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since 7/2002
accident insurance Spain
agencia vinculada de seguros
boat and golf insurance in Spain
business insurance in Spain
car
insurance in Spain
Commercial Premises insurance - Spain
Community Insurance 'Comunidad' - Spain
"couples"
dental and medical insurance plans
English insurance agent in Spain
España
¿Estudiando
en otro país?
expatriate insurance
Français
Glossary
health insurance Bulgaria
health insurance Cyprus
health insurance Czech Republic
health insurance France
health insurance Germany
health insurance Italy
health insurance Poland
health insurance Portugal
health insurance Spain
health
insurance UK
house
insurance Spain
insurance Barcelona seguros
insurance Madrid seguros
insurance Valencia seguros
international health, medical and travel insurance cover
international travel insurance
Liberty
Commercial Premises - Important Note
life insurance in Spain
Maritime plan - international health cover (crew only)
Oil and Gas Industry - health insurance
Retirement?
How about retiring to Spain?
Spain
Teachers - international health cover (Spain)
traducciones juradas (sworn translations)
translations y traducciones
turismo rural tourism
welcome to Spain!
world travel insurance
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www.e-healthinsuranceservices.com
Sanitas Health Plan
Complete. General Conditions:
1.
PURPOSE OF THE INSURANCE
A) PROVISION OF SERVICES
A.1 In Spain
A.1.1. Inpatient, Day case and Out patient treatment in the
Insurer network.
When Treatment is received within the Insurer Network,
medical expenses for Treatment covered under the Policy will be settled by the
Insurer directly with the hospitals, doctors, etc. Treatment may be received in
all locations in which there are accredited members of the Insurer Network.
Beneficiaries may go directly to their family Doctor or
Consultant, who may refer them to another medical provider within the Network
for tests, diagnostic procedures etc. A family doctor in the Insurer Network
will be assigned to each Insured and, if applicable, a family doctor for
children.
When receiving Treatment in the Insurer Network, the
Insured must present their Sanitas Health Plan card, together with the receipt
for the last subscription payment. The Insured must also present a national ID
card, passport or any other official form of identity, if requested.
Pre-authorisation from the Insurer is required for Surgical
Operations, In Patient and Day Case Treatment, Consultant or Doctor Treatment,
some therapeutic Treatments and diagnostic tests to be undertaken in the Network,
with prior referral from an Insurer Network doctor. This authorisation will be
provided unless the Treatment required or condition is not covered under the
policy. The authorisation guarantees payment by the Insurer.
Pre-authorisation of Treatment is not required in case of
an Emergency, and referral from a Doctor in the Network is sufficient. The
Insured should notify the Insurer within 72 hours of beginning Treatment. The
Insurer will pay for all covered medical expenses in these circumstances, until
the Insured is notified otherwise by the Insurer.
Home Care is only covered when received at the home address
notified to the Insurer for treatment included in the Policy and when provided
by an Insurer Network doctor. If the Insured changes their address, they must
notify the Insurer in writing by recorded delivery at least eight days before
Treatment is received.
If the Insured is temporarily resident at another address
in Spain, which does not have an Insurer office, the Insured must show the
Sanitas Health Plan card in order to get the benefits covered by the policy at
one of a number of local affiliate offices of Sanitas. Administrative procedures
in each of these offices may vary and must be accepted by the Insured. In
exceptional circumstances, the Insurer may refer or transfer the Insured to a
public Hospital to receive Treatment.
A.2.
