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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BBVA Health insurance for SMEs and companies
A policy to suit your needs and those of your business
You can count on the Sanitas medical team.
- Over 45,000 professionals and 4,200 medical centers at your disposal.
- Healthcare, diagnostic tests and hospital stays.
- 24-hour emergency service.
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What does it cover?
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Basic cover
- Comprehensive healthcare with access to a medical staff with more than 50,000 professionals and 4,200 centers centers throughout Spain.
- Outpatient assistant.
- Hospital care.
- 50% refund of pharmaceutical costs, up to €200 per policyholder/year.
- Dental.
- Healthcare in the US
- Coverage of temporary disability for the manager.
- Emergency assistance abroad up to €10,000 per person and claim.
- Comprehensive healthcare with access to a medical staff with more than 50,000 professionals and 4,200 centers centers throughout Spain.
What other services do we offer?
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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.
- 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 among three health insurance options depending on your needs:
- Salud Pymes 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).
- Salud Pymes 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.
- Salud Pymes Reimbursement: includes the same coverage as Salud Pymes and you are also refunded up to 80% of your yearly medical expenses that are not included in the coverage chart. The yearly maximum amount repayable is €150,000.
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, your employees must be between 0 and 75; in the case of BBVA Health SMEs Reimbursement, between 0 and 64 years.
- 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.
Do you want to expand your insurance?
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Digital bluaU supplements
Video consultation service with doctors in every medical 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.
Tax benefits
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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.
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 does not include additional copayments for medical services. The premium is the same for both genders and all insurable age ranges.Yes. Employees who take out health insurance can deduct premium payments up to €500 per person per 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 Health SMEs: open document
BBVA Health SMEs Reimbursement: open documentBBVA 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 will be charged an annual premium, paid monthly, that will depend on the option you purchase and the number of individuals insured.
- For policies with 1 policyholder: If you choose bluaU, the premium will be €10/month, €13/month for bluaU Healthy Mind and €14/month if you prefer bluaU Premium
- For policies with 2 or more policyholders: If you choose bluaU, the premium will be €20/month, €26/month for bluaU Healthy Mind and €28/month if you prefer bluaU Premium
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BBVA Allianz D&O SME:
- Confront any lawsuits that can jeopardize your personal assets as a director or officer.
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BBVA Allianz Cyber:- Protect your business against computer attacks.
- Professional and legal advice.
- Compensation if data is lost or stolen.
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What does it cover?
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Basic cover
- Primary care.
- Emergencies.
- Hospitalization.
- Surgery.
- Medical specialties.
- Diagnostic tests.
- Distinguishing coverage elements: transplants, telephone psychologist service.
- Special home-based healthcare.
- Ambulance.
- 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.).
- Primary care.
This insurance does not include additional co-payments.
What other services do we offer?
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Optional services
- Optional bluaU digital supplements. See options.
- 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.
- Cosmetic and assisted reproduction treatments at highly competitive prices for your employees.
- 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 benefits
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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.
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.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.
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.
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BBVA Allianz D&O SME:
- Confront any lawsuits that can jeopardize your personal assets as a director or officer.
-
Discover the BBVA Company Aggregator
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