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
Go to main content
Home of BBVA for Businesses
  • People
  • Self-employed professionals and businesses
  • Become a customer
  • Access Access Access
  • Menu Close
Click enter
Suggestions
    Products
    Home
    • Accounts
    • Cash Management
    • Financing
    • POS terminal
    • Collected
    • Cards
    • Insurance
    • Endorsements
    • Trade finance
    • Renting
    • Public Sector
    Branches and ATMs
    BBVA Newsroom
    • Español
    • Català
    • English
    • Galego
    • Euskara
    Individuals Self-employed people and companies
    • Home
    • Accounts
    • Cash Management
    • Financing
    • POS terminal
    • Collected
    • Cards
    • Insurance
    • Endorsements
    • Trade finance
    • Renting
    • Public Sector
    Click enter
    Suggestions

      Experiences

      • Aggregation service

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

      • BBVA My Business

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

      • BBVA Company aggregator

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

      Accounts for self-employed workers and companies

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

      No fees for the first 12 months for new registrations of self-employed workers or companies with a turnover of more than 5 million euros.

      More information
      Branches and ATMs BBVA Newsroom
      Access Access Access
      • Español
      • Català
      • English
      • Galego
      • Euskara
      Become a customer
      ADVERTISING
      MM/DD/YYYY

      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.
      Calculate insurance

      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.
         
        1. Payment protection: Compensation for the amount equivalent to the current monthly payment of the health insurance bill.
        2. At-home therapist: Help with the care of minor children and basic domestic chores, such as cleaning, washing and ironing, preparing meals, etc.
        3. Mobility guarantee: Taxi service so you can go to work and do work-related tasks during the first two weeks of your immobilization.
        4. Home office: Remote or telephone computer assistance to set up a home office.
        5. Childcare:
          1. Travel of a family member to care for children.
          2. Travel of the policyholder's children to a relative's home.
          3. Accompaniment of the policyholder's children from home to school and vice versa.
          4. Home tutoring
        6. Physiotherapy service: For therapies that have been prescribed by your doctor
          as a result of an accident or illness.
        7. 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

      BBVA Health Insurance for Self-employed Workers and Companies

      Calculate insurance

      With the BBVA Plan EstarSeguro, you can make convenient monthly payments and save if you include more policies.

      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 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%.

      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.

      You might also be interested in

      • BBVA Allianz Autónomos Sick Leave (ILT) Insurance

        • Keep your income when you can't work.
        • Know in advance how much you will receive.
        • Additional benefit for hospitalization.
        More information Apply
      • Civil Liability Insurance

        BBVA Allianz CL SME:

        • Cover indemnities and legal defense costs
        • Protects against possible third-party claims.
        • Coverage tailored to your professional activity.
        More information Apply
      • Salud Activa Digital SME Insurance

        Ample digital coverage to give you medical coverage without having to travel.
        More information Apply
      See more insurance plans

      Be a BBVA customer.

      • At BBVA, we offer a wide range of insurance products for protecting both you and your business.
      • We are working to make your life a little easier with our digital solutions.
      • Our approach is based on transparency, clarity and responsibility.

      Your other banks

      Add your other banks to the BBVA app.

      View the status of your accounts, cards, recent transactions, pension plans, etc., with the BBVA app aggregation service.
      More information
      Apply for Salud Autónomos Insurance
      Apply
      Offer valid during current month
      1. Insurance
      2. Health Insurance for Self-Employed Workers
      Footer
      • More BBVA

        • Experts in companies
        • Responsible business
        • Shareholders
        • BBVA Research
        • Jobs at BBVA
        • Network of BBVA agents
        • Corporate site
        • BBVA Pivot
      • The latest

        • BBVA Company aggregator
        • Financial aggregator for self-employed workers
          BBVA My Business
        • ICO COVID-19 Facilities
        • Online Negocios Loan
        • Negocios Account
        • Online Credit Account
        • Negocios Credit Card
        • Insurance for companies
      • Calculators and simulators

        • Loan Simulator
        • Car loan calculator
        • Mortgage calculator
        • IBAN calculator
          Salary calculator
          Gasoline cost calculator
          BBVA Valora
          BBVA Invest
      • Utilities

        Branches and ATMs

        Online Business Banking

        Finances at a glance

        Economic dictionary

        Apps

      BBVA logo
      Legal notice
      Cookies
      Personal data
      Statutory reports
      Payment services
      Fees
      Notice board
      Responsible business
      • Español
      • Català
      • English
      • Galego
      • Euskara

      Banco Bilbao Vizcaya Argentaria S.A. 2022

      Creating Opportunities