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Allianz health insurance in Spain

C1 Insurance Broker presents ALLIANZ SALUD Health Insurance in Spain

Allianz Health Insurance in Spain:

Allianz is one of the most powerful insurance companies in the world and is known for its excellence and reliability in various branches of insurance. The health insurance branch in Spain is developed by “Allianz Salud”  a brand that offers various products and contracting modalities.

At C1 Broker we are committed to find the right health insurance for you and your family. Specially if you are a British expatriate resident in Spain or a foreign resident in Spain, we will recommend  the appropriate health insurance product and modality for your specific case after analysing your age range, lifestyle, financial budget, nationality and affiliation (or not) to Social Security, active employment situation or non active (retirement or early retirement).

At Allianz Salud we find several types of health insurance:

  • Reimbursement Medical Insurance - with free choice of specialists and clinics with reimbursement of a percentage of the bills (90%). There are three levels of coverage: Basic, Medium and Complete.

 

  • Affiliated doctors Medical Insurance

    • With additional payment - the insured uses the Allianz Salud affiliated doctors network and when using the services pays a certain value per medical act (additional payment = in Spanish “Copago”)

    • Without additional payment  - the insured uses the Allianz Salud affiliated doctors network without paying anything more than their monthly premium

 

Why should you choose Allianz health insurance in Spain?

Because the network of affiliated doctors in Allianz includes the most prestigious specialists and Clinics in Spain: 

Clínica Universitaria de Navarra (specialists in cancer and other serious illnesses), Clínica Dexeus , Clínica Baviera (specialists in laser myopia correction), Quirón Clinics and Hospitals, Anacer Clinics and Realief Spain , among others. It also has stem cell preservation clinics (stem cell bank) such as Celvitae or Future Health.

 Under the following link you can view and filter the affiliated doctors and centres in Spain online.

Allianz Salud in the Canary Islands:

If you reside in the Canary Islands, the Allianz Salud  affiliated doctors network includes the most prestigious hospitals, medical centres and clinics: Clínica Quirón , Hospiten , etc ... If you live in Tenerife or La Palma, you can download the list of doctors for the province of Tenerife here.

 

Dental Insurance Included

Dental insurance is INCLUDED in the Allianz Salud Reimbursement Complete insurance.

 

International Travel Assistance Included

Including coverage abroad for emergency medical assistance. Allianz Health insurance includes a travel insurance policy (medical assistance in case of emergencies) up to 12,000 euros / year.

 

Unlimited hospitalisation

Hospitalization... the time you need, without implying an additional financial effort on your part. (Psychiatric Hospitalisation limited to 60 days).

State-of-the-art Medicine

You have included surgery without blood or blood products.

If you take out private health insurance, there are also tax advantages for freelancers and companies.

 

 

 

What does the Allianz Salud Reimbursement insurance include?

 

  • Medical emergencies at home

  • Emergencies in health centre

  • Primary care

  • Visits to specialists

  • Hospitalisation

  • Free choice of doctors - with 3 modalities of reimbursement 

 

 

What does the Allianz Salud affiliated doctors network insurance include?

 

  • Medical emergencies at home

  • Emergencies in health centre

  • Primary care

  • Visits to specialists

  • Hospitalisation

  • Dental Assistance

 

 

Allianz Health Reimbursement Medical Insurance - Free choice of doctor worldwide 

"Seguro Médico Allianz Reembolso Completo" / Free choice of doctor worldwide

Thanks to Allianz reimbursement, you can choose the doctor you want anywhere in the world.

Allianz health insurance with reimbursement of costs, a policy with free choice of specialists and clinics. If these clinics or specialists are not part of the affiliated centres in Spain or worldwide, Allianz will reimburse 90% of the medical costs of the bill.

Allianz insurance gives you access to private health care without waiting lists, with access to all medical centres, whether or not they are affiliated. In additional travel insurance for € 12.000 is included.

The insured party can either choose affiliated centres and doctors of the insurance company or freely choose the doctor, clinic or hospital of his choice, pay the invoice in advance and then apply for reimbursement from the insurance company.

 

There are three contracting modalities: Basic, Medium & Complete Reimbursement

 

Allianz Reimbursement - BASIC

  • The most affordable price

  • Primary Assistance

  • Suitable for those who need a supplement to the Public Health service.

  • Maximum reimbursement of € 110,000 / year for bills from specialist doctors or free-choice clinics.

  • Medical guidance by phone 24 hours a day, 365 days a year.

 

NOTE: In this modality, Hospitalisation is not included

Allianz Reimbursement - MEDIUM

  • Very affordable price

  • Primary Care + General Medicine, Pediatrics and ATS.

  • Maximum reimbursement of € 120,000 / year of invoices from specialist doctors or free-choice clinics.

  • Medical guidance by phone 24 hours a day, 365 days a year.

