The contract term is annual. It will renew automatically on an annual basis, unless the policyholder or the Insurer indicates otherwise. There is not a maximum age to terminate the insurance.
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Health Insurance for SMEs, companies and employees
Health Insurance adapted to the needs of your business and your employees
A medical insurance for companies and employees with the confidence of the Sanitas medical team.
- More than 58,000 professionals and 4,500 medical centers at your disposal.
- Healthcare, diagnostic tests and hospital stays.
- 24-hour emergency service.
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What does this insurance cover?
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Basic cover
- Comprehensive healthcare with access to a medical staff with more than 58,000 professionals and 4,500 centers centers throughout Spain.
- Outpatient assistant.
- Hospital care.
- 50% refund of pharmaceutical costs, up to €200 per insured/year.
- Dental.
- Healthcare in the US
- Emergency assistance abroad up to €20,000 per person and claim.
- Health care in the event of a traffic or occupational accident or work-related illness.
- 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.
- Take care of your mental health: Digital psychology service for prevention and care of mental health.
- Check your health: digital service promoting preventive healthcare, with a general check-up consisting of the following tests: Facial analysis for metabolic risks (hypertension, type II diabetes, hypercholesterolemia, hypertriglyceridemia), hearing, cardiovascular, dermatology and psychological assessment.
- Digital physiotherapy.
Optional Sanitas supplementHome pharmacy and services:- Reimbursement for pharmaceutical expenses: 50% with a limit of up to €300 per insured/year.
- Delivery of medication: 6 deliveries per insured/year.
- Home blood tests: 2 per insured/year.
- Home physiotherapy: 6 sessions per insured/year.
- Comprehensive healthcare with access to a medical staff with more than 58,000 professionals and 4,500 centers centers throughout Spain.
What other services are offered to employees?
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Services included
- 24-hour video consultation service. You can get in touch without a prior appointment for a routine consultation or emergency.
- Medical advice programs: psychology, nutrition, personal health advice, personal training, mother-child program, child health program, pelvic floor program, stop smoking program.
- Home delivery of medications from the pharmacy at no cost to the employee (up to 6/year).
- Family assistance for the insured person in the event of their hospitalization or being home-bound due to illness.
- Second medical opinion.
- Video consultation specialists: with all medical specialties by appointment.
- 24-hour video consultation service. You can get in touch without a prior appointment for a routine consultation or emergency.
You can manage your appointments or find any information you need in the Sanitas app.
Choose the most suitable option
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You can choose from two kinds of health insurance, according to your needs:
- SME Health Insurance With Copayment: complete healthcare through the Sanitas network, in which you pay a small amount whenever you use a medical service that is included in the insurance policy. The employee will make co-payments from the third service (the co-payment is sliding on a per-use scale and limited to €300/year per person).
- SME Health Insurance Without Copayment: complete healthcare through the Sanitas network, without having to pay every time you use a medical service that is included in the insurance policy.
Reimbursement coverage (€150,000) may be taken out as an optional supplement and with risk underwriting.
What are the requirements?
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Requirements
- Be an SME with a minimum of 5 insured persons. We offer a reduced price when you take out policies for more than 15 people.
- The insured person must be a company employee. You may include family members in the insurance if you wish.
- To take out BBVA Salud Pymes, the insured party must be between 0 and 75 years of age.
- You will need to complete a simple health questionnaire and, if necessary, we will perform a telephone medical assessment.
- Be an SME with a minimum of 5 insured persons. We offer a reduced price when you take out policies for more than 15 people.
Tax advantages for companies
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SMEs and companies subject to corporate tax may deduct 100% of their employees' health insurance expenses as a company expense on their corporate tax return. It will thus be deducted from the profits obtained by the company.
Apply for BBVA Health Insurance for self-employed workers and companies
Would you like more information?
BBVA health insurance is paid for on a monthly, quarterly, biannual or annual basis through direct debt from the business's account.This insurance has two options:
- Salud Pymes Without Copayments
- Salud Pymes With Copayments
- From 0 to 3 services: €0
- From 4 to 9 services: €4
- From 10 to 15 services: €8
- More than 16 services: €12
- Co-payment for commonly used services*: €12
- Dental copayment: €3
*Commonly used services: Prenatal classes, Physiotherapy (10 sessions), ventilation and aerosol therapy (15 sessions), other respiratory therapies (Oxygen, BPAP and CPAP) 30 days.
