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ASISA HEALTH INSURANCE

Medical insurance tailormade for English speakers

Full health cover from:

€ 24.06*/month

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Discounts may apply depending on the form of payment

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Asisa cares for you

A DIFFERENT KIND OF INSURANCE COMPANY

We are a cooperative of doctors, created by doctors and managed by doctors with a single central goal: to put patients’ interest first.

THE LARGEST PRIVATE HEALTH NETWORK IN SPAIN

ASISA is one of the most trusted and leading health insurance companies in Spain, with the largest network of private hospitals and specialist clinics in areas such as fertility, dental implants, ophthalmology, neck and back pain, etc.

FOR ENGLISH SPEAKERS

ASISA Health Insurance was designed to offer the best of Spanish healthcare to the English-speaking community: a dedicated English speaking customer service team with 24/7 medical emergency hotline, a list of English speaking GP’s and much more!.

Choose your Asisa Health Insurance

See your options and what it covers

A welcome gift to make you smile

35% discount at Asisa’s Dental Clinics for 6 months

See this offer, our clinics and special prices for you

Find out more about ASISA

A different kind of health insurer; created by doctors and managed by doctors to put patients first.

Established in 1971, ASISA is one of the largest healthcare providers and multi-insurance groups in Spain, offering comprehensive insurance coverage and medical care across all the Spanish territories.

Fostering patient centred care has been ASISA’s absolute priority since it was established over 40 years ago.

Lavinia, the holding structure ASISA belongs to, is a cooperative owned by over 10,000 medical doctors, which makes it the largest cooperative in the field of healthcare in Europe. Lavinia is a non-profit organization, which reinvests profits back into its infrastructure, technology, and R&D.

The largest private healthcare network across Spain.

ASISA manages Spain’s largest network of private Hospitals, clinics and healthcare services, including:

  • A network of over 1,000 hospitals, outpatient units and diagnostic laboratories.
  • A network of dental clinics, including 36 ASISA DENTAL units, and up to 2,000 associated dental practices.
  • Networks of specialised clinics in ophthalmology, audiology and fertility.
  • Over 40,000 doctors and other healthcare professionals.

Insurance tailor-made for English speakers.

Asisa Health Insurance has been designed to offer the best health insurance and medical cover for English-speakers who live in Spain full-time, part-time, for Expats, families who own second homes in Spain, and anyone who wants to be covered by the best Spanish private healthcare, irrespective of nationality, where they are registered for residency purposes, or where they decide to live.

All Asisa members enjoy the advantages of full and unlimited access to:

  • The largest medical and hospital directory in Spain, with freedom to choose the doctor you prefer and the hospital where you would like to be treated regardless of where you live.
  • A “Hospital at home” programme, offering home visits by doctors and nurses.
  • Face to face consultations with doctors who speak English
  • Online consultations (live video and live chat) in English with general practitioners (GPs) and selected specialists, free of charge.
  • Medical assistance when travelling abroad.
  • Emergency contact line available 24/7 in English, both in Spain and abroad.
  • A dedicated Website in English.
  • An English-speaking call centre (+34 91 200 02 00), available from Monday to Friday from 09.00 am to 7.00 pm
  • An emergency ambulance service available in English, 24/7, 365 days a year.
  • The ability to complete administrative processes (requests for duplicate cards, change of address or account data, etc.) in English, via email, telephone, or face to face at one of our ASISA offices.
  • A list of services that is being constantly expanded and updated because your peace of mind is our absolute priority.

Frequently Asked Questions

Who is this insurance for?

This insurance is for anyone who wishes to benefit from the advantages of Spanish healthcare, without the language barriers. This includes:

  • Full-time or part-time residents in Spain
  • Residents in other countries who visit Spain regularly or occasionally
  • Those who would like to enjoy the advantages of one of the best healthcare systems in the world, regardless of where they live.

What documents are required to become an Asisa Health Insurance member?

The documents you need to provide are:

  • Passport data
  • A method of payment: a Spanish bank account or an international debit/credit card.

You will also be asked to:

  • Complete an online health questionnaire.
  • Provide a correspondence address in Spain where you would like to receive the plastic membership card. Please bear in mind that:
    • You will receive both a plastic and an electronic membership card. Both are equally valid; no need to worry if you don’t have immediate access to your plastic card.
    • The correspondence address does not need to be your home address although, in order to receive home visits from a doctor or nurse in Spain, changes of home address should be communicated within 8 days.

Asisa does not require any information on your Residency status or place of permanent residence.

Do I need to be registered as a permanent resident in Spain?

You do not need to be resident in Spain to become an Asisa Health Insurance member.

Regardless of your residency status and your place of residence, you will be able to enjoy the same advantages and privileges as a permanent Spanish resident.

Can I pay with a UK bank account?

