|
since 2/2000
accident insurance Spain
agencia vinculada de seguros
boat and golf insurance in Spain
business insurance in Spain
car
insurance in Spain
Commercial Premises insurance - Spain
Community Insurance 'Comunidad' - Spain
Company
Platinum - health plan for employees in Latin America and the
Caribbean
Contact ...
"couples"
Customers
from the UK
dental and medical insurance plans
English insurance agent in Spain
España
¿Estudiando
en otro país?
expatriate insurance
health insurance Bulgaria
health insurance Cyprus
health insurance Czech Republic
health insurance France
health insurance Germany
health insurance Italy
health insurance Poland
health insurance Portugal
health insurance Spain
health
insurance UK
house
insurance Spain
insurance Barcelona seguros
insurance Madrid seguros
insurance Valencia seguros
international health, medical and travel insurance cover
international travel insurance
life
insurance in Spain
Mainly health plans SL
Maritime plan - international health cover (crew only)
Oil and Gas Industry - health insurance
Patrocinadores -
América Latina y
el Caribe
Sanitas Exterior -
100% hospital and outpatient reimbursement
health insurance costs for employees working in 190 countries
(when company is based in Spain!)
Seguro
de viaje
Some clients...
Spain
Teachers - international health cover (Spain)
traducciones juradas (sworn translations)
translations y traducciones
Travel insurance
turismo rural tourism
welcome to Spain!
Worldwide Health
Options
world
travel insurance
| |
www.e-agentelocaldeseguros.com
Information about the product (
Contact me / ¿Cómo ponerse
en contacto conmigo?
Contact
/ contacto ... )
This product has been created for non-Spanish residents in
Spain, over 60, who spend at least 6 months a year in Spain. There are 2
versions of this product. The other one is described below (see table)
Details:
The policyholder will be covered 100% of the cost using the Sanitas network and
will receive a refund of 70% of the cost of non-Sanitas providers in Spain and
other countries.
Cover,
waiting period etc...
Cost (Spain - except other
regions - 'Oro Reembolso'): (
Rest of Spain - plus
taxes)
(Discount of 4% for annual payment and 2% for 6 monthly
payment)
S- Reimbursement without franchise
- Limits (2005)
REIMBURSEMENT
PERCENTAGE OF MEDICAL EXPENSES WITH SANITAS ORO REEMBOLSO
(Non-franchise
modality)
Recommended
services in
Spain
100%
Services
in
Spain
(outside recommended services) and overseas
70%
CONTRACTED
GUARANTEES
INSURED CAPITAL
(per year and person insured)
|
|
TOTAL
|
OVERSEAS
|
|
|
Pesetas
|
Euros
|
Pesetas
|
Euros
|
|
OVERALL
LIMIT
|
15,000,000
|
90,151.82
|
5,000,000
|
30,050.61
|
A.
Hospital Treatment
|
12,000,000
|
72,121.45
|
4,000,000
|
24,040.48
|
B.
Non-Hospital Treatment
|
3,000,000
|
18,030.36
|
1,000,000
|
6,010.12
|
CONTRACTED GUARANTEES – PARTIAL LIMITS
|
AMOUNT
INSURED
|
|
PESETAS
|
EUROS
|
A.
HOSPITAL TREATMENT
|
|
|
A.1.
In-patient
(total per day)
|
32,000
|
192.32
|
A.2.
UVI/ICU (per
day)
|
53,000
|
318.54
|
A.3.
Medical fees per procedure (including
surgeon, assistant and anesthetist fees)
|
e
|
e
|
|
-
Minor and outpatient surgery (Group 0,
OMC classification) (total per operation)
|
50,000
|
300.51
|
|
-
Minor and outpatient surgery (Group 1,
OMC classification) (total per operation)
|
60,000
|
360.61
|
|
-
Minor and outpatient surgery (Group 2,
OMC classification) (total per operation)
|
75,000
|
450,76
|
|
-
media surgery (Group 3, OMC
classification) (total per operation)
|
250,000
|
1,502,53
|
|
-
media surgery (Group 4, OMC
classification) (total per operation)
|
350,000
|
2,103.54
|
|
-
Major surgery (Group 5, OMC
classification) (total per operation)
|
450,000
|
2,704.55
|
|
-
Major surgery (Group 6, OMC
classification) (total per operation)
|
550,000
|
3,305.57
|
|
-
Major surgery (Group 7, OMC
classification) (total per operation)
|
650,000
|
3,906,58
|
|
-
Grand surgery (Group 5, OMC
classification) (total per operation)
|
900,000
|
5,409,11
|
A.4.
Brain sterotaxic surgery
(all costs included) (total per year and policyholder)
|
1,000,000
|
6,010.12
|
A.5.
Medical fees for consultation (total
per day)
|
15,000
|
90.15
|
B.
NON HOSPITAL
TREATMENT
|
PESETAS
|
EUROS
|
B.1.
Medical consultation:
|
|
|
|
Primary
healthcare (total per consultation)
|
7,000
|
42.07
|
|
Specialised
healthcare (total per consultation)
|
15,000
|
90.15
|
B.2.
