By paying a small amount when using medical services. This is a good option if you do not make frequent trips to the doctor, but want to be covered.
BBVA Health Insurance for the self-employed
With BBVA's Health Insurance for the self-employed, we ensure that your business remains unharmed even if you fall ill
- 86% of self-employed workers receive €375.10 less benefit on average than an employee. Reduce waiting lists to start earning again as soon as possible.
- Absences during periods of sick leave can result in the loss of future customers. We help you set up a home office.
- This insurance is deductible by up to €500 for Personal Income Tax purposes. That means you can recover up to €150 of your Self-Employed Health Insurance.
Our health insurance for self-employed individuals provides comprehensive coverage, allowing you to return to work quickly and without any delay
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Injuries and fractures
Includes X-rays and MRIs for a precise diagnosis and a better and faster recovery.
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Pregnancy and gynecology
Standard gynecological exam, also during pregnancy, with ultrasound scans included, and delivery at the center of your choice.
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Check-ups and testing
Enjoy a flexible and personal service, with clinical testing and prevention programs included. -
Operations and hospitalization
Speed things up when you need surgery, and ensure you have your own room during hospital stays.
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Treatments
Choose your medical center to receive treatment for illnesses: oncology, radiotherapy or the treatment you need.
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Appointments with specialists
Bypass primary care and get access to specialists in psychology, physiotherapy, pediatrics, ophthalmology, gastroenterology, cardiology, dermatology, dentistry and speech therapy. -
24/7 video or telephone medical consultation in general medicine and pediatrics
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24/7 video consultation in nursing
Consultation with a nursing professional on dressings, wounds, vaccinations, preparing for medical tests, treatments, etc.
Our health insurance for self-employed workers includes medical appointments and specialists
You can choose from more than 54,000 professionals and 4,200 medical centers.
- Psychology, up to 15 sessions per year per medical indication.
- Podiatry, up to 12 sessions per year per medical indication.
- Physiotherapy at home if prescribed by a medical professional.
- Dentist, with over 65 services included. And if you need to extend your coverage, we can offer you up to 21% off.
- And since 60% of patients request a second medical opinion when they are diagnosed with a serious illness, this is included too.
With medical care tailored to your pace of work
A self-employed worker works an average of 8.2 hours more hours a week than a salaried worker.
We offer you a health insurance that is suited to your schedule and your mobility:
- Medical appointments without waiting lists.
- 24-hour emergency telephone.
- 24/7 video consultations in general medicine and pediatrics.
- Video consultation with specialists.
- Ambulance service with no distance limit.
- Emergencies while abroad covered up to €12,000 per year.
We help you to ensure that your health problems affect your work and home as little as possible
Whenever you need immobilization at home or hospitalization for more than 72 hours:
- We will pay you the price of the insurance payment for up to 3 months and a maximum of €150.
- We will send you the medication you need, up to 6 deliveries/year.
- Physiotherapy service for therapies prescribed by your doctor as a result of an accident or illness (10 sessions).
- 50% reimbursement on pharmaceutical expenses. Up to €200/insured/year.
- Choose your doctor: 80% reimbursement on consultations, max. €80/consultation. up to €1,000/insured person/year.
Personal income tax
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Remember that you can deduct up to €500 of your self-employed health insurance from your income tax
And up to €4,500 by adding your family's insurance policies.
As a self-employed worker you can deduct every year:
- Up to €500 of your Self-Employed Health Insurance.
- Up to €500 of health insurance for every member of your family, such as your spouse or children under 25 years of age who continue to live in the family home.
- Up to €1,500 of health insurance for every member of your family with a recognized disability.
In the BBVA app, you will always have the policy and insurance bills available to help you deduct them from your Personal Income Tax return.
Choose your price according to the co-payment method
You will have the same coverage with any of the 3 options.
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Esencial Self-employed Health Insurance
The lowest fee with one co-payment per session
- First 3 sessions: €4 per session.
- From 4 to 10 sessions: €7 per session.
- From 11 to 15 sessions: €10 per session.
- More than 15 sessions: €15 per session.
With special prices for frequent services.
Copayment Limit: maximum €300/insured person/year.
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THE MOST POPULAR
Self-employed Health Insurance with co-payments
6 sessions without copay included
- First 6 sessions: €0 per session.
- From 7 to 10 sessions: €4 per session.
- From 11 to 15 sessions: €7 per session.
- More than 15 sessions: €10 per session.
With special prices for frequent services.
Copayment Limit: maximum €300/insured person/year.
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Self-employed Health Insurance with no co-payments
All the basic coverage and extended coverage plus:
- All the sessions you need: €0 per session.
Whether you are a freelancer or have your own business, calculate the personalized price of your health insurance.
You will be able to pay your fee as you prefer: monthly, quarterly, half-yearly or yearly.
Do you need more information about health insurance for the self-employed?
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