Frequently Asked Questions
Health Insurance
Yes, you are covered from the first day. However, some treatments, such as hospitalizations and surgeries, may have a waiting period of 8 to 10 months, depending on the insurance provider.
Yes, you can activate a policy using just your passport, without needing a NIE.
In some insurance companies, the clinic list in the app indicates whether there are English-speaking medical staff available
t depends on your nationality, but in general, a no-copay policy is required. Some municipalities also request annual upfront payment as a condition for residency approval.
Yes, you can deduct up to €500 per year from your taxes.
Yes, policies for self-employed professionals (autónomos) and businesses are more affordable compared to individual plans.
Yes, you are 100% covered for medical emergencies abroad. Additionally, there is an international coverage module that can be added to your policy, offering 80% reimbursement for medical expenses worldwide.
Life Insurance
Life insurance provides financial security for your loved ones, covering expenses such as mortgages, education, and family living costs in case of unforeseen events. Some policies also include critical illness coverage.
No, life insurance is not mandatory, but it is often required when applying for a mortgage. Many banks request a policy to ensure loan repayment in case of death or disability.
Dental Insurance
Dental insurance is an add-on module that can be included with your health insurance. Unlike health insurance, which offers unlimited coverage without extra costs, dental insurance includes some free treatments, but most procedures come with copayments.
Children's Insurance
Yes, a child can be insured without the parent being covered. The parent will simply be listed as the policyholder.