill out our form that is at the beginning of the article. Then you will be called by one of our agents in order to take note of your information and verify the details you have requested. Next, you will be called again to go through a questionnaire over the phone. It is important to note that our agents can advise you throughout the entire contracting process.
• If your age is between 18 and 65 years, you can take out Santa Lucía Health Insurance.
• You will be asked for information about your state of health.
• You must indicate what occupation you have.
• You must inform us of where your residence is located. If you are a Spanish resident, you can obtain Santa Lucía Health Insurance.

What Documentation Do I Need to Contract Santa Lucía Health Insurance Spain?

In order to obtain Santa Lucía Health Insurance Spain, it is necessary to provide some documents with which you can justify your health condition, as well as supply some personal data. These required documents and data are very important for Santa Lucía. It is very valuable that these are collected before carrying out the contracting of the health policy. But: What documentation do I need to contract Santa Lucía Health Insurance Spain? Let’s see what they are:

1. Fill out the health questionnaire. By filling out the health questionnaire, it is possible for Santa Lucía to determine if the person contracting the health insurance suffers from any chronic or pre-existing illness, as well as if they have any habits such as smoking or alcohol consumption.
2. Provide the first name and last name. It is necessary to supply both the first name and last name of the person who wishes to obtain Santa Lucía Health Insurance Spain.
3. Photocopy of DNI, NIE, or passport of the policyholder. Any of these documents may be submitted for the processing of Santa Lucía Health Insurance Spain, but they must be fully valid. Therefore, if they are expired, they will not be accepted.
4. Have a bank account in Spain.
5. Provide the address of residence. In this case, Santa Lucía requires this information in order to calculate the premium for the health insurance. Therefore, it is important to provide this information at the time of requesting the contracting of Santa Lucía Health Insurance Spain.

What factors influence the price of Santa Lucía Health Insurance Spain?

By contracting the health insurance and the Santa Lucía Spain healthcare assistance, you and your family will be able to have a high-quality healthcare assistance service. Now then: What factors influence the price of Santa Lucía Health Insurance Spain to contract it? Let’s see:

Does the place of residence affect the cost of the Santa Lucía Health policy Spain? It usually does affect it because, when establishing the amount of the insurance premium, healthcare costs in most cases are different between provinces. It is undoubtedly a factor that insurers usually take into account.

Can age affect the contracting of Santa Lucía Health Insurance Spain? It is undeniable that it can affect it. As is known, the most influential factor when considering risks is age. Therefore, the older one is, the more likely it is that illnesses will appear. Likewise, the premium may be higher for health insurance when being of little age, that is, if underage. This is because the younger one is, the more emergencies are needed, as well as more medical check-ups.

Is being in good health important for contracting Santa Lucía Health Insurance Spain? Well, it is essential for contracting Santa Lucía Health Insurance to be in good health. For this, insurance companies use the medical questionnaire. This way, the health status of the person contracting is verified, whatever their age may be. In this way, a medical history is obtained where it is specified if there are previous illnesses, treatments, surgical interventions, among others.

If Santa Lucía Health Insurance Spain has copayments, can it affect the price? Yes, it can affect it, because with the copayment modality and for a certain amount of money, users of some policies use a specific medical service. In these cases, insurance companies offer health products with copayment, reducing the cost of the insurance. Therefore, the higher the copayment, the lower the cost will be.

Does the number of insured persons influence the cost of Santa Lucía Health Insurance Spain? Yes, it influences, although some insurance companies offer discounts for adding insured persons. In other cases, the policies are simply more costly. Therefore, yes, it can affect it.

Can the coverages influence the cost of Santa Lucía Health Insurance Spain? Yes, they affect it because, in basic health insurance, one can have simple medical assistance, but it does not cover hospitalization or interventions. In this case, they are cheap products. On the other hand, more expensive insurance policies have more coverage at the healthcare level, covering tests, medical visits, and treatments, as well as surgical interventions and all types of hospitalization.

If the Santa Lucía Health Insurance Spain has a medical network or reimbursement, can it affect its price? Without a doubt, yes, it influences it, because when having a medical network, there is a wide network of professionals and medical centers, all without having to make an extra payment. On the other hand, in the case of a reimbursement policy, the insured chooses any center or doctor that is outside the medical network. In this case, they will only pay the bill and then manage the corresponding reimbursement with the insurer.