You can pay with a debit/credit card associated to a bank account in the UK or any other country.

Direct debits or standing orders require a Spanish bank account. If you have one (either as a resident or non-resident account holder), we recommend using this payment system in order to enjoy discounts for quarterly payments (2%), six monthly payments (4%), or yearly payments (6%). Payments with debit/credit card must be yearly and do not qualify for discounts.

Can I use my card or bank account to pay for someone else’s insurance?

Yes, this is common among relatives or friends.

The policyholder and the account or credit card holder can be different people. The only requisite is that the account or credit card holder authorises the payment.

I am planning to relocate to Spain. Do I need to take out the insurance before travelling to be covered once I am there?

We recommend you take out the insurance before you relocate to Spain, in order to ensure you are fully covered as soon as you arrive.

I am thinking about moving to Spain, do I need to take out the insurance before travelling to have coverage at my arrival?

Yes, in fact it is recommended to do so to be fully covered from the first day.

Is this insurance only for British citizens?

This insurance is for anyone, from any nationality, who wishes to access the best health cover in Spain and feels comfortable speaking English.

The policy was created when British citizens who were concerned about losing access to healthcare in Spain with the advent of Brexit, approached ASISA to request a bespoke cover.

Asisa Health Insurance was designed to offer the best of Spanish healthcare to English speakers around the world, and to remove the language barriers they could face when accessing health care in Spain.

This includes:

  • Full-time or part-time residents in Spain
  • Residents in other countries who visit Spain regularly or occasionally
  • Those who would like to enjoy the advantages of one of the best healthcare systems in the world, regardless of where they live.

Can I communicate with ASISA in English?

Yes, you can communicate in English or Spanish, via:

  • The English-speaking call centre, based in Spain, which has been created exclusively for members of Asisa Health Insurance:
    • Phone (+34 91 200 0 200, Monday to Friday, except bank holidays, between 9 am and 7 pm, Spanish mainland time)
    • E-mail (ask@asisa.es)
  • The Spanish-speaking call center, also based in Spain:

For medical emergencies in Spain:

  • Communicate in either English or Spanish with:
    • Asisa Health Insurance call centre (+34 91 200 0 200) and press 0 (available 24/7)
    • ASISA’s National Coordination Centre (+ 34 900 929 971, available 24/7)
  • Go to Accident & Emergency at any hospital in ASISA’s network.

For medical emergencies abroad, call ASISA’s English-speaking medical emergencies International line (+34 913 543 740, available 24/7).

What is the difference between the plastic and electronic Asisa Health Insurance card?

There is no difference between the two cards. Both are equally valid.

When does my cover start?

Once you have paid for the premium, your cover becomes automatically activated.

I have paid for my insurance policy, but have not received the membership card or the documents. Can I use my Asisa Health Insurance cover anyway?

Yes; once you have paid the premium, you are automatically covered.

If you have completed the process online, you will have received the digital membership card, which gives you immediate and full access to your cover.

If you have chosen to do the process offline and are waiting for the plastic card and documents to arrive, rest assured: you are still covered. Contact the call centre (+34 91 200 0 200).

Am I covered by Asisa Health Insurance when I travel outside Spain?

Yes. Asisa Health Insurance includes assistance during travel, as long as you are not away from Spain for longer than 89 days consecutively. You are covered worldwide except in Venezuela, Crimea, North Korea, Syria and Iran.

During each trip, you will be covered for up to 25,000 € in medical expenses, and have access to a 24/7 emergency helpline and repatriation services if necessary.

Call +34 913 543 740 if you need assistance abroad, and provide the operator with the number of your Asisa Health Insurance membership card.

Does my insurance cover repatriation costs in the event of death?

Yes.

If policy holder passes away while travelling outside Spain, ASISA will cover the costs of repatriation of the body to Spain or to the UK (depending on the preference expressed by the Policy Holder). This includes costs related to embalming, coffin and legal and administrative tasks required for the repatriation.

In the event that the policy holder passes away in Spain, ASISA will cover the costs of repatriation of the body to the UK (if the Policy Holder has expressed a preference to be repatriated to the UK). ASISA will cover the cost of a person designated by the heir apparent to accompany the body and contribute towards the costs of accommodation during 3 days for the person accompanying the deceased policy holder.

What is excess/co-payment?

With excess (or co-payment)

The option with Excess (or “co-payment”) has a lower yearly premium. In exchange, you will be required to pay a small part of some services if and when you use them on a pay-per-use basis. The good news is that with ASISA these payments are capped at 300 euros per year, which means that regardless of the total cost of your treatment(s), you will never be required to pay more than 300 euros / year towards the pay-per-use services.