Ambulance
(total per policyholder and year)
|
100,000
|
601,01
|
B.3.
Dentistry (only
extractions, cures and dental cleaning) (total per policyholder and year)
|
40,000
|
240.40
|
B.4.
Special domiciliary care and domiciliary
services
|
150,000
|
901.52
|
B.5.
Chiropody (unlimited)
|
|
|
B.6.
Diagnostic tests (total
per policyholder and year)
|
150,000
|
901.52
|
|
Clinical
analysis (total per procedure)
|
10,000
|
60.10
|
|
Clinical
analysis (total per policyholder and year)
|
25,000
|
150.25
|
|
Conventional
radiology (total per procedure)
|
10,000
|
60.10
|
|
Conventional
radiology (total per policyholder and year)
|
25,000
|
150.25
|
|
Ecography
(total per procedure)
|
8,000
|
48.08
|
|
Ecography
(total per policyholder and year)
|
20,000
|
120.20
|
|
Bilateral
Mammography (total per procedure)
|
10,000
|
60.10
|
|
Bilateral
Mammography (total per policyholder and year)
|
10,000
|
60.10
|
Bilateral CAT scan (total per procedure)
|
16,000
|
96.16
|
Bilateral CAT scan (total per policyholder and year)
|
32,000
|
192.32
|
Bilateral NMR (total per procedure)
|
30,000
|
180.30
|
Bilateral NMR (total per policyholder and year)
|
60,000
|
360.61
|
|
Densitometry
(total per procedure)
|
12,000
|
72.12
|
|
Densitometry
(total per policyholder and year)
|
12,000
|
72.12
|
|
Holter
(total per procedure)
|
15,000
|
90.15
|
|
Holter
(total per policyholder and year)
|
30,000
|
180.30
|
|
Ergometry
(total per procedure)
|
10,000
|
60.10
|
|
Ergometry
(total per policyholder and year)
|
20,000
|
120.20
|
|
Echocardiogram
(total per procedure)
|
10,000
|
60.10
|
|
Echocardiogram
(total per policyholder and year)
|
20,000
|
120.20
|
B.7.
Special treatments
|
|
|
|
Linear
accelerator (total per policyholder and year)
|
300,000
|
1,803.04
|
|
Cobalt
bomb (total per policyholder and year)
|
200,000
|
1,202.02
|
|
Chemotherapy
(total per policyholder and year)
|
300,000
|
1,803.04
|
|
Renal
Lithotripsy (total per policyholder and year)
|
160,000
|
961.62
|
|
Dialysis
(all included) (total per procedure)
|
16,000
|
96.16
|
C.
REHABILITATION
(total per policyholder and year)
|
100,000
|
601.01
|
|
§
For psychiatry, “A” and “B”
guarantees will have a global maximum limit of Ptas 150,000 / € 901.52
per year and policyholder and the maximum period for psychiatric hospitali
sa
tion will be 50 days per policyholder a year
- Diagnostic
tests, special domiciliary care and chiropody included in guarantee
“B” will exclusively be undertaken via the medical services
recommended by the Insurer whenever these services are provided in
Spain
- Expenditure
originated by the policyholder for the use of medical and/or hospital
services in
Spain
which have been recommended by the Insurer will
not be taken into consideration to calculate the insured capital limit
set forth under this Policy
- Should
the Insurer not pay the hospital expenditure described in guarantee
“A”, the Insurer would pay a subsidy of Ptas 12,500 / € 75.13
per each day in hospital with a maximum limit of 90 days per
policyholder and year (this subsidy does not apply to psychiatric
hospitali
sa
tion). (Rough translation)
|
General
rules (Sanitas Oro Reembolso)
Contact
/ contacto ...
Sanitas
updates - actualizaciones referentes a su seguro médico...
General
rules (Sanitas Oro Reembolso)
General Rules of Use
(Sanitas Oro Reembolso) Special
rules (Sanitas Oro Reembolso)
Services recommended
by Sanitas in Spain (Sanitas Oro Reembolso)
Claims procedure (Sanitas Oro Reembolso)
Primary care and specialist consultations (Sanitas Oro Reembolso)
Home visits by primary care physicians (Sanitas Oro Reembolso)
Prescriptions (this doesn't refer to medicines) (Sanitas Oro Reembolso)
Exempt services (No prior authorisation
needed) (Sanitas Oro Reembolso)
Non-exempt services
(requiring Sanitas authorisation) (Sanitas Oro Reembolso)
Special services (Sanitas Oro Reembolso)
Hospitalisation (Sanitas Oro Reembolso)
Home emergencies (Sanitas Oro Reembolso)
Preventive medicine programmes (Sanitas Oro Reembolso)
Supplementary care for travel abroad (Sanitas Oro Reembolso)
David
Harris ('Mainly Health Plans') English / Spanish after-sales support ...