How can I cancel Santa Lucía Health Insurance Spain?

For many reasons and on various occasions, people find themselves needing to cancel the health insurance they have agreed with Santa Lucía. Now then, how can I cancel Santa Lucía Health Insurance Spain? Canceling Santa Lucía Health Insurance is a very simple procedure. Let’s see:

The Santa Lucía Health Insurance Spain contract is for 12 months, but this does not only apply to Santa Lucía, since all health insurance companies have the same parameters. Because of this, the health insurance law in Spain states that in order to cancel Santa Lucía Health Insurance Spain you only need to notify Santa Lucía at least one month before the completion of the year of the contract. For example: if your Santa Lucía Health policy Spain or that of any other health insurance company ends on December 31, you only have to communicate to the insurer your decision not to renew it before November 30.

What is the waiting period for Santa Lucía Health Insurance Spain?

If you take out health insurance with its Santa Lucía Spain healthcare assistance, you can enjoy many advantages. Well, many of these policies have waiting periods that must be observed when using the policy. Now then, when talking about a waiting period in health insurance, we refer to the waiting time needed to use certain services or coverages. Therefore, it is important to know: what is the waiting period for Santa Lucía Health Insurance Spain? before contracting it. Let’s see:

The Waiting Period is the initial period of time during which the pathologies diagnosed in the Insured cannot be covered, and it generally lasts 30 days for simple illnesses and up to 90 days for more complex pathologies from the start of the health insurance contract. Exceptions are usually made for accidental emergencies. Now then, the time will depend 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 can also serve as a guarantee for insurers. This is because these waiting periods ensure that the client does not take out health insurance just to cover a specific need and, once covered, abandon the contract.

What exclusions does Santa Lucía Health Insurance Spain have?

When contracting health insurance, it is likely that many exclusions exist, and it is important to know them. But… what exclusions does Santa Lucía Health Insurance Spain have? Let’s see:

• Healthcare due to negligence as a consequence of drug addiction, self-harm, alcoholism, use of narcotics, suicide attempts, among others…
• The value and price of pharmaceutical products. Except for those administered during hospitalization, such as drugs used in chemotherapy. Unauthorized medications in Spain are also not covered.
• Hospitalization for social reasons. This applies to patients with functional deterioration, suffering from chronic illness, or even pathologies associated with aging.
• 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.
• Healthcare in the case of pre-existing illnesses and injuries, or even sequelae caused by an accident before contracting the insurance.
• 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.
• Cosmetic surgery, that is, plastic surgery of the reparative type and refractive surgery, such as for myopia, hyperopia, and astigmatism, are excluded.
• Voluntary termination of pregnancy. This includes assistance for home births or other alternative methods.
• Transplants, except for bone marrow and cornea transplants.

Can I contract Santa Lucía Health Insurance with a serious illness?

In order to obtain Santa Lucía health insurance, you must be aware that there are some limitations, among them the state of health we have. Therefore, if we have health problems, it is likely that we may ask: Can I contract Santa Lucía Health Insurance Spain with a serious illness? Unfortunately, you should know that one of the most influential factors for not contracting health insurance with the Santa Lucía medical network in Spain is suffering from serious illnesses.

In general, insurance companies do not approve policies if you have any pre-existing pathology or serious illness prior to contracting insurance. To certify your health condition, you are required to fill out a health questionnaire where you must indicate which illnesses you may have. Likewise, you must indicate which injuries and surgical operations you have had and which may have left sequelae. With that data, the insurance company studies the application and the risk that the client entails.

Because of these “details,” it is possible that anyone with an illness might lie in order to contract Santa Lucía health insurance. To prevent this, the law, Article 10 of Law 50/1980, of October 8, on insurance contracts in Spain, states: The insurer will be released from paying any indemnity if the policyholder provides false information or omits a serious illness in the medical questionnaire.

Nevertheless, if anyone who wants to obtain health insurance has had a serious pathology at some point, it will be possible to contract Santa Lucía Health Insurance Spain only if they have fully recovered from that illness, without it leaving serious sequelae. For this, their health condition at that moment must be verified in advance.

SANTA LUCIA Health Insurance

Main Coverages of SANTA LUCIA Health Insurance