Without excess (or co-payment)

The option without excess/co-payment has a higher yearly premium. In exchange, your cover is comprehensive and you never have to pay out of pocket for any services covered by your policy. You can use the instant price calculator at www.asisacaresforyou.com to find out how much your premium will cost, depending on your age and whether you prefer the with copayment or without co-payment option.

Are there any caps for excess/co-payment?

Yes; with ASISA excess/co-payments are capped at 300 euros per year, which means that regardless of the total cost of your treatment(s), you will never be required to pay more than 300 euros / year towards the pay-per-use services.

How does ASISA charge for the excess/co-payment?

This only applies to you if you have chosen a policy with excess/co-payment.

The charging mechanism depends on how you have chosen to pay your policy:

  • If you are using a direct debit or standing order at your Spanish back account, the amount due will be charged to your account. For policy payments that are monthly, bimonthly or quarterly, the charges for excess/co-payment will be added to the next premium. For policy payments that are half-yearly or annual, an excess/co-payment receipt will be issued every three months.
  • If you are using a debit/credit card, you are invited to complete outstanding payments through your credit card every trimester.
    The excess/co-payments receipt are recorded in the private area of the website. You can ask the call centre (+34 91 200 0 200) to review your pending invoices. If you have chosen a policy with excess/copayment, and pay your premium with a credit card, we advise you to check periodically with the call center if you have any pending charges.

Does ASISA offer discounts?

Yes, if you pay your insurance through direct debit or standing order at a Spanish bank account, the following discounts apply:

  • For quarterly payments, 2%.
  • For six-monthly payments, 4%
  • For yearly payments, 6%

Payments with debit/credit card do not qualify for discounts.

I am 66 years old, can I apply for the Asisa Health Insurance?

Yes, we accept applications from new customers up to the age of 69, and follow the standard assessment process.

Can I use my policy from day 1? Is there a waiting period?

You can use your policy from the very first day in case of emergency and for services that do not include a waiting period.

Preventive procedures, primary care and emergency care are not subject to waiting periods, and are covered from the first day.

In general, waiting periods apply to highly specialised procedures, programmed surgery or hospital admission.

Services subject to a 6-month waiting period are: special diagnostic tests, special treatment procedures, programmed surgery, family planning, and psychotherapy. Non-urgent hospital admission is subject to a waiting period of 8 months.

Waiting periods can be waived if you have been covered for one year or more with an existing insurance policy with similar coverage to Asisa Health Insurance. You can apply for this waiver by sending ASISA a copy of the insurance contract, and a proof of payment for the last charge.

If I am admitted to a Spanish National Health Service hospital with an emergency, will ASISA cover my healthcare?

If you are admitted to a Spanish National Health Service hospital as an emergency, and you are covered by the Spanish National Health Service, you need not worry: the Spanish National Health Service will cover the cost of your treatment.

If you are not covered by the Spanish National Health Service, you are advised to use hospitals within ASISA’s network, which is largest in Spain.

Asisa Health Insurance’s cover does not include Spanish National Health Service facilities. Nevertheless, if you have a life-threatening emergency in an area where there is no hospital linked to the ASISA’s network, and you are admitted to a Spanish National Health Service hospital, contact ASISA as soon as you can to find the best solution. Do not worry, ASISA will never leave you stranded.

I have preexisting conditions, how does this affect my premium or my coverage?

When you apply for Asisa health Insurance membership, you are required to complete a Health Questionnaire with honesty and to the best of your knowledge. This is important; if any information is withheld or distorted, claims may be rejected and the policy may be cancelled.

Your pre-existing conditions are assessed by Asisa’s medical team. This review can lead to one of the following outcomes:

  • Your application may be accepted for comprehensive (full) cover, with no exclusions.
  • Your application may be accepted with exceptions. For example if you have suffered an accident before becoming an Asisa Health Insurance member, which has resulted in permanent damage to your left knee, but are otherwise in good health, you would be accepted. However, any treatment related to your left knee as a consequence of the accident that happened before joining ASISA would not be covered.
  • Your application may be rejected if ASISA medical team determines that you do not qualify, due to the gravity of your prognosis.

Pre-existing conditions can influence ASISA’s decision to accept an application, and the breadth of the cover offered to a given applicant. However, pre-existing conditions have no influence on the price of the premiums.

We recommend you call us whenever you need to discuss your personal case.

Does ASISA cover the whole of the Spanish territory?

Yes, ASISA covers the whole Spanish territory (mainland and islands), with a network of more than 40,000 professionals, and over 1,000 hospitals and medical centres.

What happens if I am diagnosed with a chronic condition while I am a member of Asisa Health Insurance?

Rest assured; you will be fully covered for ever with no limits, as long as you remain a member of ASISA.

ASISA does not cover chronic conditions diagnosed before taking out the policy, but fully covers any condition appearing afterwards.

Does the insurance include medication?

