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At Cosalud, your rates are not dependent on your claims

20th November 2014 by Rainer Hobrack

Cosalud, one of the largest health insurance companies in Spain, provides its customers with coverage unlike that of any other health insurance company in Spain. A flagship of well-renowned Catalana Occidente, who is known to cover all areas of life with affordable insurance. Cosalud is the only health insurance company in Spain wherein your monthly rates are not dependent upon your claims.

monthly rates claims

Cosalud, one of the largest health insurance companies in Spain, provides its customers with coverage unlike that of any other health insurance company in Spain. A flagship of well-renowned Catalana Occidente, who is known to cover all areas of life with affordable insurance, Cosalud is the only health insurance company in Spain wherein your monthly rates are not dependent upon your claims. Unlike many other health insurance companies, who raise their rates within a year of your application, Cosalud insures that you will be paying the same payment each month for the same high-quality care that you signed up for. After signing up, your plan is completely customizable to your needs. You decide what level of premium you want to pay, depending on your chosen copayment level for your age and benefits. For two individuals nineteen years of age, their minimum payment could be as low as 59 Euros or for a higher plan just over 70 Euros. From then on, they’ll have the same monthly rate. The same monthly rate no matter how many times you use your card, no matter how many claims you make. One price, guaranteed! Cosalud offers peace of mind that they won’t overcharge or raise their rates after getting you hooked into a contract.

As well as great rates that stay the same month to month, Cosalud provides you with a national medical staff of the highest quality. Cosalud is proud to provide its customers with full coverage of primary care, diagnosis, hospitalization and surgery within their national team of doctors.With more than 25.000 doctors and hospitals, Cosalud covers all medical and surgical specialties and hospital admissions from primary medicine, emergency health care, medical specialties, diagnostics, hospitalization, rehabilitation and treatments, preventive medicine and obstetric care and newborn. They provide for you the best hospital care without waiting lists or hidden extras.

Worried that they can’t provide service in your area? In order to offer a comprehensive and efficient service, Cosalud offers a wide network of branches and offices. In total over 330 offices, with more than 8,000 agents distributed throughout the Spanish territory that provide maximum personal attention to each individual.

Cosalud has four basic plans: Health Insurance, Joint Health Insurance Reimbu sement, Insurance Reimbursement with choice of doctor worldwide, and Daily Indemnity Insurance for Hospitalion.

The Health Insurance plan is largely laid out in the first and the second paragraphs of this article. The Insurance Reimbursement Plan allows you to choose a doctor and hospital anywhere in the world. You can go to the most prestigious centers worldwide. The Joint Health Insurance Reimbursement Plan combines the Insurance Reimbursement Choice with Health Care Insurance provided by our physicians allowing in each case a choice of care providers. The Daily Indemnity Insurance for Hospitalization is a plan that provides financial aid for each day of hospitalization as well as includes access to dental services and health and wellness services.

So you see, no matter what plan you apply for you are guaranteed two things above all by Cosalud: great rates that don’t increase over time and great health care with a wide range of providers. That’s what Cosalud has to offer if you choose to apply today.

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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.

Cosalud, health Insurance in Spain

About Our Company

Co-Salud is one of the largest health insurance companies in Spain, the flagship of the well renowned company Catalana Occidente. Co-Salud is the only company in Spain which it´s monthly rates are not dependent on the amount of claims you make. Read More...

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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.

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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...

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