Universal Care “Asistencia Sanitaria”

Universal Care “Asistencia Sanitaria” for those who want to have access to all the advantages of private health care in Spain. Everything you need to ensure your and your family’s well-being: private care, specialists, and medical or surgical care at any time.

Access to private medicine through a large Medical Team

You have at your disposal a top-quality national Medical Team of more than 20,000 doctors and hospital centers that includes all medical/surgical specialties as well as hospital admissions:

Primary care
Emergency health care
Medical specialties
Diagnostic methods
Hospitalization
Rehabilitation and specialized treatments
Preventive medicine
Obstetric and neonatal care. Spending for newborns in incubator

The best hospital care, without waiting lists or additional expenses

Spending for medical fees, assistants, anesthesiologists, nurses, etc.
Spending for hospital stays in ICU and for surgical procedures
Separate bedroom for companions
Spending for newborns in incubator

With total coverage

100% of spending on primary care, specialists, diagnosis, hospitalization, and surgery within our large medical team

Total flexibility

The product is completely adaptable to your needs. You decide at what premium level you want to pay, depending on your chosen copay

We invest in prevention

We include programs for infant health, early detection of gynecological, colorectal or prostate cancer, coronary risk and oral health

We invest in personalized attention

A wide variety of services are available with your Cosalud-Health Card:

24-hour telephone service for medical, social, and nutritional information
Dental health
Second medical opinion services
Fast Track Appointment service
Customer service

Reimbursement of Expenses

If your gynecologist or pediatrician isn’t within the Medical Team, you may still visit them or any other one of your choice. Under this coverage, 80% of your total bill will be reimbursed up to the limits established in the policy.

Furthermore, we reimburse pharmacy expenses for generic medications prescribed by a doctor of our Team up to the limits established in the policy.

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, 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.