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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.

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

    • 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.

       

    • Check-ups and testing

      Enjoy a flexible and personal service, with clinical testing and prevention programs included.

    • 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.

       

    • Appointments with specialists

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

    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.

    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

    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.

    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

    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?

    Apply for Salud Autónomos Insurance
    Apply