Pre-existing conditions
An insurer may offer ordinary cover, impose a specific exclusion, change terms, request more information or decline the application. Keep a copy of your health declaration and written decision.
Waiting periods and co-payments
A waiting period delays access to a covered service. A co-payment is a charge when a covered service is used. Neither is the same as an exclusion.
Networks, medicines and continuing care
Check hospitals and specialists in the network, authorisation requirements, outpatient prescriptions, medical devices, mental healthcare, rehabilitation and treatment outside Spain.
What to keep
Retain the policy wording, product information, personalised terms, health declaration, provider directory, claims procedure and any immigration certificate.
Mental healthcare and rehabilitation
Policies can limit psychology, psychiatry, physiotherapy and continuing treatment in different ways. Check session limits and authorisation.
Maternity
Benefits can differ between outpatient care, tests, childbirth and postnatal care. Waiting periods vary.
Treatment outside Spain
Some products offer limited emergency assistance abroad while others provide wider cover. Check territory, trip length and reimbursement.