accident insurance /
Boating insurance (jet skis, sailing and motor boats) /
Business insurance (churches, clinics, factories, schools, shows, Town Halls,
warehouses, workshops (chemical products, leather, metal, paper or cardboard,
plastic or rubber, textile) /
Car insurance (including foreign number plates/registrations, top of the range
or Classic cars) /
Caravan insurance /
Civil liability insurance eg trades, hairdressers, academies, bars, restaurants,
tourist guides, monitors, shows) /
Commercial Premises insurance
(amusement arcades and one-armed bandits, bars, beauty salons, cafes, cake
shops, chemists, clubs, discos, florists, fruit shops, gift shops, gyms, health
shops, hairdressers, international 'phone call shops, ironmongers, jewellers*,
newsagents, opticians, restaurants, sex-shops, shoe shops, stationery shops,
street cafés, supermarkets, telephone shops*, travel agencies,) /
Financial planning ideas for expats - and how to save money in Spain ... /
Funeral insurance /
Golf insurance /
health
and
dental
insurance
plans /
Health insurance offers eg SMEs, catering, shops /
Home insurance (as an owner or tenant) /
Horse insurance /
Hunting insurance /
Insurance for Building Companies /
Insurance for Electrical Equipment /
Insurance for Haulage Companies /
Insurance for Companies selling or renting equipment /
International health insurance (transfer your Sanitas rights both ways) /
Life insurance (protect your family if you die or become disabled) /
Machinery Breakdown Insurance /
Maritime insurance (crews only) /
Mobile insurance - checklists adapted to your mobile screen... /
Mortgage repayment life insurance (it may be cheaper to replace your current
mortgage repayment life insurance, eg people in Spain working with/in/on/at:)
(
animals /
aviation /
building sector /
Civil protection and police /
countryside, vets /
factories or mines /
home makers or parks /
hospitals, consulting rooms, clinics /
logistics and transport /
office workers /
press or mass media /
sales reps /
ships, wharfs, at sea /
shop workers, SMEs, cars, hotels /
shows and culture /
training, unemployed, retired ) /
Motorbike-motorcycle insurance /
Office insurance /
Responsabilidad Civil - PYMEs, fundaciones, asociaciones... /
Returning to the UK from abroad? (you may not be covered by the NHS for 6
months) /
Seguro contra daños (RC) /
Seguro de amortización, por ejemplo personas que trabajan con/en: (
animales /
aviación /
barcos, muelles, alta mar /
campo y veterinarios /
casa o cuidando parques /
construcción /
en la calle /
espectáculos y cultura /
fábricas o minas /
formación, desempleados, jubilados /
hospitales, consultas, clínicas /
logística y transporte /
oficinas /
prensa o medios de comunicación /
protección civil y policía /
tiendas, pymes, bares, hoteles ) /
Seguro de automoción (talleres de automóviles, mecánico, eléctrico, chapa y
pintura, estaciones de servicio, túneles de lavado, garajes, concesionarios (con
o sin talleres de reparación de vehículos) /
Seguro de Comercio (agencias de viajes, bares, cafeterías, charcuterías, clubes,
discotecas, farmacias, ferreterías, floristerías, fruterías, gimnasios,
joyerías*, locutorios telefónicos, ópticas, papelerías, pastelerías,
peluquerías, quioscos (periódicos, freidurías y bares en la vía pública),
relojerías*, restaurantes, salones de belleza, salones recreativos, sex-shops,
supermercados, tiendas de calzado, tiendas de productos dietéticos, tiendas de
regalos, tiendas de teléfonos*, tragaperras, traperías y desperdicios ) /
Seguro de Comunidades /
Seguro de decesos /
Seguro de empresas (almacenes, ayuntamientos, clínicas, espectáculos, escuelas,
fábricas, iglesias, talleres metalúrgicas / textil / cuero / plásticos y goma /
papel y cartón / productos químicos) /
seguros agrarios /
Seguros
para casas rurales, hoteles, fondas, pensiones, complejos turísticos / insurance
for rural houses, hotels, guest houses, bed and breakfast, tourist resorts
/
seguros para transportistas / transport road haulage insurance /
seguros pecuarios - para su ganado ovino, bovino, caprino y aviar /insurance for
sheep, cows, goats, poultry /
Shop insurance /
Travel insurance - visa compliant eg for US students, tourists or business
trips, includes dangerous areas, professions and sports / (..主要健康计划......),
Zahn- und Krankenversicherung in Spanien wenn Sie den Versicherungsantrag und
die allgemeinen Bedingungen auf Deutsch möchten ...
and more insurance products!
Some clients...
life
insurance in Spain
Contact
/ contacto ...
Seguros diseñados para
clínicas / insurance for
clinics
... (Inicio...)
Información, solicitud de alta / information, application form ...
Health insurance offers via an English agent: eg for opticians, self-employed,
small and medium sized companies in Spain (SMEs), catering, sports, shops
If your business doesn't compete with my
activities,
I am willing to work with my insurance clients to publish their publicity in
my websites
- for our mutual benefit ...
/
Si Vd contrata un
seguro conmigo, y no es de mi competencia, puede anunciarse en alguna de mis
páginas web...
|