Asisa Health Insurance fully covers medication as inpatient treatment. You will only have to pay for medication prescribed as an outpatient.

Why do some staff at ASISA’s Hospitals wear a red blazer?

Every ASISA hospital has staff members in charge of helping you. Their remit is to ensure that your experience is pleasant, help you find your way around, and solve any problems you may encounter. They wear a red blazer as a uniform so you can spot them easily. They usually speak several languages, including English.

Can I contract Asisa Health Insurance for only a few months per year?

Spanish law states that health insurance policies are renewed on 31st of December every year. Therefore, usual duration is twelve months. However, the duration of the contract on the first year can be shorter depending on the starting date. For example, if your insurance starts on the 1st of October, the duration of the contract on the first year will be just three months. From the second year onwards, the term will always equal twelve months.

Are vaccines covered?

Vaccines are considered outpatient medication. Therefore, the policy does not cover the purchase of the vaccine, but it does cover the injection to administer it. Contact any ASISA medical centre or hospital to arrange this.

Does the ASISA insurance cover a check-up?

Asisa Health Insurance covers consultations with doctors within the ASISA network, as well as preventive tests, including laboratory tests and imaging procedures.

Moreover, it includes specific programs and guidance for preventable conditions in paediatrics, cardiovascular disease, gynecology, urology and digestive system disorders.

If I travel to Spain, can I still use my European Health Insurance Card?

If you are a British citizen, the best source for updated information on this, is https://www.supportinspain.info/knowledge-base-category/healthcare/

If you contract Asisa Health Insurance policy you will be covered even when you European Health Insurance Card (EHIC) stops being valid.

If you are a European citizen, your EHIC continues to be valid to access Spanish National Health Service in Spain. EHIC does not give you access to private health care in Spain.

I am a student and I am only staying in Spain for a year, can I take out the insurance?

Yes, of course.

Spanish law states that renewal date for health insurance policies is 31st of December every year. Call us on +34 91 200 0 200, or send us an e-mail to ask@asisa.es to discuss your special case.

What should I do if I have a problem or a complaint?

Please contact us:

  • Asisa Health Insurance (in English): + 34 91 200 0 200.
  • ASISA General hotline (in Spanish): :+34 91 99 11 999
  • E-mail for Asisa Health Insurance (in English): ask@asisa.es
  • ASISA’s General e-mail address (in Spanish): asisa.informacion@asisa.es

Which treatments and services are not covered by Asisa Health Insurance?

Treatment and services which are not covered by Asisa Health Insurance are the same ones which are excluded from other private healthcare insurance policies.

Essentially:

  • Treatments for conditions diagnosed prior to contracting the insurance, or which were not declared in the health questionnaire
  • Treatments which are not included in the list of approved technologies by the Spanish National Health Service
  • Treatments prescribed or carried out by professionals or in medical centres that do not belong to ASISA’s network
  • Cosmetic treatments and aesthetic, bariatric and robotic surgery
  • Treatments for conditions deriving from armed conflicts or natural disasters

Does Asisa Health Insurance allow me to go to any doctor I chose?

You can choose the doctor you prefer among the over 40,000 professionals that belong to ASISA’s network.

  • For support in English, you can call the English-speaking Call Centre during office hours. They will be delighted to help you find your preferred doctor by calling us on +34 91 200 0 200
  • For a full list via email please write to ask@asisa.com detailing what you are looking for (a specialist / a GP / doctors in a specific area/ other)
  • For a full list (in Spanish) visit https://buscador.asisa.es/

What do I do if I don’t want to renew my policy?

Write to ask@asisa.es with at least 31 days notice, before the date of renewal (31st December, each year), stating your full name, passport number and number of your membership card, indicating that you do not wish to renew.

Which sports are excluded from coverage?

Asisa Health Insurance is designed to cover health and accidents in normal life. High risk sports are covered by insurance policies contracted by the corresponding sport Federation.

Therefore, Asisa Health Insurance would cover injuries resulting from a car accident, but would not cover injuries resulting from a car racing competition. This would be covered by the proper sport federation.

Therefore, your individual policy does not cover injuries resulting from accidents while practising high risk sports, such as paragliding, alpinism or scuba diving.

Call us if you want to discuss your specific case.

What can I do if I need to see a doctor while I am abroad?

You can:

  • Call the International, 24/7, English-speaking travel assistance help line, to find the closest doctor or arrange a home visit: + 34 91 354 37 40
  • Use “Asisa Medical Chat” App, to resolve a query with a general practitioner (download the App from PlayStore or AppStore, and follow the instructions)
  • Call +34 900 92 99 71 to book an appointment for a phone consultation with a General Practitioner
  • Call +34 91 200 0 200 and dial 2 to book a video consultation with a specialist (currently available in English for cardiology, traumatology (orthopaedic surgery), ophthalmology and allergology)