What exactly does co-payment involve?

By paying a small amount when using medical services. This is a good option if you do not make frequent trips to the doctor, but want to be covered.

How do I manage the policy?

If are already a BBVA Self-Employed Health Insurance customer, you can manage your policy with the BBVA Health app and what is at your fingertips wherever you are, or on the My Sanitas - BBVA Health website, by registering and going to the Customer Area to manage your policy and your health. You can also call 901 100 210 for any queries.

What does Sanitas Dental 21 cover?

With Sanitas Dental 21 you can enjoy more than 30 services across all dental specialties. They include: Preventative dentistry. Surgery. Conservative dentistry. Endodontics. Cosmetic dentistry. Pediatric dentistry. Prosthesis. Periodontology. Orthodontics. Implantology. Diagnostic imaging. Temporomandibular joint disorder.

When does coverage begin and end?

The insurance contract is annual and will come into force at midnight on the contracted start date. It will renew automatically each year, unless the policyholder or insurer indicate otherwise.

When and how do I make payments?

The insurance premium is annual, but it can be paid on a monthly, quarterly, biannual or annual basis. Payment is taken through direct debit from your bank account. You can also group your insurance payments with BBVA Plan EstarSeguro and save on your bills.

What do I need to enroll in the BBVA Plan EstarSeguro?

To enjoy the BBVA Plan EstarSeguro, you need to sign up for the BBVA Plan EstarSeguro card, free of interest charges, fees or extra costs. Credit card subject to approval by BBVA. The BBVA Plan EstarSeguro card can only be used to pay the premiums of certain insurance policies. Offer valid until 06/30/2022. For a transaction of 600 euros payable in 12 months at a nominal annual interest of 0%, the total amount payable would be 600 euros in monthly payments of 50 euros each; the resulting APR, annual percentage rate, will be 0% .

Insurance product information document

By law, we have to provide you with a standard insurance product information document to help you understand the main features. Self-Employed Health Insurance without co-payments : open document Self-employed Health Insurance with copayments : open document Essential Self-employed Health Insurance : open document

Who is the intermediary?

BBVA MEDIACIÓN, OPERADOR DE BANCA-SEGUROS VINCULADO, S.A. listed in the Administrative Register of Insurance Brokers of the Directorate-General for Insurance and Pension Funds under code OV-0060. It has an approved public liability insurance policy.

Who is the insurance company?

BBVA Salud: product underwritten in equal parts by BBVASeguros, S.A. de Seguros y Reaseguros and Sanitas, S.A. de Seguros. Both companies registered in the Registry of the Directorate-General for Insurance and Pension Funds under number C-0502 and C-320, respectively.

BBVA health insurance for self-employed workers

A policy to suit your needs and those of your business

You can count on the Sanitas medical team.

Over 50,000 professionals and 4,200 medical centers at your disposal.
Healthcare, diagnostic tests and hospital stays.
24-hour emergency service.

Coverage Included

Basic Coverage
Primary healthcare.

Medical specialties (gynecology, pediatrics, cardiology).

Diagnostic tests (laboratory tests, x-rays, ultrasounds, MRIs, etc.)

Assistance during pregnancy and childbirth.

Surgery.

Hospitalization.

Treatment methods (oncology, radiotherapy, physiotherapy).

Prosthesis: no financial limit.

Dental coverage: more than 30 services included, with an average discount of 21% on other treatments.

Second medical opinion.

Emergencies abroad: €12,000 a year.

Chiropody: 12 sessions.

Psychology: 15 sessions.

Logophoniatric treatment.

Prevention programs.

24-hour emergency telephone.

Ambulance: unlimited distance.

24/7 video consultations (*)

Video consultation and digital health programs (*)

(*) For registrations from April 1, 2022.

Specific coverage for self-employed workers

Coverage included for self-employed workers
Total Protection

Assistance that guarantees the policyholder all the necessary assistance if immobilized at home or in a hospital for at least 72 hours.

Payment protection: Compensation for the amount equivalent to the current monthly payment of the health insurance bill.

At-home therapist: Help with the care of minor children and basic domestic chores, such as cleaning, washing and ironing, preparing meals, etc.

Mobility guarantee: Taxi service so you can go to work and do work-related tasks during the first two weeks of your immobilization.

Home office: Remote or telephone computer assistance to set up a home office.

Childcare:

Travel of a family member to care for children.

Travel of the policyholder's children to a relative's home.

Accompaniment of the policyholder's children from home to school and vice versa.

Home tutoring

Physiotherapy service: For therapies that have been prescribed by your doctor
as a result of an accident or illness.

Home delivery of medicines and mail.

Coverage for traffic and occupational accidents

Health care in the event of a traffic or occupational accident or work-related illness.

See services and exclusion periods

Choose the most suitable option

Depending on your needs, you can choose between*:

BBVA Salud Autónomos Esencial: with the same coverage as BBVA Salud Autónomos, but with a lower monthly payment and a higher copayment. (i).

See co-payments table

BBVA Salud Autónomos with copayments: you pay nothing for the first 6 services in any year.

BBVA Salud Autónomos with no copayments: intended for people that do not want to make any additional payments when using medical services. (i).

See co-payments table

*The coverage of the 3 products is the same, the only difference being the copayment method.

(i) Copayment: with this system, you pay a minimum amount whenever you use a medical service in general, provided it is covered by the insurance policy. These expenses are included in your monthly bill at the end of each quarter.

You can manage your appointments or find any information you need in the Sanitas app.

What are the requirements?

Requirements
Be aged between 0 and 75 years old. There is no upper age limit for its expiry.

Fill in a simple medical questionnaire and conduct a medical interview by phone or a medical examination, if necessary.

Do you want to expand your insurance?

Digital bluaU supplements
Video consultation service with doctors in every specialty, home services and reimbursements.

And now, with much more!

Online diagnostic tests thanks to the use of facial imaging to measure vital signs.

Instant digital consultation.

Connected Health in 5 specific profiles: weight control, asthma, arrhythmias or palpitations, pre-natal care and monitoring of people diagnosed with COVID-19.

Digital prevention program.

See optional supplements

And you can add

Optional coverage
Access to the prestigious Clínica Universidad de Navarra, a highly specialized hospital.

Reimbursement of 50% of pharmaceutical expenses, limited to €200 per policyholder per year (Reimbursement supplements).

Reimbursement of Pediatrics, Gynecology and Obstetrics consultations if outside the Sanitas medical network (enhanced dental coverage).

Coverage in the USA from Olympus

Student Supplements.

See coverage details

Tax benefits

In addition to all the advantages offered by BBVA's Salud Autónomos Insurance, you will also be eligible for tax advantages. You can deduct your insurance premium, your spouse's premium and the premium of children under 25 who live with you, up to a maximum of €500 for each one.

See legal conditions