 

NOTE: In this modality, Hospitalisation is not included

Allianz Reimbursement - COMPLETE

  • Affordable price

  • Primary Care + General Medicine, Pediatrics and ATS + hospitalization + emergencies + specialists + diagnostic tests

  • Maximum reimbursement of € 200,000 / year for invoices from specialist doctors or free-choice clinics.

  • for medical and pharmaceutical expenses abroad

  • Podiatry: treatment of ingrown toenails, podiatric treatment of papillomas and chiropractic sessions (maximum 12 sessions per year)

  • Rehabilitation and physiotherapy

  • Medical guidance by phone 24 hours a day, 365 days a year.

  • Ambulance and intensive care unit

  • There is no drug coverage in the outpatient sector.

  • Hospital stay in a single room with a bed for the companion

Coverage and Limits:

  • Primary care: ATS, General Practice and Paediatrics

  • Free choice of specialists and medical centres

  • Diagnostic tests

  • Special treatments such as: Radiation therapy or cobalt therapy, linear accelerator, radio stereotaxic, lithotripsy ... etc

  • Emergencies in health centres and at home

  • Surgery and hospitalisation

  • The birth and everything related to it

  • Prostheses

  • Bloodless Surgery

  • Pain treatment

  • Travel assistance abroad: Coverage of up to 12,000 euros for medical and pharmaceutical costs abroad

  • Podiatry: Ingrown nail treatment, podiatric treatment of papilomas and chiropractic sessions (maximum 12 sessions per year)

  • Rehabilitation and physiotherapy

  • Medical advice by phone 24 hours a day, 365 days a year

  • Ambulance and intensive care units

  • No coverage of medication in the outpatient area.

 

Limits and Refunds:

  • Limit per insured person and year: € 200,000

  • Refund per submitted invoice: 90%

  • Outside the affiliated centres

  • Billing in affiliated centres: 100%

  • With chip card

 

Advantages:

  • Reimbursement of 90% of medical costs both in Spain and anywhere else in the world with an annual limit of 200,000 euros.

  • 100% access to a large medical team of more than 40,000 specialists nationwide

  • Dental policy included with over 30 completely free services and discounts of up to 40% for all other treatments

  • Hospitalisation in a single room with a bed for the accompanying person

  • No waiting lists or delays, tests, studies and interventions

  • Centres and hospitals of recognised prestige such as the Clínica Universitaria de Navarra.

  • Cooperation with the best specialists and doctors in the sector.

  • Agreement between Allianz and Clínica Baviera, under which you can benefit from significant discounts on laser correction of myopia

  • Techniques for the conservation, analysis and storage of stem cells thanks to the alliance agreement with Celvitae and Future Health

  • Discounts according to the form of payment: 3% annually, 1.50% every six months and 0.75% quarterly

 

Allianz Affiliated doctors Medical Insurance

This Allianz health insurance modality enables you to take out health insurance with access to the insurance’s contracted doctors and centres. This includes access to primary medicine, medical specialties, diagnostic tests, and hospitalisation.

Allianz with affiliated doctors Medical Insurance - with additional payment

Health care includes both preventive medicine and complementary health and social services. With this modality, the insured party participates in the cost of the service through an additional payment, which varies in amount depending on the service. The co-payment makes it possible to reduce the insurance premium, so that you get a double benefit from this type of health insurance.

Allianz's affiliated doctors & medical centres network is comprised of more than 40,000 private clinics and specialists.

 

Allianz with affiliated doctors Medical Insurance – without additional payment

This Allianz health insurance is identical to the previous modality, but without the insured person contributing to the cost of the service, so it works through the health card, which gives you access to all the insurance services at no additional cost. 

Coverage:

  • General medicine, paediatrics, emergency medicine and all specialities

  • Health care abroad due to illness and/or accident

  • Access to surgery without blood or blood products

  • Surgery and hospitalisation in single rooms

  • Dental insurance with discounts included

  • Diagnostic procedures including high-tech treatments

  • No restriction on the stay in the clinic, in the hospital and in the intensive care unit (except in psychiatry: 60 days)

  • Second medical opinion from the best specialists in the world

Allianz Salud Dental Insurance

 

The prices of dental treatments are usually expensive, so it is essential to have good dental insurance. The Allianz Dental Health Insurance offers you a concerted network of more than 2,200 clinics and professionals with their own medical staff .

 

You can start using the insurance immediately after hiring, as it has no waiting periods, no limitations on hiring, and no age limits.

 

The dental insurance system includes more than 60 free treatments and discounts of up to 40% for all other treatments, by paying a franchise. Said franchise will always be smaller than if you pay for said treatment for free, with which, it will always be cheaper for you to do prevention and dental treatments through insurance than without it.

 

Have Questions or Need Help?

Finding the right  medical insurance coverage in Spain and understanding how it works can be confusing.

If you have any questions, contact one of our dedicated account executives at info@c1broker.es or call us at +34 922 94 16 10. We are at your disposal.

 

C1 Broker - Allianz health insurance in Spain
 
 
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