Private health insurance in Mallorca
What cover is possible with private health insurance?
- Free choice of doctor and clinic worldwide
- You can go to any health centre as well as specialist in Spain as well as in all other countries worldwide.
- Basic medical care
- This includes general medicine, emergencies, paediatrics, ambulance, analysis and consultations in all medical specialities. Furthermore, diagnostic tests and examinations, hospital care for medical and surgical treatment.
- Direct access to all medical specialties
- You have access to all medical specialties without having to go to your GP (family doctor) first: Cardiology, digestive tract, traumatology, gynaecology, ophthalmology, podiatry, dermatology, allergology and many more, and all diagnostic tests.
- Surgery and hospitalisation
- To make you feel comfortable, you will always be given a single room with an extra bed for your companion.
- Reasons for a stay may include oncological and kidney treatments, surgery, hospitalisation (including intensive care and pregnancy-related), prostheses and much more!
- Accident cover
- Always insured in the event of any unforeseen event. Even in the event of an accident at work or on the road.
- Dental care
- Included in all private health insurance plans in Spain are consultations with the dentist, extractions, stomatological treatments, fluoride treatments, oral hygiene and dental radiology related to the above treatments. Sealants and fillings for children under 14 years of age. All other services at discounted prices.
- The maximum limits for reimbursement in dentistry depend in each case on the modality contracted. Here, a reimbursement of 80% and a maximum of € 9,000 per year applies.
- Payment of daily allowance for inpatient hospitalisation
- If you are admitted to hospital as an in-patient, you will receive €80 for each additional day from the third day onwards, only if the costs associated with the hospital stay are not covered by the insurance company (maximum €2,400).
- Worldwide emergency medical assistance
- For trips of no more than 180 days in total, up to €20,000 is available for your emergency healthcare.
- Podiatry, physiotherapy and rehabilitation
- No limit on sessions! No maximum limits for prostheses, with the exception of cardiovascular prostheses. Here, an upper limit of €12,000 applies.
- Respiratory rehabilitation
- Respiratory rehabilitation for chronic obstructive pulmonary disease and sequelae due to infection with coronavirus or COVID-19 disease: Maximum 10 sessions per year for children under 10 years of age and 3 sessions per year for adults.
- Reimbursement of pharmacy costs
- Reimbursement can range from a maximum of €150 per year up to 100% of the cost of medicines prescribed by your doctor. The same applies to optical and orthopaedic costs (wheelchair, crutches, etc.). The amount depends on the specific agreements with the private health insurance company in Spain.
- Preventive programmes
- Our free screening programmes help to improve your general health. For example, with the screening programme for the early detection of cervical cancer for women aged 25 to 65 by taking a cytology or HPV test. Or with the screening programme for children’s health.
- Psychotherapy
- Your health insurance in Mallorca and Spain includes the use of 20 consultations per year with a psychologist to treat any emotional health problem. For eating behaviour disorders such as anorexia or bulimia, bullying at school or at work, and cyberbullying, you can claim up to 40 sessions a year.
- Dietary assistance
- Treatment and control for obesity with up to 20 sessions per year.
- Biomechanical gait and walking analysis
- A study every five years in adults and every two years in children under 15, carried out in Podoactiva centres.
- Video consultation and chat with a doctor
- You can contact a doctor by phone call, video call or chat. You can have online consultations with specialists and also chat with your health coach to improve your lifestyle habits or with a midwife if you are pregnant or have just given birth. It has never been so easy to get initial medical information. You further have the option to store your health documents (reports and lab results) via an app and have all your electronic prescriptions at hand.
- Telephone lines for medical advice
- A telephone doctor is available to you around the clock. You can also benefit from a 24-hour paediatric telephone line to ensure that your children receive medical care at all times. We give you access to the widest range of specialised telephone advice lines on the market. Among others, you will find telephone lines on medical care during pregnancy, women-specific issues, nutrition, pregnancy and childhood obesity.
- Reimbursement
- Reimbursement is made in less than seven days.
- Maximum reimbursement limits for treatment costs:
The maximum limits for reimbursements depend in each case on the modality contracted. In the case of reimbursement insurance, there is no limit on expenditure if the network consisting of contracted healthcare providers is used. Otherwise, it depends solely on the type of modality contracted, as this sets the limit on expenditure that private health insurance in Spain will cover. This starts at 80% and goes up to 100% for some modalities.
- Waiting periods
- Almost all benefits can be claimed from day one. Waiting periods exist only for some specific benefits, such as:
- Hospitalisation* and surgery (including prostheses): 6 months.
- Biomechanical gait and walking analysis: 6 months
- Childbirth (except premature births): 8 months
- Transplants: 12 months
* There are no waiting periods for hospital stays due to existing danger to life or accident.
- It is possible to see a specialist the day after taking out health insurance without a waiting period.