NOTE: Copayment limited to €300/year per insured.Yes. Employees of companies that take out this health insurance can deduct premiums of up to €500 per person/year.The insurance amount is deductible from corporate income tax if the conditions established in tax legislation are met (the company's employee health insurance expenses can be fully deducted as a welfare benefit in the corporate income tax return).View the cost of the insurance premium according to the option chosen.Only in the event of childbirth, for 8 months.Here you can find out more about the main features of the BBVA Salud Pymes Insurance. The law requires us to provide a standard document with information on the insurance, so we are making available this sheet with more specific information so you can understand its characteristics.
BBVA Salud Pymes with Copayments: open document
BBVA Salud Pymes without Copayments: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.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
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BBVA Allianz Cyber:- Protect your business against computer attacks.
- Professional and legal advice.
- Compensation if data is lost or stolen.
Take advantage of a 30% discount on the total insurance price now.
For new policies that go into effect from April 1 to December 31, 2025. Ask at your branch.
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What does this insurance cover?
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Basic cover
- Primary care.
- Emergencies.
- Hospitalization.
- Surgery.
- Medical specialties.
- Diagnostic tests.
- Distinguishing coverage elements: transplants, telephone psychologist service.
- Sanitas Dental 21 dental coverage: it allows you to access a wide range of dental services and enjoy coverages with special prices, subject to excess.
- Sanitas 24 hours: emergency hotline.
- Therapies.
- Get a second medical opinion from leading specialists worldwide in the event of serious chronic illnesses.
- Emergency assistance abroad up to €12,000 per insured person per year.
- Sanitas Wellcome: 24/7 hotline to expedite processes (authorizations, appointments, etc.).
- Digital Physio.
- Check your health.
- Take care of your mental health.
- Measurement of vital signs via facial imaging.
- Digital health programs.
- Online doctor.
- Primary care.
This insurance does not include additional co-payments.
What other services are offered to employees?
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Optional services
- Student Supplements: intended for young people between 10 and 35 years of age who are going to study abroad.
- University of Navarra service.
- Get back 50% of pharmaceutical expenses, limited to €200 per policyholder per year.
- Coverage in the USA.
- Reimbursement Services.
- Traffic and Occupational Accident Guarantee.
- Eye care: get back 50% of eyewear expenses (up to €600 per insured person per year).
- Family Assistance.
- Superior dental coverage.
What are the requirements?
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Requirements
- You must be aged between 0 and 75 years old.
- You must fill in a health questionnaire.
- You must be aged between 0 and 75 years old.
Tax advantages for companies
-
SMEs and companies subject to corporate tax may deduct 100% of their employees' health insurance expenses as a company expense on their corporate tax return. It will thus be deducted from the profits obtained by the company.
Apply for BBVA Health Insurance for self-employed workers and companies
Would you like more information?
BBVA health insurance is paid for on a monthly, quarterly, biannual or annual basis through direct debt from the business's account.Sanitas Dental 21 is an insurance product that lets you access the 46+ dental services that are included in the policy, and capped prices for all the other treatments, with an average discount of 21% compared to the average market price.
Dental services included in the insurance policy, among others, are:
- Preventive dentistry: Exploration and diagnosis, oral hygiene.
- Pediatric dentistry: Oral hygiene, study of bacterial plaque, temporary tooth extraction, and others.
- X-rays.
- Extractions.
No. All consultations and tests for your employees are free of charge.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 the insurer indicate otherwise.Discover the main features of BBVA Business Health Insurance. The law requires us to provide a standard document with information on the insurance, so we are making available this sheet with more specific information so you can understand its characteristics.
Business Health Insurance: open documentYou might also be interested in
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Directors and Executives Civil Liability Insurance
BBVA Allianz D&O:
- Confront any lawsuits that can jeopardize your personal assets as a director or officer.
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Discover the BBVA Company Aggregator
Add and manage all your business bank accounts in one place.
Manage all your accounts, make better decisions, and save time for your business.
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