Comprehensive Health Insurance

Find out why it is called Comprehensive Health Insurance

Health insurance for the entire family

Enjoy great health insurance for only €128 a month for a family of three insured persons.(1)

Dental supplement included

Includes 14 basic services free of charge and agreed maximums prices for the rest of treatments provided.

No copayments for the first ten medical services provided

Don't pay anything for the first ten medical services per insured party a year.(2)

With excellent medical team

All medical specialties, hospitalisation and emergencies included, always with the very best professionals.

Health insurance with coverage for the entire family


Primary healthcare: general medicine, paediatrics and nursing.


All medical specialities: gynaecology, orthopaedics, ophthalmology, rehabilitation and physiotherapy, psychology, etc.


All kinds of hospitalisation without limit (except psychiatric hospitalisation).





Hospital and home emergencies.


Infertility and assisted reproduction diagnoses. Childbirth preparation programme and postpartum home care.


Dental supplement.


Seguro de Salud de Unicaja Banco


For people aged between 5 and 19 years(1)


And if you are three insured parties, all for just

€128 A MONTH

For people aged between 0 and 54 years(1)



If you take out the insurance before 30 June 2021(3).

Benefit from the irresistible advantages offered by your health insurance!

Seguro de Salud de Unicaja Banco

We reimburse up to €200

In optometry expenses, pharmacy expenses and child vaccines(4).


Free serological test

If you take out your health insurance between 15 March and 14 September 2021(5).

Seguro de Salud de Unicaja Banco

Gift voucher worth €100 for dental treatment

We give you a €100 dental discount voucher for orthodontics, implants and dentures, or a voucher worth a €30 discount for other kinds of treatment(6).

Seguro de Salud de Unicaja Banco

Visit your doctor without leaving home

Access the digital health service that adapts to your pace of life from wherever and whenever you want.

Take out your health insurance at Unicaja Banco

You can go to any Unicaja Banco branch to take out your Comprehensive Health Insurance. Request your prior appointment.

Request prior appointment

Frequently asked questions about Health Insurance

What exclusion period does the Unicaja Banco health insurance have?

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.

Can I take out the health insurance if I have a pre-exiting health condition?

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.


Before taking out the policy, a medical questionnaire must be completed by each insured party who applies for health insurance coverage.


Three options may come about after it is studied:


• Insured: you can make use of the all the medical specialities and diagnostic tests included under the insurance policy.


• Insured with exclusion of some pathologies: you can benefit from private health insurance, except for any pathologies you already had at the time the policy was taken out.


• Rejection as an insured party.

Does the Unicaja Banco health insurance involve copayment?

The first ten medical services provided per insured party and year are free of charge. The rest involve a minimal copayment.

What is the maximum age limit to take out the health insurance?

The maximum age for taking out the health insurance is 69 years of age, with no age limit for permanence.

Can I take out the Unicaja Banco health insurance if I am pregnant?

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.

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Digital Banking

Access your Unicaja Banco accounts and products from your computer. The perfect tool to help you manage your daily finances.   


Mobile Banking

Immediate access to your Unicaja Banco accounts and products. Find out more and handle your finances, wherever you are.   

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