Advantages for companies

Comprehensive health insurance with the possibility of writing off up to 100% of the policy's cost against Corporation Tax1.

Advantages for the self-employed

If you are self-employed or have a single-family SME and you take out health insurance you can write off up to €500 per insured party on personal income tax2.

Telemedicine and My Emotional Well-Being

A telephone and digital healthcare service, along with a platform hosting exclusive online courses on Mindfulness, Pilates, Yoga and many more.

Oral and dental supplement at no extra cost

Includes 25 services free of charge and agreed maximum prices for additional treatments.

Choose the payment option that best fits in with your needs:

  • Without copayment: No extra expenses as from the first service.

  • 10WITHOUT Copayment: No copayments for the first ten medical services per insured party and year. With low copayments as from the eleventh service.

  • WITH Copayment: A payment for each service up to a maximum amount per insured party of €395. No further costs.

And SMEs that insure several employees (closed collective or variable remuneration) can benefit from:

A single net premium

Up to 69 years of age.

No geographic area

No copayments

No deficiencies

Except assisted reproduction.

Enjoy the irresistible benefits of your health insurance

Reimbursement of expenses

We reimburse you up to €100 of optometry expenses, up to €100 of pharmacy, child vaccine and IUD expenses and up to €600 of stem sell cryopreservation expenses3.

Emotional well-being programme

Based on caring for the mind and emotions through a variety of online Mindfulness and Emotional Intelligence courses given by Psychology professionals4.

Dental voucher of up to €100

We give you a dental treatment gift voucher worth up to €100 which can be exchanged for orthodontics, implants and dentures, or €30 for other kinds of treatment5.

Selfie Health Service

It measures vital signs, giving you information on more than 15 health indicators, and now even measures your mood6.

NEW: Alain Afflelou

We give you a discount voucher of up to €200 on hearing aids and up to €100 on prescription glasses7.

Unlimited video consultations

Including over 25 medical specialities: psychology, dermatology... free of charge!

Take care of your oral and dental health with Caser Essential Smile Dental Insurance

  • Immediate coverage: Use your insurance from the very first day it is taken out.

  • Medical-dental roster: Gain access to over 1,500 professionals and to more than 30 of our own clinics.

  • Treatments included: Up to 45 dental services per year at no cost and additional treatments at agreed maximum prices.

  • Child Dental Plan8: Free Paediatric Dentistry treatments for children under 15 years of age, except root canal treatments and orthodontics.

Request price

Take out your health or dental insurance at Unicaja

Request an appointment at your office and we will give you a quote to your needs:

Request appointment

Frequently asked questions about Comprehensive Health Insurance for companies and the self-employed

Yes, you can. One of the main advantages of this health insurance is that you can use it immediately, except for the following coverages if you have taken it out as a self-employed person or single-family SME, the grace periods of which are as follows:

8 months:

  • Family planning.
  • Surgical operations and hospital admissions (except in cases of vital urgency), including childbirth assistance and postpartum care.
  • Oncology, cardiovascular, lithotripsy and dialysis treatments.

24 months:

  • Assisted reproduction (for both members of the couple).

If you have taken out the policy as an SME (closed collective or flexible remuneration), the only grace period refers to assisted reproduction.

 

In any event, you can start visiting the doctor as from the date the insurance policy comes into effect. You can also use your dental policy from the very first day.

If you have taken out a health or dental insurance marketed by Unicaja and you wish to renew it, you can rest assured that the renewal will be processed automatically, unless you tell us otherwise at least one month in advance.

The terms and conditions set at the moment of signing your insurance contract will be kept at each renewal and will be stated in your policy

However, the price of the annual premium may vary due to factors of the healthcare system, the insurance policyholder's age or the number of people included in the policy. If there is any change in the cost of your insurance, we will give you two months' notice before your policy expires so you can decide whether you wish to carry on with the renewal or cancel it.

You can choose any medical professional who belongs to the Medical Roster drawn up by Caser.

Payment for the insurance is made by directly debiting the account you indicate when the insurance is taken out. The account must be in the name of the insurance's policyholder, not the beneficiaries.

Easy-to-read small print

Insurance taken out with CASER, Compañía de Seguros y Reaseguros S.A., through Unicaja Mediación, S.L.U., a related banking-insurance operator, duly registered at the Special Administrative Registry of Insurance Brokers kept by the Directorate-General of Insurance and Pension Funds (Registration No. OV-0010), acting through the Unicaja Banco, S.A. network. Third-party liability insurance taken out according to prevailing legislation. You can query the insurance companies Unicaja Mediación, S.L.U. has entered into agency agreements with at  www.unicajabanco.es/seguros.

 

The insurance's coverages as set forth in the General, Specific and Special Terms and Conditions of the policy.
Products marketed at branches of Unicaja Banco, S.A. with VAT Reg. No. A93139053 and registered office at Avenida de Andalucía 10-12, Malaga.

 

(1) Tax regulations may vary in some regional authorities and may be subject to legislative reforms. We therefore recommend you consult this information with your tax advisor or the Tax Agency to ensure it is always up to date.

 

(2) The health policy is a deductible expense in the personal income tax return, provided the self-employed worker is included in the direct estimation scheme. Consult your tax advisor.

 

(3) Reimbursement of 50% of the amount of optometry bills up to a maximum of €100 per insured party and year. Reimbursement of 50% of the amount of pharmacy and child vaccine bills up to a maximum of €100 per insured party and year. Reimbursement of IUD costs after submitting a medical prescription and the relevant bill, provided the IUD is acquired by the insured party at a pharmacy. Reimbursement of up to €600 (€100 per year for the next six years) for purchasing the Biocord stem cell cryopreservation service (any modality) on the casermasbeneficios.es platform, provided the newborn baby is included in the insurance policy and remains as an insured party, and the policy is in force and premium payments are up to date.

 

(4) Free access to the routine and habit-based program to improve the mind and emotions at the Caser Telemedicine Centre on the Caser Health app until 31 December 2025. For customers over the age of 18 who are insured parties of Healthcare policies.

 

(5) Gift voucher for dental treatment per insured party (€100 for orthodontics, implants and dentures or €30 for other treatments). Valid until 31 December 2025 at clinics included in the Caser Medical Roster which have joined this promotion.

 

(6) Service offered free of charge until 31 December 2025 at the Caser Telemedicine Centre on the Caser Salud app.

 

(7) Discount voucher for insured parties and their first-degree relatives at Alain Afflelou centres, €200 for purchasing INCOGNITO brand hearing aids and €100 for purchasing glasses with prescription lenses (valid until 31 December 2025).

 

(8) The Child Dental Health Plan includes all treatments that are specific to childhood set out in the Paediatric Dentistry section of the "Dental Insurance Services and Prices" document.

Can we help you?

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You can also contact the Bank by calling at 952 60 67 67 or through the contact form.

The telephone service hours are Monday to Saturday from 8:00 a.m. to 10:00 p.m. (except national holidays).

You can also contact us by:

ATMs and offices
Help and contact

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