BBVA Health Insurance for the self-employed

make sure your business is always healthy

  • Reduce waiting lists to start earning again as soon as possible.
  • We'll 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.

 

Now with a 50% discount during the first 3 months

When you take out the policy up to June 1, 2026

Get the support of your health insurance for freelancers

With comprehensive coverage so you can get back to work ASAP

  • Injuries and fractures

    Includes X-rays and MRIs for a precise diagnosis.

  • Pregnancy and gynecology

    Gynecological follow-up, pregnancy check-ups, ultrasounds, and childbirth at the center of your choice.

     

  • Check-ups and testing

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

  • Hospitalization

    If you need surgery, you'll have your own room during hospital stays.

     

  • Treatments

    Choose the medical center for the treatment you need, like oncology or radiotherapy.

     

  • Appointments with specialists

    Without going to primary care, get access to the specialists you need.

  • Doctor's visit

    24/7 video or telephone medical consultation in general medicine and pediatrics.

     

  • Pharmacy expenses

    We'll reimburse 50% of your pharmaceutical expenses, up to €200 per policyholder per year.

Our health insurance for self-employed workers includes medical appointments and specialists

You can choose from more than 58,000 professionals and 4,500 medical centers.

  • Psychology, up to 15 sessions per year per medical indication.
  • Podiatry, up to 12 sessions per year per medical indication.
  • Dentist, with over 65 services included. And if you need to extend your coverage, we can offer you up to 21% off.
  • A second medical opinion is included if a serious illness is detected.

And if you don't use our network of professionals, we will reimburse 80% of the cost of the consultation, up to €1,000 a year, a maximum of €80 per consultation.

With medical care tailored to your pace of work

With Health Insurance for Freelancers, we offer health insurance that is suited to your schedule and your mobility:

  • Medical appointments without waiting lists.
  • 24-hour emergency telephone.
  • 24-hour video consultations in general medicine, nursing, and pediatrics, as well as video consultations with specialists.
  • Ambulance service with no distance limit.
  • Emergencies while abroad covered up to €12,000 per year.

We take care of your health so you can continue with your life without interruptions

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

  • We will repay the cost of your insurance for up to 3 months and a maximum of €150.
  • We will send medication, up to 6 deliveries/year.
  • We offer a home testing service, up to two tests per insured person/year.
  • Physiotherapy service for therapies prescribed by your doctor as a result of an accident or illness, up to 10 sessions.

Personal income tax

  • Remember that you can deduct up to €500 of your self-employed health insurance from your income tax

    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.

  • Esencial Self-employed Health Insurance

    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.

    Copayment Limit: maximum €300/insured person/year.

    See Salud Esencial

  • THE MOST POPULAR

    Self-employed Health Insurance 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.

    Copayment Limit: maximum €300/insured person/year.

    See Salud with Co-payments

  • Self-employed Health Insurance with no co-payments

    All the basic coverage and extended coverage plus:

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

If you're a freelancer, and if not, calculate​ the price of your health insurance

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

Do you need more information about health insurance for the self-employed?

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