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A medical protection insurance for your healthcare procedures

With the Santander Aegon Health Insurance you will gain peace of mind, you will have access to a medical staff of more than 39,000 doctors and more than 1,000 centres.

What does this medical insurance cover?

HEALTH INSURANCE FOR INDIVIDUALS

Santander Aegon Health Insurance for individuals provides the coverages and guarantees to protect your health and that of your loved ones. Choose the one that best suits your needs and those of your family:

  • Santander Aegon Salud Básico. Gain access to consultations and tests without hospitalisation, with the best price from our range thanks to a copayment system.
  • Santander Aegon Salud Cuadro Médico. Receive complete medical assistance with access to cutting-edge techniques, hospitalisation and the possibility of choosing the best centres in Spain.
  • Santander Aegon Salud reembolso. Freely choose the doctor or centre to go to in Spain or abroad outside the agreed medical staff and we will refund 80% of your medical bills up to €150,000 per insured person per year.

Check the more detailed characteristics of these three types of health insurance in the following table:


SANTANDER AEGON SALUD BÁSICO
As a complement to the national health service
SANTANDER AEGON SALUD CUADRO MÉDICO
Great insurance at a good price
SANTANDER AEGON SALUD REEMBOLSO
Freedom to go to any doctor
Copayment x x
Consultations and test
Diagnostic test.
Medical specialities.
Hospitalisation and emergencies
Hospitalisation and surgeries.
Surgical specialities.
Outpatient and hospital emergencies.

Maternity.





x





Only delivery preparation and amniocentesis.







Additional guarantees
Travel assistance.
Second medical opinion.
Physiotherapy.
Preventive medicine.
Psychology.
Family planning.

Tratamiento de infertilidad.










x


And also
Refund of expenses.
Dental.

x
Optional

x

Optional

Opcional

SELF-EMPLOYED HEALTH INSURANCE

Santander Aegon Health Insurance has an option designed for self-employed workers, so that you have the latest coverage and guarantees1 available to protect your health, your family’s and that of your employees.

  SANTANDER AEGON SALUD AUTÓNOMOS CUADRO MÉDICO SANTANDER AEGON SALUD AUTÓNOMOS REEMBOLSO
Consultations and tests
Primary medicine
Diagnostic tests
Medical specialities
Hospitalisation and emergencies
Hospitalisation and surgeries.
Surgical specialities.
Outpatient and hospital emergencies.
Maternity
Additional guarantees
Travel assistance.
Second medical opinion.
Physiotherapy.
Preventive medicine.
Psychology.
Family planning.
Infertility treatment.
And also
Refund of expenses
Dental

x

Optional

x

Optional

How to arrange cover

For more information or to take out the Santander Aegon Health Insurance, visit your nearest Banco Santander branch or, if you prefer, contact us on 915 123 123 so that we can answer all your questions.

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If you are a customer, click here and calculate your insurance.

Common questions about this insurance

What is a grace period? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

It is the period of time, counted from the entry into force of the policy, during which the Insured is not entitled to the benefits derived from the insurance for certain specialities.

What is copayment? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

In addition to the insurance premium, the Policyholder must pay the copayment amounts detailed in the policy. These amounts are applicable for each visit, consultation, test or intervention carried out on the Insured as a consequence of the use of the coverages included in this Policy.

You will only have copayment on the Santander Aegon Salud Básico product. With Santander Aegon Salud Cuadro Médico and Reembolso, you will not have to pay any type of copayment for the use of services (both for individuals and self-employed workers).

Can I choose the medical centre I want to go to? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

With Santander Aegon Salud you will be able to choose from a wide national medical team of more than 39,000 professionals and 1,000 healthcare centres.

From when can I use my health insurance? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

From the moment it is taken out, except for those benefits that have a grace period, for which it will be necessary to wait until the end of the grace period.

Do I have dental coverage? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

Optionally, Santander Aegon Salud offers the possibility of contracting dental coverage for just €3 more per month per insured party.

Dental coverage gives access to more than 27,000 professionals, more than 2,300 dental clinics and more than 58 free procedures.

Can I split the payment? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

Yes, monthly, quarterly and half-yearly. There are also discounts depending on the payment method: 6% discount on annual premium, 4% discount on half-yearly premium and 2% discount on quarterly premium.

Do I have coverage throughout Spain? And abroad? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

Yes, with Santander Aegon Salud you have access to a large national medical team of more than 39,000 professionals and 1,000 clinics.

Abroad, you have Travel Assistance coverage that covers up to a limit of €15,000/year and includes loss of luggage and missed flight. If you take out the Santander Aegon Salud Reembolso product, you can request a reimbursement in the case of international healthcare (both for individuals and self-employed persons).

Are there tax advantages1 when taking out the Santander Aegon Salud Autónomos health insurance? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

In the direct estimate method, the payment of health insurance premiums is a deductible expense in the part corresponding to the policyholder's coverage and that of his spouse and children under the age of 25 who live with him/her, up to a limit of €500 per person.

Find out more más

If you are a customer, click here and calculate your insurance.

Preguntas frecuentes

    What is a grace period? What is copayment?

Santander Aegon Health Insurance

Icon / check Created with Sketch. Take out adapted products, even if you are self-employed

Icon / check Created with Sketch. You will have access to more than 39,000 doctors to look after your health

Icon / check Created with Sketch. Gain agility and speed in your medical procedures.

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