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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
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Glossary
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health insurance Cyprus
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insurance UK
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insurance Barcelona seguros
insurance Madrid seguros
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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.1.2. Inpatient, Day case and Out patient treatment in
Spain but outside the
Insurer network.
When Treatment is received in Spain but outside the insurer
Network, Treatment costs will be reimbursed according to the Co-Insurance shown
in the Table of Benefits. Any costs not covered shall be the responsibility of
the Insured.
In order to make a Claim the Insured must take the
following steps:
1. The Insured or someone acting on behalf of the Insured
must notify the claim to the Insurer within the following time limits
(a) In an Emergency, within 5 working days of the Treatment
being received
(b) In the case of Surgery or planned Hospitalisation, at
least 7 working days before the date of Treatment
(c) The above mentioned time limits shall not
contravene article 16 of the Spanish Insurance Law that states "The insured
or the beneficiary should notify the insurer of any claim within 7 days of
becoming aware of the claim unless the Policy states a longer time limit."
2. For claims involving Surgery, Hospitalisation,
diagnostic tests and other Treatments together with the notification of the
Claim Event the Insured will send to the Insurer medical information that
specifies the diagnosis and type of illness, the name of the place where
Treatment was received, the date of admission, the probable duration of the
Treatment and its likely nature.
3. The Insured should follow closely the advice of their
Doctor and should give the Insurer any information requested regarding the Claim
Event and its consequences.
4. The Policy Holder, the Insured or the Insured's family
should permit a doctor appointed by the Insurer to examine the Insured in order
to verify any issue regarding the Insured's state of health.
5. The Policy Holder or the Insured should notify the
Insurer of the end of any period of Hospitalisation.
6. The Policy Holder or the Insured should present the
Insurer with the following documents:
6.1 A fully completed claim form
6.2 Receipts and original invoices of any costs inclurred
by the Insured, duly separated and accompanied by the following information.
a) the patient's name
b) Details, dates and costs of the Treatment
c) Identification of the person or entity providing the
Treatment with their name, surname, address, tax number (NIF) and practice
identification number
6.3 Original receipts
6.4 Original medical prescriptions for the Treatment
received by the Insured, save that for Consultations where such prescriptions
are not necessary.
6.5 Original medical report explaining the Treatment
provided to the Insured, the development of the illness, with a prognosis and
assessment of future Treatment.
Failure to comply with paragraphs 1 to 6 above shall be
grounds for denial of a claim, unless such failure to comply was due to
circumstances beyond the Policy Holder, Insured or their families' control.
Should the Insured suffer any of the illnesses noted in
these General Conditions that is eligible for reimbursement, the Insurer will
pay the Policy Holder or the Insured the appropriate sum by the method detailed
below.
Once all the required documentation has been received, and
the appropriate checks have been made regarding the Claim Event, the insurer
within ten working days will reimburse or make the appropriate payment according
to the circumstances.
Should the Claim Event last for longer than three months,
the Policy Holder or the insured should send to the Insurer the invoices for the
costs incurred in the previous three months.
If the Insurer has, without cause, failed to reimburse the
claim three months after the Claim Event, the amount to be reimbursed by the
Insurer shall increase at 50% the current Spanish basic rate of interest. This
shall be calculated daily and without need for a court judgement. Two years
after the claim has been made, the annual interest cannot be less than 20% (article
20 of the Spanish Insurance Act).
Reimbursement for Treatment received in Spain outside the
Insurer Network will be paid in Euros only by bank transfer to the Spanish bank
account of the Insured or the Policy-holder.
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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