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Why take out health insurance with futurseguros?
Because health comes first and at futurseguros we can offer you the private health insurance that suits you and your family’s needs.
Advantages of private health insurance:
- Avoid waiting lists: Make an appointment with a specialist directly by phone or online. We offer teleassistance and free choice of medical centre.
- 24-hour assistance: Because health cannot wait. Ideal if you have a business or can’t adapt to public healthcare timetables.
- Pay only for what you need: Tailor your insurance to your needs. We offer special policies for families, the self-employed, young people and more economical options with or without co-payment. Choose your payment method, from monthly to annual.
- Hospitalization in our own centres: We have 18 of our own centres and the most comprehensive medical directory. We always offer a second medical opinion for surgical interventions or illnesses and use the most advanced medical equipment and techniques.
- Travel assistance: Your health insurance is international and covers you if you have an accident or illness abroad while you are travelling.
- Tax advantages for the self-employed and companies: Your health insurance has important tax advantages if you are self-employed or have a company.
What does private health insurance cover?
Emergencies: Immediate medical care in emergency situations.
Healthcare: Access to a wide network of medical professionals and health centres.
Primary medicine, specialized medicine and pediatrics: Comprehensive care for all ages, from periodic check-ups to specialized care.
Treatments: Coverage for a variety of medical treatments and therapies.
Hospitalization: Care and accommodation in hospital during illness or after surgery.
Sick transfer: Ambulance services for safe and efficient transfers.
Preventive medicine: Early detection and disease prevention services.
Dental Coverage: Dental care to keep your smile healthy.
Rehabilitation: Rehabilitation services to help you recover after an injury or illness.
Preguntas frecuentes
Key health insurance terms you need to know
- Co-pay health insurance: This type of insurance requires you to pay a fee to use a health insurance service.
- Health insurance with no co-payment: With this insurance, you do not have to pay anything to use the services of the health insurance.
- Health insurance with a waiting period: This insurance requires a waiting period (indicated in the policy) before some services can be used. They cannot be used from day one.
- Health insurance with no waiting period: This insurance allows the use of services from the first day.
- Health insurance with pre-existence: If the insured has a diagnosed pathology before taking out the health insurance, the company usually excludes everything related to that pathology from the insurance coverage.
Why do companies buy health insurance?
Corporate health insurance offers significant tax benefits. Both the self-employed and companies can take advantage of these benefits:
1.Self-employed: The self-employed can deduct up to 500 euros on their health insurance.
2.Companies: Companies can deduct up to 100% of their employees’ group health insurance.
3.Employees: For employees, the health insurance paid by the company is exempt from their employment income up to 500 euros..
What to consider when taking out health insurance?
At FuturSeguros, we recommend taking into account the following factors when taking out private health insurance:
- Reputable company: It is always advisable to take out health insurance with a reputable company that has a good health care network.
- Local medical directory: It is good practice to check your local medical directory and available facilities.
- Existence of co-payments: You should consider whether the insurance has co-payments, i.e. whether you have to pay an amount of money to use a health insurance service.
- Waiting periods: It is important to check if the insurance has waiting periods, during which you cannot use some services from day one.
- Limitations: You should also be aware of limitations, such as the number of visits to a specialist.