Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
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    Experiences

    • Aggregation service

      Aggregation service

      If you're self-employed, you can now add your other banks to the BBVA app.

    • BBVA My Business

      BBVA My Business

      Manage your everyday business operations with ease on your cell phone.

    • BBVA Company aggregator

      BBVA Company aggregator

      All your business bank accounts in the same place with the aggregation service.

    Bienvenida Account for self-employed workers and companies

    New bank, zero fees on the usual services. Whether you are self-employed, an SME or a company, a new bank has many advantages.

    Zero fees for the first 12 months, extendable indefinitely depending on your company's turnover.

    More information
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      ADVERTISING
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      BBVA health insurance for self-employed workers

      If you get sick, make sure your business doesn't too

      • 86% of self-employed workers receive €375.10 less benefit on average than an employee. Reduce waiting lists to start earning again as soon as possible.
      • Absences during periods of sick leave can result in the loss of future customers. We help you set up a home office.
      • This insurance is deductible by up to €500 for Personal Income Tax purposes. That means you can recover up to €150 of your Self-Employed Health Insurance.
      Find out your price

      We take care of you so that you can get back to business as soon as possible

      • Illustration of a car and some tools

        Injuries and fractures

        Includes X-rays and MRIs for a precise diagnosis and a better and faster recovery.

         

      • Pregnancy and gynecology

        Standard gynecological exam, also during pregnancy, with ultrasound scans included, and delivery at the center of your choice.

         

      • Illustration of a car and a calendar

        Check-ups and testing

        Enjoy a flexible and personal service, with clinical testing and prevention programs included.
      • Illustration of a car and some tools

        Operations and hospitalization

        Speed things up when you need surgery, and ensure you have your own room during hospital stays.

         

      • Treatments

        Choose your medical center to receive treatment for illnesses: oncology, radiotherapy or the treatment you need.

         

      • Illustration of a car and a calendar

        Appointments with specialists

        Bypass primary care and get access to specialists in psychology, physiotherapy, pediatrics, eye health, gastroenterology, cardiology, dermatology, dentistry or speech therapy.
      Find out your price

      Includes medical appointments and sessions with specialists

      You can choose from more than 50,000 professionals and 4,200 medical centers.

      • Psychology, up to 15 sessions per year per medical indication.
      • Podiatry, up to 12 sessions per year per medical indication.
      • Physiotherapy at home if prescribed by a medical professional.
      • Dentist, with over 30 services included. And if you need to extend your coverage, we can offer you up to 21% off.
      • And since 60% of patients request a second medical opinion when they are diagnosed with a serious illness, this is included too.
      family in their living room

      With medical care tailored to your pace of work

      A self-employed worker works an average of 8.2 hours more hours a week than a salaried worker.

      We offer you a service that is suited to your schedule and your mobility:

      • Medical appointments without waiting lists.
      • 24-hour emergency telephone.
      • 24/7 video consultations in general medicine and pediatrics.
      • Video consultation with specialists.
      • Ambulance service with no distance limit.
      • Emergencies while abroad covered up to €12,000 per year.
      Find out your price
      family in their living room

      We help you to ensure that your health problems affect your work and home as little as possible

      Whenever you need immobilization at home or hospitalization for more than 72 hours:

      • We will pay you the price of the insurance payment for up to 3 months and a maximum of €200.
      • We visit you up to 15 days a month to take care of domestic tasks: cooking, cleaning, washing, ironing...
      • We support you in caring for your children under 16 years of age or with disabilities: accompanying your children home from school and offering home educational support.
      • We pay for 2 return taxi trips per week for your work-related tasks during the first two weeks.
      • We help you set up a home office with computer, telephone or remote assistance.
      • We will send you the medication you need and work mail to your home address up to 2 times a week during the first two weeks.
      family in their living room

      BluaU service

      Enjoy Sanitas' digital supplement to help you take care of your health and that of your loved ones.

      It includes:

      • Health monitoring with your tracker.
      • Vital sign readings.
      • Preventive healthcare, nutrition, training, pregnancy and child programs.
      • Video consultations with your usual doctors.
      • Home services such as home delivery of medicines and tests.
      • Psychology service for prevention and promotion of mental and emotional health.
      Find out your price
      family in their living room

      Personal income tax

      • Remember that you can deduct up to €500 of your insurance in your personal income tax return

        And up to €4,500 by adding your family's insurance policies.

        As a self-employed worker you can deduct every year:

        • Up to €500 of your Self-Employed Health Insurance.
        • Up to €500 of health insurance for every member of your family, such as your spouse or children under 25 years of age who continue to live in the family home.
        • Up to €1,500 of health insurance for every member of your family with a recognized disability.

        In the BBVA app, you will always have the policy and insurance bills available to help you deduct them from your Personal Income Tax return.

         

      Choose your price according to the co-payment method

      You will have the same coverage with any of the 3 options.
      • Salud Autónomos Esencial

        The lowest fee with one co-payment per session

        • First 3 sessions: €4 per session.
        • From 4 to 10 sessions: €7 per session.
        • From 11 to 15 sessions: €10 per session.
        • More than 15 sessions: €15 per session.

        With special prices for frequent services.

        See Salud Esencial

         

      • THE MOST POPULAR

        Salud Autónomos with co-payments

        6 sessions without copay included

        • First 6 sessions: €0 per session.
        • From 7 to 10 sessions: €4 per session.
        • From 11 to 15 sessions: €7 per session.
        • More than 15 sessions: €10 per session.

        With special prices for frequent services.

        See Salud with Co-payments

      • Salud Autónomos without co-payments

        All the basic coverage and extended coverage plus:

        • All the sessions you need: €0 per session.

         

      Have you decided?

      You will be able to pay your fee as you prefer: monthly, quarterly, half-yearly or yearly.

      Find out your price

      Would you like more information?

      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.

      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.

      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.

      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.

      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.

      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 01/31/2024, after which date it will be renewed annually, provided there are no changes in the conditions.

      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%.

      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

      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.

      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.
      Apply for Salud Autónomos Insurance
      Apply
      Offer valid during current month
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      2. Health Insurance for Self-Employed Workers
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      Banco Bilbao Vizcaya Argentaria S.A. 2023

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