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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.
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.
BENEFIT FROM YOUR INSURANCE FROM €39 A MONTH
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)
AND NOW WITH A MONTH FREE OF CHARGE!
If you take out the insurance before 30 June 2021(3).
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).
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).
Visit your doctor without leaving home
Access the digital health service that adapts to your pace of life from wherever and whenever you want.
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.
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.
The first ten medical services provided per insured party and year are free of charge. The rest involve a minimal 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.
Comprehensive Health Insurance taken out with CASER through Unimediación, S.L.U., a related banking-insurance operator, duly registered at the Special Administrative Registry of Insurance Intermediaries, Reinsurance Brokers and their Senior Executives kept by the Directorate-General of Insurance and Pension Funds (Registration No. OV-0010), acting through the distribution network of Unicaja Banco, S.A. Third-party liability insurance taken out in accordance with Royal Decree-Law 3/2020 of 4 February. You can query the insurance companies Unimediación, S.L.U. has entered into agreements with at www.unicajabanco.es/seguros.
(1) Net monthly premium of €39 per month valid for an insured party aged between 5 and 19 years who resides in Spain, except for Madrid, Galicia, Catalonia and the Balearic Islands and net monthly premium of €128 per month valid for a family comprised of three members up to the age of 54 years, except for Catalonia and the Balearic Islands. Any legally applicable taxes will be applied to the first bill. Promotion valid for new Caser Comprehensive Health Insurance policies taken out between 15 March 2021 and 14 September 2021 for insured parties who have not been insured by Caser in the six months prior to taking out the insurance.
(2) 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.
(3) Free month - November 2021. Promotion applies to monthly subscriptions of any Health Insurance product, apart from the dental product. For subscriptions which come into force between 1 May and 30 June 2021 and are up to date with payments.
(4) 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.
(5) Free serological antibody detection test. For policies taken out between 15 March and 14 September 2021. The new insured party may make use of this gift once fifteen days have elapsed from the date they have registered at the company. Promotion subject to a one-year minimum insurance policy permanence commitment. Redeemable until 31 March 2022.
(6) Gift voucher for dental treatment per insured party (€100 for orthodontics, implants and prostheses or €30 for other treatments). Valid in 2021 at Caser Medical Centres that have joined this promotion.
The insurance's coverages are set forth in the General, Specific and Special Terms and Conditions of the policy.
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