Expat Health Insurance Spain

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

Universal Mixto

Universal Mixto is health care insurance that is flexible, economical, and completely effective.

It combines into one product the best of the Reimbursement system with the best of the Universal health Care “Asistencia Sanitaria” system, facilitated by a medical team, and allowing you to choose the system you need at any time so you can enjoy the advantages of both.

The Reimbursement Component

Maximum benefits. Complete freedom of choice of doctors and hospitals in Spain and anywhere else in the world. 100% reimbursement of hospitalization expenses due to sickness, pregnancy, or accidents, incluing surgical procedures, hospital stay expenses, ICU, or ambulance transport.

Complete freedom of choice also applies to medical visits, diagnostic tests, alternative and preventative medicine, and rehabilitation treatments, with 85% of expenses reimbursed.

Main features:

  • Maximum quality of attention and medical services
  • Complete freedom of access to any doctor or medical center
  • Worldwide coverage

The Universal Care “Asistencia Sanitaria” Component

You have at your disposal a Medical Team of national reach and maximum quality that includes all medical/surgical specialties as well as hospital admissions:

  • Primary care
  • Emergency health care
  • Medical specialties
  • Diagnostic methods
  • Hospitalization
  • Special treatments
  • Preventive medicine
  • Obstetric and neonatal care

Main features:

  • Unlimited coverage
  • Fast Track Appointment service for medical consultations

Cosalud-Health Card

A huge variety of services are available to you with your Co-Health Card.

Telecare

If you find yourself immobilized in your home due to accident, illness, or convalescence, a specialized center can address all your consultations and medical needs 24 hours a day and 365 days a year.

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.

Follow me

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...