Extraordinary team of doctors

With the best professionals, including all specialities, emergencies and hospitalisation.

Different copayment options¹

  • 10WITHOUT Copayment.
  • With Copayment.
  • Without Copayment.

Dental supplement at no extra cost

Includes 25 basic services free of charge and agreed maximum prices for the rest of treatments provided.

Health insurance with coverage for the entire family

  • Primary healthcare: general medicine, paediatrics, nursing, hospital and home emergencies.

  • Hospitalisation with no time limit: medical and surgical admissions, ICU, maternity care, paediatrics, psychiatry (limited to 60 days).

  • All specialities: gynaecology, dermatology, endocrinology, orthopaedics, rehabilitation, physiotherapy, ophthalmology, podiatry, etc.

  • Usual diagnostic tests: clinical tests, X-rays, MRIs, CT scans, ultrasound scans, etc.

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 your pharmacy expenses2.

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 professionals3.

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 treatment4.

Selfie Health Service

It measures vital signs, giving you information on more than 15 health indicators, and now even measures your mood5.

NEW: Alain Afflelou

We give you a discount voucher of up to €200 on hearing aids and up to €100 on prescription glasses6.

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

  • Affordable prices

  • Free Child Dental Health Plan: Paediatric Dentistry for children under 15 years of age7. Except root canal treatments and orthodontics.

  • Extensive medical-dental roster: Over 1,500 professionals throughout Spain and access to more than 30 of our own clinics with exclusive advantages.

  • Dental treatments: 45 dental services at no cost and additional treatments at agreed maximum prices.

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

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 assisted reproduction will be maintained, presenting policy and the last paid receipt..  

 

Otherwise, the exclusion period would be as follows depending on the medical services:

 

8-month exclusion period for:

  • Family planning.
  • Intervenciones quirúrgicas e ingresos hospitalarios (salvo casos de urgencia vital), incluida la asistencia en partos y cuidados posparto.
  • Oncology, cardiovascular, lithotripsy and dialysis treatments.

 

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:

  • 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.

The Insured Party must accept said terms and conditions, otherwise the policy will not be issued.

We place at the disposal of your customer three Comprehensive Health Insurance copayment options:

  • Without copayment.
  • 10without copayment: 10 first medical services per insured party a year at no cost at all. Minimum copayment for the rest.
  • With copayment: copayment per service, limited to €395 per insured party and year. Once said amount is reached, the insured party will not have to pay any further copayments.

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 8-month exclusion period for childbirth assistance coverage.

 

 

Except where it is proven that the customer has a policy with another company they have been insured with for at least a year under similar terms and conditions as these specific terms and conditions and the last bill was for the month prior to taking out the new policy.

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) The first ten medical services per insured party a year billed to the company by medical centres will be free of charge with the 10WITHOUT product. A copayment per medical service has been set as from the eleventh service. With copayment: copayment per service, limited to €395 per insured party and year. Once said amount is reached, the insured party will not have to pay any further copayments.

 

(2) 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.

 

(3) 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 2025. For individual customers over the age of 18 who are insured parties of health care policies.

(4) Gift of one dental discount voucher per insured party and year (€100 on Orthodontics and Implants or €30 on other treatments), which are applied to the franchised prices of the dental supplement with 25 free services included in the healthcare policy. Valid until 31 December 2025 at clinics included in the Caser Medical Roster which have joined this promotion. Gift of one discount voucher per insured party over the age of 18 for the purchase of health, well-being and prevention services on the casermasbeneficios.es platform (€50 on Maternity and Assisted Reproduction services or €20 on Nutrition, Genetics or Prevention services). Valid until 31 December 2025.

 

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

 

(6) 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).

 

(7) 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.

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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).

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