Tuesday 12 June 2018

Health Plans

Adeslas offers various tailor-made health insurance packages which are detailed below:

Basic from 14.50€ p.m.
This package as you can gather from the title is "Basic" outpatient only medical coverage. If you have a Tarjeta de Salud (blue card), this policy can offer you private outpatient medical services at an economical rate.
  • No international travel insurance included
  • Primary medical care, Specialists and medical diagnostics
  • Does not cover you for Emergencies, preventive medical treatment or hospitalisation
  • Organ transplants and other services
  • Out-patient medical treatments only
  • No medical questionnaire required
  • Co-payments towards medical treatments, e.g. Specialist consultation €12-€14
  • 3 month waiting period for specialist analysis, MRI
Plena Vital from 35.00€ p.m.
  • International travel insurance (90 days abroad)
  • Co-payments for certain medical services (annual co-payment limit 260€)
  • Primary medical care, Specialists and medical diagnostics, Emergencies
  • Preventive medical treatment, hospitalisation, specialist treatments
  • Organ transplants (cornea and bone marrow) and other services
  • Medical questionnaire required
  • Co-payments towards medical treatments, e.g. Specialist consultation €12-€14
  • Waiting period as per below
Plena from 45.00€ p.m.
  • International travel insurance (90 days abroad)
  • Co-payments for certain medical services (no annual co-payment limit)
  • Primary medical care, Specialists and medical diagnostics, Emergencies
  • Preventive medical treatment, hospitalisation, specialist treatments
  • Organ transplants (cornea and bone marrow) and other services
  • Medical questionnaire required
  • Co-payments towards medical treatments, e.g. Specialist consultation €12-€14
  • Waiting period as per below
Colletive Foreigners/Expats Plan from 55.46€ p.m.
This private health insurance plan is required when applying for Residencia/NIE (Certificado de Registro) in Spain when you are not contributing into the Spanish social security system.
  • Repatriation to country of origin in event of death or serious illness
  • No co-payments for medical services 
  • Primary medical care, Specialists and medical diagnostics, Emergencies
  • Preventive medical treatment, hospitalisation, specialist treatments
  • Organ transplants (cornea and bone marrow) and other services
  • Medical questionnaire and Passport copy required
  • Full annual payment required
  • No waiting period for medical treatment
Plena Plus from 55.00€ p.m.
This private health insurance plan is required when applying for Residencia/NIE (Certificado de Registro) in Spain when you are not contributing into the Spanish social security system.
  • International travel insurance (90 days abroad)
  • No co-payments for medical services 
  • Primary medical care, Specialists and medical diagnostics, Emergencies
  • Preventive medical treatment, hospitalisation, specialist treatments
  • Organ transplants (cornea and bone marrow) and other services
  • Medical questionnaire required.
  • Waiting period for specialised medical treatment
  • No co-payments
Plena Extra 150 from 79,00€ p.m.
  • International travel insurance (90 days abroad)
  • No co-payments for medical services 
  • Primary medical care, Specialists and medical diagnostics, Emergencies
  • Preventive medical treatment, hospitalisation, specialist treatments
  • Organ transplants (cornea, bone marrow, lungs, heart, liver, kidney) and other services
  • Free choice of medical clinic with a refund of 80% of expenses (150,000€ maximum limit)
  • Medical questionnaire required.

Conditions:
Certain medical services that are provided by SegurCaixa Adeslas from the start date of the policy have waiting periods of 3, 6 and 10 months for medical services, unless you join Adeslas from another insurer (certain criteria applies when transferring from another insurer to exclude waiting periods).

You are immediately covered for primary medical care services, i.e. general doctor, primary health care services and for critical life and death medical assistance. You will not immediately be covered for high technology diagnostic tests, operations, hospitalisation or specialist treatments as per the waiting periods.

Discount for 4 pax insured on policy of 10% and further discounts depending on payment terms: yearly, bi-annual or quarterly.

Pre-existing health conditions cannot be covered.