Advantages of Health Insurance Without Copay

When you arrive in Spain, choosing a health insurance company is one of the most important decisions you’ll need to make. While it is true that Spain prides itself on a wonderful public system, many people, especially foreigners, will choose to complement the public system with private health insurance. This could be for many reasons but two of the most common are that either 1) they are not yet eligible for healthcare under social security in Spain and need health insurance for visa and/or TIE purposes, or 2) they prefer a more convenient health care experience with access to specialists and lower wait times. 

Spain health insurances are always expected to be comprehensive and adapted to each family and each individual’s needs. You want to be able to take full advantage of the services it provides you. After all, the point of health insurance is to feel safe and protected if anything happens–having the knowledge and peace of mind that you will receive complete and specialized attention tailored to your needs whenever you need it.  In Spain, you often have two options to choose from: health insurance without copay or health insurance with copayments. 

The idea of a health insurance plan without copays is a foreign concept for people coming from different countries where healthcare is all privatized and much more expensive, for example in the United States. However, private health insurance in Spain is generally much more affordable and health insurance without copays in Spain offers numerous advantages that make it a highly attractive option for individuals seeking comprehensive and affordable healthcare coverage. The Spanish healthcare system is renowned for its quality and accessibility, and a copay-free insurance plan enhances these benefits further. In this article, we will explore some of the key advantages of health insurance without copay in Spain.

Caser Expat Insurance

Stability, safety, and comprehensiveness; the three pillars of good health insurance. This is why the health insurance provided by Caser is a good choice for you. Caser Insurance is one of the best for expats and has many advantages.  First and foremost being that it prides itself on Caser Expat Insurance, insurance plans tailored especially to people who, like you, have come to Spain from a foreign country to settle down. Secondly, it offers a variety of policies so you can choose the best product for your needs. Another important advantage you will find that Caser Health offers is extremely reduced co-payments, and in some plans, there are no co-payments at all!

Health Insurance without Copays

Other more complete insurance options are health insurance without copay, like Adapta + Dental, the copay-free insurance that is complemented with dental insurance, and Prestigio, the most comprehensive insurance, which covers everything you might need. The Adapta and Prestige insurances, being the former a more flexible insurance, and the latter the most complete coverage Caser Expat Insurances offers, have no co-payments at all, so you will never have extra payments with them! With both of these plans you can expect:

• Unlimited access to family doctor appointments and general medicine

• Unlimited access to medical specialty, with freedom to change doctors within the doctor catalogue anytime you need to seek a second opinion

• Transportation in ambulance included when required

• Unlimited access to diagnostic tests such as x-rays, MRIs, CAT scans, EKGs, etc, at no additional cost

• Unlimited hospitalisation with no limits on time spent in the hospital

• Comprehensive family planning coverage including pregnancy and postpartum care

• Emergency home visits

• 24 hour assistance

• Comprehensive dental insurance which completely covers over 40 procedures and discounts on many others

• Insurance coverage while abroad–you can travel freely knowing that Caser covers up to 15,000 euros for up to 90 days while you’re abroad.

These services only scratch the surface of everything that Caser’s health insurance plans offer–and when you choose Adapta or Prestigio, they’re included in your monthly plan and 100% free of additional costs. 

To get a full view of all of Caser’s health insurance plans and better decide which plan is the best for your personal needs, check out our health insurance comparing tool. You can also get a quote in less than one minute to see what your monthly rate would be with each plan.  

Health Insurance Plans with Copayments

If you are someone who uses medical services infrequently and would rather pay a smaller monthly payment with additional copays, one of Caser’s health insurance plans with copays could be for you. Firstly, you have the option of progressive co-payments in the Médica insurance, with which you will be able to combine your private health insurance with Social Security (Spain’s National Health Service); you can also find the progressive co-payments advantage in the Integral package, designed to be oriented to families and their every need.

Progressive co-payment in the Médica and Integral insurances means that the first 7 co-payments will be free for you, and you will only start paying co-payments if you need one of those services and only after you have used them seven times. 

What is a co-payment and when do I pay it?

A co-payment means that insured persons are responsible in part for  the cost of the services that are included in the plan. 

This involves a payment of a small amount by the insured person to make use of certain services, and that way, avoiding an increase in the generic cost of the premium for all customers who hold the same insurance, by assigning these amounts according to the individual use of each person.

Each time that you attend an appointment or undergo a test, you show your card and, depending on the insurance product you hold, they will charge your account on a monthly or quarterly basis for your part of the co-payment.

The centre or doctor will notify of your use, and the insurance company will invoice the assigned co-payment for each one of the services received. On some Caser products, the co-payment is limited to €395 so as to avoid penalising illness, and beyond this limit, the services will cost nothing further for the insured person.

Should I opt for insurance with or without copays?

Generally speaking a health insurance plan with copays could be a great match for someone who doesn’t need to use health care services often and would prefer paying a lower monthly rate and paying the copay for services as necessary. 

On the other hand, opting for a health care plan without copays provides several advantages:

1. Comprehensive Coverage: Copay-free health insurance plans in Spain typically offer comprehensive coverage for a wide range of medical services, including consultations, diagnostic tests, surgeries, hospitalizations, and prescription medications. This comprehensive coverage ensures that policyholders can receive the necessary medical care without worrying about cost barriers.

2. No Additional Charges: With health insurance without copay, policyholders are not burdened with additional charges for each medical service they receive. This means that they can visit doctors or specialists as often as needed, undergo medical tests, and receive treatments without incurring extra costs beyond the premium paid for the insurance policy.

3. Financial Peace of Mind: One of the main advantages of health insurance without copay is the financial peace of mind it offers. Medical expenses can be a burden on individuals and families, especially in the event of unexpected illnesses or emergencies. Copay-free insurance alleviates this burden by eliminating the need for patients to contribute financially for each healthcare service, ensuring that they can focus on their health and well-being without worrying about the cost.

In my personal experience as an expat for almost two decades, I would highly recommend opting for a plan without copays. The monthly payments are more than affordable and with it you get the peace of mind knowing that anything you may need is covered.

Remember, you can check the co-payments of each product by comparing them in Caser’s special comparer for expat health insurances. Or discover our free guide below: