Health insurance for the entire family
Benefit from a great health insurance policy with a 30% discount as from €46.76 per person (€140.30 a month for a family comprised of three insured parties)³.
Extraordinary team of doctors
With the best professionals, including all specialities, emergencies and hospitalisation.
First ten co-payments free of charge⁴
You won't pay anything for the first ten medical services per insured party and the rest at a reduced cost.
Dental supplement at no extra cost
Includes 20 basic services free of charge and agreed maximum prices for the rest of treatments provided.
Benefit from the irresistible advantages offered by your health insurance
50% reimbursement of your bills
We will reimburse you up to €100 of your optician expenses and €100 of you pharmacy and child vaccine expenses⁵.
Emotional well-being programme
Based on caring for the mind and emotions through a variety of mindfulness and emotional intelligence courses⁶.
Gift voucher worth €100 for dental treatment
We give you a dental treatment gift voucher worth €100 which can be exchanged for orthodontics, implants and dentures, or €30 for other kinds of treatment⁷.
Selfie Health Service
An exclusive digital service that will allow our customers to obtain health indicators in a complete, quick, autonomous and simple way. In just 30 seconds through simple facial monitoring on a mobile phone⁸.
If the customer comes from another insurance company and has a product having similar coverage for at least a year, the exclusion periods may be eliminated and only the exclusion period for childbirth and assisted reproduction will be maintained.
Otherwise, the exclusion period would be as follows depending on the medical services:
6-month exclusion period for:
• Family planning.
• Surgical operations and hospital admissions (except for cases of vital urgency).
• Oncology, cardiovascular, lithotripsy and dialysis treatments.
10-month exclusion period for:
• Childbirth/caesarean section assistance.
• Postpartum pelvic floor rehabilitation, provided it is requested within six months after vaginal delivery.
• Postpartum home care.
24-month exclusion period for:
• Assisted reproduction, both members of the couple.
Before taking out the policy, a medical questionnaire must be completed by each insured party who applies for health insurance coverage.
After the medical questionnaire is studied, it may be the case that some injuries, pathologies or diseases suffered prior to the insurance policy being taken out will not be covered by the policy and may even result in the insured party's rejection.
Three options may come about after it is studied:
The first ten medical services provided per insured party and year are free of charge. The rest involve a reduced copayment.
The maximum age for taking out the health insurance is 69 years of age, with no age limit for permanence.
Yes, you can take it out, though you must take into account that the policy you subscribe has a 10-month exclusion period for childbirth assistance coverage.
Easy-to-read small print
Comprehensive Health Insurance taken out with CASER, Compañía de Seguros y Reaseguros S.A., through Unimediación, 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 Unimediación, 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) 30% discount on publicly quoted rates for 2024 already applied to the budgets as from 15 September 2023.
(2) Promotion valid for new Caser Salud Prestige, Comprehensive, Active, Adapt + Essential Smile, Medical and Initiate Health Insurance policies taken out between 15 September 2023 and 14 March 2024 that enter into effect no later than 15 March 2024 for insured parties who have not been insured by Caser in the six months prior to taking out the insurance. Gift of two monthly payments in April 2024 and April 2025 where the monthly payment method is chosen and premium payments are up to date. Furthermore, if a dental insurance policy is simultaneously taken out for each insured party of the healthcare insurance policy, a third free monthly instalment is offered in June 2024. A gift of three monthly payments in April 2024, April 2025 and April 2026 where the monthly payment method is chosen and premium payments are up to date for the Caser Salud Adapt + Essential Smile products.
(3) Net monthly premium of €46.76 per person and month valid for a family of three or more members up to the age of 54 years, except for Catalonia and the Balearic Islands. Any taxes which legally apply will be applied to the first bill. Promotion valid for new Caser Comprehensive Health Insurance policies taken out between 15 September 2023 and 14 March 2024 for insured parties who have not been insured by Caser in the six months prior to taking out the insurance.
(4) The first ten medical services per insured party a year billed to the company by medical centres will be free of charge. A copayment per medical service has been established as from the eleventh service.
(5) 50% of the amount of pharmacy and child vaccine bills will be reimbursed up to a maximum of €100 per insured party and year. In addition, 50% of optometry bills will be reimbursed up to a maximum of €100 per insured party and year.
(6) Access to the digital platform through different courses at the Caser Telemedicine Medical Center, on the Caser Salud app, free of charge until 31 December 2024. For individual customers over the age of 18 who are insured parties of health care policies.
(7) Gift voucher for dental treatment per insured party (€100 for orthodontics, implants and prostheses or €30 for other treatments). Valid until 31 December 2024 at dental clinics included in the Caser Medical Network which have joined this promotion.
(8) Service offered free of charge until 31 December 2024 at the Caser Telemedicine Centre on the Caser Salud app.