In the second European country of cover
You can choose the level of cover you need:
accident insurance /
Boating insurance (jet skis, sailing and motor boats) /
Business insurance (churches, clinics, factories, schools, shows, Town Halls,
warehouses, workshops (chemical products, leather, metal, paper or cardboard,
plastic or rubber, textile) /
Car insurance (including foreign number plates/registrations, top of the range
or Classic cars) /
Caravan insurance /
Civil liability insurance eg trades, hairdressers, academies, bars, restaurants,
tourist guides, monitors, shows) /
Commercial Premises insurance
(amusement arcades and one-armed bandits, bars, beauty salons, cafes, cake
shops, chemists, clubs, discos, florists, fruit shops, gift shops, gyms, health
shops, hairdressers, international 'phone call shops, ironmongers, jewellers*,
newsagents, opticians, restaurants, sex-shops, shoe shops, stationery shops,
street cafés, supermarkets, telephone shops*, travel agencies,) /
Financial planning ideas - and how to save money in Spain ... /
Funeral insurance /
Golf insurance /
health
and
dental
insurance
plans /
Health insurance offers eg SMEs, catering, shops /
Home insurance (as an owner or tenant) /
Horse insurance /
Hunting insurance /
Insurance for Building Companies /
Insurance for Electrical Equipment /
Insurance for Haulage Companies /
Insurance for Companies selling or renting equipment /
International health insurance (transfer your Sanitas rights both ways) /
Life insurance (protect your family if you die or become disabled) /
Machinery Breakdown Insurance /
Maritime insurance (crews only) /
Mobile insurance - checklists adapted to your mobile screen... /
Mortgage repayment life insurance (it may be cheaper to replace your current
mortgage repayment life insurance, eg people in Spain working with/in/on/at:)
(
animals /
aviation /
building sector /
Civil protection and police /
countryside, vets /
factories or mines /
home makers or parks /
hospitals, consulting rooms, clinics /
logistics and transport /
office workers /
press or mass media /
sales reps /
ships, wharfs, at sea /
shop workers, SMEs, cars, hotels /
shows and culture /
training, unemployed, retired ) /
Motorbike-motorcycle insurance /
Office insurance /
Responsabilidad Civil - PYMEs, fundaciones, asociaciones... /
Returning to the UK from abroad? (you may not be covered by the NHS for 6
months) /
Seguro contra daños (RC) /
Seguro de amortización, por ejemplo personas que trabajan con/en: (
animales /
aviación /
barcos, muelles, alta mar /
campo y veterinarios /
casa o cuidando parques /
construcción /
en la calle /
espectáculos y cultura /
fábricas o minas /
formación, desempleados, jubilados /
hospitales, consultas, clínicas /
logística y transporte /
oficinas /
prensa o medios de comunicación /
protección civil y policía /
tiendas, pymes, bares, hoteles ) /
Seguro de automoción (talleres de automóviles, mecánico, eléctrico, chapa y
pintura, estaciones de servicio, túneles de lavado, garajes, concesionarios (con
o sin talleres de reparación de vehículos) /
Seguro de Comercio (agencias de viajes, bares, cafeterías, charcuterías, clubes,
discotecas, farmacias, ferreterías, floristerías, fruterías, gimnasios,
joyerías*, locutorios telefónicos, ópticas, papelerías, pastelerías,
peluquerías, quioscos (periódicos, freidurías y bares en la vía pública),
relojerías*, restaurantes, salones de belleza, salones recreativos, sex-shops,
supermercados, tiendas de calzado, tiendas de productos dietéticos, tiendas de
regalos, tiendas de teléfonos*, tragaperras, traperías y desperdicios ) /
Seguro de Comunidades /
Seguro de decesos /
Seguro de empresas (almacenes, ayuntamientos, clínicas, espectáculos, escuelas,
fábricas, iglesias, talleres metalúrgicas / textil / cuero / plásticos y goma /
papel y cartón / productos químicos) /
seguros agrarios /
Seguros
para casas rurales, hoteles, fondas, pensiones, complejos turísticos / insurance
for rural houses, hotels, guest houses, bed and breakfast, tourist resorts
/
seguros para transportistas / road haulage insurance /
seguros pecuarios - para su ganado ovino, bovino, caprino y aviar /insurance for
sheep, cows, goats, poultry /
Shop insurance /
Travel insurance - visa compliant eg for US students, tourists or business
trips, includes dangerous areas, professions and sports /
(..主要健康计划......),
Zahn- und Krankenversicherung in Spanien wenn Sie den Versicherungsantrag und
die allgemeinen Bedingungen auf Deutsch möchten ...
and more insurance products!
Some clients...
life insurance in Spain
Contact / contacto ...
Seguros diseñados para
clínicas / insurance for
clinics
... (Inicio...)
Información, solicitud de alta / information, application form ...
Health insurance offers via an English agent: eg for opticians, self-employed,
small and medium sized companies in Spain (SMEs), catering, sports, shops
If your business doesn't compete with my
activities,
I am willing to work with my insurance clients to publish their publicity in
my websites
- for our mutual benefit ...
/
Si Vd contrata un
seguro conmigo, y no es de mi competencia, puede anunciarse en alguna de mis
páginas web...
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