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Terms and Conditions of the promotion

Check the terms and conditions of the promotion here .

What are the requirements to apply for the insurance policy?

You must be under 75 when you take out the insurance. Depending on your situation, you must answer a few questions, do a medical survey or take a medical check up. Once you have taken out your insurance, you must wait a certain time to access certain services. Outpatient surgical operations: 3 months. High-technology diagnostic tests: 6 months. Psychology: 6 months. Childbirth or Cesarean section: 8 months. Fallopian tube tying or vasectomy: 10 months. Complex therapeutic methods: 10 months. Non-outpatient surgical procedures and hospitalization: 10 months

What does co-payment involve?

By paying a small amount (previously set) whenever you use a medical service. It's a good option if you want to be covered; but you don't go to the doctor very often.

What is the grace period?

This is the time between taking out the insurance policy and when certain assistance services or coverage can be requested.

What do I need to enroll in the BBVA Plan EstarSeguro?

To enjoy the BBVA Plan EstarSeguro, you need to sign up for the BBVA Plan EstarSeguro card, free of interest charges, fees or extra costs. Credit card subject to approval by BBVA. The BBVA Plan EstarSeguro card can only be used to pay the premiums of certain insurance policies. Offer valid until 01/31/2025, after which date it will be renewed annually, provided there are no changes in the conditions. For a transaction of €600 payable in 12 months at a nominal annual interest rate of 0%, the total amount payable would be €600 in monthly payments of €50 each; the resulting APR, annual percentage rate, will be 0%.

Insurance product information document

By law, we have to provide you with a standard insurance product information document to help you understand the main features. BBVA Más Salud Esencial insurance: open document . BBVA Más Salud insurance without copayment: open document . BBVA Más Salud insurance with copayment: open document .

Who is the insurance company?

Product 50% underwritten by BBVASEGUROS, S.A. de Seguros y Reaseguros and SANITAS, S.A. de Seguros.

Who is the intermediary?

BBVA MEDIACIÓN, OPERADOR DE BANCA-SEGUROS VINCULADO, S.A. listed in the Administrative Register of Insurance Brokers of the Directorate-General for Insurance and Pension Funds under code OV-0060. Has an approved public liability insurance policy.

BBVA Más Salud medical insurance

Health insurance that looks after you and your family

Access the full Sanitas medical staff.
With more than 57,000 professionals and over 4,500 medical centers.
Take out medical insurance with custom coverage depending on your needs.

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Now with free home delivery services and reimbursement of medicines. Conditions apply.

Until 02/15/2025. Terms and conditions apply.

In Spain, more than 11 million people now have private health insurance

If you want to reduce waiting times to see a specialist doctor or to perform a surgical procedure, private health insurance is the best way to complement public health care. So that your health never has to wait in line, BBVA Más Salud Insurance will give you quick and easy access to the best medical professionals at Sanitas.

6,042 people alone visit a specialist doctor each hour

When it comes to taking care of your family's health, it makes sense that you want care from top professionals. That's why BBVA Más Salud Insurance offers you healthcare assistance and access to the full Sanitas medical network, with more than 57,000 professionals from all medical specialties and more than 4,500 centers with first-rate facilities throughout Spain.

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Thanks to digital medicine, time and distance are no longer a problem

With BBVA Más Salud Insurance, you will have the treatment and care you need without having to leave home:

24/7 video consultation for emergencies in general medicine and pediatrics.
Video consultation and digital health programs.
Video consultation with a doctor in every specialty.

Not all health insurance policies are equal. Make sure that yours also covers child health, dental care and psychological care

The BBVA Más Salud Insurance offers you very broad coverage with the professionalism and guarantee of Sanitas:

Dental care with special prices.
Personal nutrition programs, training, child health, pregnancy, psychology, pelvic floor care, smoking cessation, etc.
Up to 15 psychology consultations, 12 podiatry treatments and 80 speech therapy sessions.

See comprehensive coverage options

Can you pay for medical insurance only for what you are really going to need?

Yes, because BBVA Más Salud Insurance allows you to choose between 3 plans with prices based on the medical care you need:

Health insurance without co-payment, if you go to the doctor frequently and you prefer a high monthly fee but with everything included.
Health insurance with co-payment, if you go to the doctor infrequently and you prefer a lower monthly fee, paying an additional amount for each visit (the first 6 will be free each year).

See co-payments table

Essential health insurance with co-payment, if you do not usually go to the doctor and you prefer a low monthly fee, paying an additional amount for each visit.

See co-payments table

At BBVA we want to offer you medical insurance that meets your needs

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Your BBVA Más Salud Insurance

What coverage is included in each plan?

BASIC COVERAGE
You can choose from three different plans: Without co-payment, With co-payment and Essential. They all include the following advantages:

General practice and specialties (gynecology, pediatrics…).

Surgery and hospitalization.

Pregnancy and childbirth follow-up.

Therapeutic treatments (physiotherapy, rehabilitation, radiation therapy…).

Dental 21: access to a wide range of dental services and coverage with special prices, subject to deductible.

Testing and diagnoses (x-rays, ultrasound scans, MRIs…).

Second medical opinion.

24/7 emergency hotline.

Prosthesis.

Emergencies abroad up to €12,000/person.

Chiropody: 12 sessions.

Psychology: 15 sessions.

Speech disorders: 80 sessions.

Prevention programs.

Ambulance service.

24/7 video or telephone medical consultation in general medicine and pediatrics: Video or telephone consultation in general medicine and pediatrics with a doctor.
DIGITAL MEDICINE
24/7 emergency video consultation for both general medicine and pediatrics.

Customized digital health programs that you can use from day one and as often as you like: personal trainer, nutrition, child health and pregnancy.

Video consultation with specialists.

24/7 video consultation in nursing: Consultation with a nursing professional on dressings, wounds, vaccinations, preparing for medical tests, treatments, etc.

Digital Physio: Online treatment and physical rehabilitation, as well as advice to prevent future injuries.

Check your health: Digital service promoting preventive healthcare, with a general check-up consisting of the following tests: Facial analysis for metabolic risks (hypertension, type II diabetes, hypercholesterolemia, hypertriglyceridemia), hearing, cardiovascular, dermatology and psychological assessment.

Take care of your mental health: Access the best medical staff through video consultations and on-site support whenever you need it.

Measurement of vital signs via facial imaging: You can measure your vital signs using your cell phone, including heart and respiratory rate, blood pressure, and stress level.

Digital health programs: Access to professionals, when you need them, with programs for disease prevention, nutrition, personal training, pregnancy or children's health.

Online physician: More than 3,100 specialists are available to you wherever you are, with emergency services or online consultations.

What supplements can you add?

OTHER OPTIONAL SUPPLEMENTS
Access to the prestigious Clínica Universidad de Navarra, a highly specialized hospital.

Assistance in the United States.

Students supplement.

Reimbursement of pediatrics, gynecology and obstetrics consultations outside the medical network.

Optical.

Accidents.

Traffic and Occupational Accident Guarantee.

Reimbursement Services.

Family Assistance.

Superior dental coverage.

Would you like more information?

Save on your insurance with BBVA Plan EstarSeguro

If you decide to bundle your BBVA policies, you can pay the premiums monthly and save up to 15% depending on the insurance you include in the Plan EstarSeguro.

BBVA Más Salud Insurance

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If you have any questions, we can call you and give you all the information you need.

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