- Almost all benefits can be claimed from day one. Waiting periods exist only for some specific benefits, such as:
- Co-payments and modalities
- The co-payment is a small amount that has to be paid each time the health insurance is used. This amount depends on the type of insurance modalities, the medical specialties or the tests you have done.
- In the case of reimbursement, 80% of the medical bill is reimbursed for costs incurred in Spain and 90% for costs incurred abroad.
- The deductible is the amount that must be paid by the insured person and the excess is covered by the insurance.
- Three different insurance modalities are available to you:
- Without excess
- With an excess of 600 euros
- With an excess of 1,200 euros
- Age limit for taking out the policy
- Up to the age of 75.
- Savings on the family budget
- Discount when taking out private family health insurance:
- 7% if 4 family members are insured.
- 12% if 5 or more family members are insured.
- If you pay your premium annually, you will also receive a further 7.5% discount.
- Discount when taking out private family health insurance:
- Duration of insurance
- We offer you health insurance in Mallorca that lasts a lifetime. If you have already been insured with us for three years or more, we will not cancel the contract and will not increase the premium on the basis that you have claimed insurance benefits.
- The insurance contract is automatically renewed at the end of the calendar year. You will be informed by us in good time before the expiry of the term about the news relating to your insurance so that you can make your decision in peace.
Why a private health insurance?
The public health system in Spain, with fewer and fewer resources, longer waiting lists and increasingly automated health care is leading more and more people to rely on the benefits of private health insurance.
For our well-being, we all need quality healthcare. One in five Spaniards now has private health insurance.
Nowadays, private health insurance is becoming increasingly indispensable in people’s lives. It is necessary to deal with non-ordinary events that can endanger the health of adults and children.
Moreover, private health insurance in Mallorca and Spain is absolutely affordable and not comparable to the prices in other countries. They are offered in different modalities that prospective customers can choose from depending on their budget and preferences.
Private health insurance policies can also be purchased for a wide range of people in the market, from individuals to the entire workforce of large companies.
In the insurance market for private health insurance, car insurance, pet insurance, legal protection insurance for the self-employed in Spain or buildings & contents insurance in Mallorca there are many offers, many companies and many options. Sound advice is all the more important to study the various offers and coverages carefully. After all, in the end you only want to take out the product that you actually need.
Bohemia Mallorca attaches great importance to high quality, especially in the selection of insurance products. This way, our customers benefit twice.
Advantages and benefits of a private health insurance policy
The main advantage of a private health insurance policy is that it allows you to avoid the long and difficult waiting lists of the Spanish social security system.
Of course, there are more advantages and benefits:
- Going directly to a specialist without going through the family doctor.
- Primary care includes general medicine, general consultations, home and outpatient emergencies, paediatrics and much more.
- A wide range of medical professionals specialising in different health areas, english speaking specialists are also represented.
- Renowned hospitals and clinics.
- Second medical opinion.
- Single room with a bed for an accompanying person.
- Antenatal care and gynaecological screening.
- Annual preventive medical check-up.
- Supplementary dental care and children’s dental care.
- Support when travelling abroad.
- Medical care around the clock by telephone.
- No restrictions on internal prostheses.
Basic health insurance cover
A good Spanish health insurance plan should cover the following:
General medicine, paediatrics and childcare, nursing, home and outpatient emergencies at medical centres and ambulance services.
Specialised care: This refers to specialist care, both in consultation and in hospital, as well as diagnostic and therapeutic procedures in any specialty and surgical procedures.
Additional health insurance cover
Assistance abroad: if you are in another country, this does not mean that you will not receive the same guarantees as in Spain.
Personal accident insurance: covers all insured persons between the ages of 14 and 65.
Second international diagnosis: this allows you to get a second opinion from the best specialists in the world for a specific illness.
Bohemia Mallorca successfully cooperates with all renowned insurance companies in Spain.
Various types of insurance can be taken out with us:
Private health insurance with contracted health care providers
With doctors and medical centres throughout Spain, with or without co-payments.
Enjoy full health insurance in Spain with care from contracted healthcare providers combined with the best healthcare.
Private health insurance with reimbursement
Free choice of doctors and medical centres in Spain and in any country in the world (with reimbursement of 80% to 100% of medical expenses incurred). The insured can visit any doctor or centre and pay the costs themselves. Then send the bill and the medical report to obtain reimbursement.
Collective contracts for companies
We can also offer private group health insurance contracts for companies in Spain to better adjust premiums.
Spanish private health insurance is a social benefit that brings advantages for both the employer and the employee.
Benefits for companies:
- Helps the company retain talented employees.
- Reduces the number of sick days.
- Tax savings for companies. The bonus is 100% tax deductible.
- Serves to motivate your employees and increases their sense of belonging.
- For the self-employed, these expenses are tax deductible (up to 500 € per family member).
- Salary optimisation.
Advantages for employees:
- The first 500 € are considered non-cash benefits and are exempt from IRPF (Spanish income tax).
- Better conditions than an individual policy.
