BBVA medical leave insurance

You can calculate the compensation based on a pre-determined scale. This scale specifies the days of compensation depending on the medical condition and the coverage amount.

The insurance provides no coverage for the first 7 days. This is already accounted for in the scale. The excess is the number of days from the date of the accident during which the insurer will not pay any compensation in the event of an accident.

The BBVA Medical Leave insurance is an annual policy, even if paid in installments. If you don't want to renew it, you have to inform us at least one month before the policy expiration date.

You can pay the premium on a monthly, quarterly, half-yearly, or annual basis,
provided that the minimum bill amount is €50. There is no surcharge for paying in installments.

It is calculated based on your age, profession and type of insurance chosen.

 

• There is a 6-month waiting period from the effective date of the policy in the event of temporary disability or hospitalization.
• A waiting period of 12 months is applied from the effective date of the policy for incapacity to work due to illness, processes required to treat slipped discs, lumbago, dorsalgia and cervical pain, (all those not expressly excluded in the policy).
• For risks during childbirth, a 12-month waiting period will be applied from the date the policy takes effect.

 

There are no grace periods in the event of an accident.

This is the time interval during which the insurance cover has no effect.

You can find out more about the main features of BBVA Medical Leave Insurance here. Regulations require us to provide you with an information product information document. Therefore, please read the following datasheet which provides detailed insurance information.

BBVA Medical Leave Insurance: open document

 

BBVA Seguros, S.A. de Seguros y Reaseguros, registered in the Registry of the Directorate-General for Insurance and Pension Funds under number C-0502.

BBVA Mediación, Operador de Banca Seguros Vinculados, S.A., company listed in the Special Administrative Register of Insurance Brokers of the General Directorate of Insurance and Pension Funds, with number OV-0060. With Civil Liability Insurance arranged and sufficient financial resources.