Expat Health Insurance Spain

Premier agency for private health & medical insurance in Spain for expats

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Comparison between Sanitas and CoSalud policies.

Sanitas Mundi 500.000 Universal Mixto
Hospital Reimbursement 80% 100%
Outpatient Reimbursement 80% 85%
Coverage Public Hospitals No Yes (€ 270 per day, limit 1 year)
Traffic accidents Excluded Covered
Accidents at work Excluded Covered
Latest surgical techniques Excluded All
Robotics and laser surgery Excluded All
Free annual checkup Excluded Covered (€ 1,000 per year per insured)
Homeopathy, chiropractic, acupuncture, Ozoterapia Excluded Cubierto (1.000€ al año por asegurado)
Limit Prosthetics € 4,500 and supplied by the Insurer Along with the limit (€ 30,000) and free choice of prosthesis
Chronic conditions Excluded Covered
Individual penalty claims Yes No
Coronary Stents max. 4 Unlimited
Green Laser Surgical Technique No Yes
Riziolisis No Yes
Prostatic laser photovaporization No Yes
Da Vinci Robot No Yes
CT Colonography No Yes
Cálacico Score No Yes

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Sanitas Cosalud Mixto
Clinical Picture Clinical Picture Yes Yes
Homeopathy No Yes
Acupuncture No Yes
% Hospital 80% 100%
% Extrahosp 80% 85%
Limit room / day € 210 € 345
Annual limit gynecology € 100 Annual Extra
Annual Limit pediatrics € 100 Annual Extra
Annual Limit obstetrics € 100 Annual Extra
Limit surgeon fees from € 525 to € 6,900 Annual limit intervention
Limit per visit Primary Medicine € 60
Limit by specialist consultation € 125
Pharmacy Costs € 200 No
Daily compensation substitute € 60 € 275
Limits prosthesis Intraocular Lens € 100 € 100
Hip Prosthesis € 3.500 Limit Total Intervention
Osteosynthesis material € 2.000 Limit Total Intervention
Coronary Stent € 2.000 Limit Total Intervention
Pacemaker € 6.000 Limit Total Intervention
Defibrillator No Limit Total Intervention
Abdominal tights  € 500 Limit Total Intervention
Breast prostheses € 1.000 Limit Total Intervention
Other Latest surgical techniques No Yes
Alternative Medicine No Yes
Free annual checkup No Yes

 

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Why choose Cosalud health Insurance?

In Cosalud, your peace of mind is our main goal, which is why for pediatrics and gynecology, you get to choose the specialist that treats you. Furthermore, we include reimbursements on pharmacy expenses so you have no problem following your treatments.
Cosalud offers three contract plans--without copay at all, with low copay, and with high copay--so that you can be the one who manages your health policy.
We've also worked hard to improve our services as much as possible by offering you the following conveniences: 24-hour medical help line, prompt response on authorizations (maximum 2 hours), optimization of national medical teams, and the ability to fill out the health questionnaire via telephone.

Maximum coverage on the market

  • 1. Medical consultations for primary care. General, pediatric, and childcare medicine, ambulance services, infirmary, home and outpatient emergencies in medical centers.
  • 2. Access to medical specialties, consultations, or hospital regimens, including advanced technological diagnostic procedures (PET, magnetic resonance, etc.) and therapeutic procedures, surgical specialties, and individual room with accompanying bed.
  • 3. The best hospital assistance, including ICU.
  • 4. Dental Plus supplement.
  • 5. Neonatology.
  • 6. Family planning. IUD implantation, tubal ligation, vasectomy.
  • 7. Includes prostheses, without limits. We cover cornea transplants and autologous bone marrow transplants.
  • 8. Reimbursement for urgent care (vital and non-vital) in provinces lacking services.
  • 9. Coverage for work-related and traffic accidents.
  • 10. Access to therapeutic tools: pain treatment, chemotherapy and radiotherapy, acupuncture, aerosol therapy, physiotherapy and rehabilitation, homeopathy and sports medicine, logo-speech therapy, podology, preparation for childbirth, etc.
  • 11. Preventative medicine via specific plans. Annual gynecological, coronary, colorectal and prostate cancer, and basic adult medical checks, among several others.
  • 12. 15 clinical psychology sessions per year and free psychological care over the phone, 24 hours a day and 7 days a week.
  • 13. The ability to obtain a second medical opinion nationally and internationally for serious illnesses.
  • 14. An international assistance service for when you're traveling.
  • 15. Access to a vast array of health and well-being services at incredible prices. Ocular refractive laser surgery, green laser KTP treatment for benign hypertrophy of the prostate, assisted reproduction, psychological consultations, etc.
Rainer Hobrack

Rainer Hobrack

Rainer Hobrack, founder of Health Care Insurance Spain has been an expat living in Spain for over a decade now. He understands the frustrations of dealing with health insurance and the pain of dealing with the public health system.

Why should you trust Rainer Hobrack with such a big decision?

Mr. Hobrack is passionate about helping others, he's an expat too! He's very experienced in dealing with all aspects of health insurance. Mr. Hobrack is fluent in both English and German. So you know if you have questions he will be able to effectively answer them using his great communication skills and experience.

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You can reach out to me at any time and I will be more than happy to help. You can get in touch via Facebook, Google+, or LinkedIn. The easiest and fastest method is through a telephone call or a message via Whatsapp.

No-Hassle Communication!

If you’d like, feel free to send me a mail. I will answer within 24 hours. When sending me an email please mention your phone number so we can talk on the telephone if needed or we can see us, if you are in Barcelona and surroundings!

Medical Services in Spain

Medical Services in Spain

Find here all the medical services in Spain covered by the Cosalud insurance plan. More than 5000 medical centers all over the spanish peninsula to attend your health needs. Read More...