Medical insurance with copayments

Adeslas Plena Vital is a healthcare insurance without any copayments that allows you to access medical, surgical, emergency and speciality care, as well as diagnostic resources and hospitalisation through an extensive roster of professionals and medical centres.

• Primary care: general medicine, paediatrics and nursing care.

• Emergencies at affiliated centres and at home.

• Medical-Surgical Specialities: Allergology, Digestive System, Cardiology, Surgeries, Obstetrics and Gynaecology, Ophthalmology, Medical Oncology and Radiotherapy, Otorhinolaryngology, Clinical Psychology, Rehabilitation, Internal Medicine, Orthopaedics, Urology, etc.

• Diagnostic resources: Clinical Analyses, General Radiology and High-Tech Diagnostic Resources, such as NMR, CT Scans, etc.

• Hospitalisation: Surgical, Medical, Paediatric, ICU, Psychiatric and Day Hospital.

• Implants and Surgical Prostheses: Pacemakers, Internal Orthopaedic Prostheses, Monofocal and Bifocal Lenses, etc.

• Special treatments: Speech Therapy and Phoniatrics, Laser Therapy, Chemotherapy and Radiation Oncology Therapy, Pain Treatment, etc.

• Bone Marrow and Corneal Transplants.

• Other supplementary coverage: Ambulances, Birth Preparation, Podology.

• Robotic surgery in urology and gynaecology with an excess of €6000, and in thoracic surgery with an excess of €8,000. Consult the eligibility requirements included in the General Terms and Conditions.

• Rehabilitation and physiotherapy reimbursements will amount to 50% up to a maximum of €500 per person a year.

• Podology reimbursements will amount to 50% up to a maximum of €200 per person a year.

• Travel assistance up to a limit of €12,000 per annual insurance premium.

• Refund of 50% on rehabilitation and physiotherapy expenses, up to a limit of €500 per insured party and insurance annuity.

• Refund of 50% on chiropody expenses, up to a limit of €200 per insured party and insurance annuity. 

Adeslas Full Vital offers you comprehensive coverage with limited copayments, which are ideal if you are looking for a low monthly premium. Furthermore, you will have the peace of mind of having a maximum annual limit of €300 per insured party. Copayments are adapted to the type of healthcare service or medical speciality. You therefore only pay for what you need.

The copayment amount varies depending on the different classes of healthcare services and/or medical specialities.

Immediately access all the medical tests and specialists included in your medical insurance without copayments, except those that have a specific waiting period in order to take advantage of their benefits, which may vary from three to eight months. View terms and conditions.

At Adeslas you will always have a doctor at your disposal and access to all digital health services so you can manage your health from anywhere at any time:

• Medical roster search engine and online appointments

• Digital card

• Online authorisations and reimbursements

• Digital medical appointments for primary care and specialisms.

• Tailored health plans

Access these and other health services in your Health Customer Area or on the app. Find out about all the services available to you here.

Some medical services require authorisation by Adeslas. Thus, if one of our medical professionals prescribes a medical test, you must submit the prescription to us so we can process its authorisation.

The tests which are subject to medical authorisation are as follows:

• Hospital admissions

• Medical tests

• Rehabilitation

• Clinical psychology

You can request your authorisations quickly and conveniently with a photo in your Health Customer Area. If you so prefer, you can also process your authorisations on the app.

Access a dental insurance conceived for your entire family for just €17.85* a month. You can now supplement your Adeslas FULL VITAL insurance with Adeslas Dental FAMILY insurance (optional).

Thus, you will have access to:

• Extensive dental roster comprised of over 1,600 odontologists.

• Extensive network of more than 190 Adeslas Dental Clinics.

With the Optima excess, you will save up to 50% on the price you would pay if you accessed the service without being insured by Adeslas.

*Monthly premium valid for a total of three to four insured parties until renewal once a 15% discount is applied when it is taken out with a health insurance policy.

• Health questionnaire

• May be taken out up to 70 years of age

• 10% discount as from the fourth insured party

• Payment method bonus

The Policyholder will pay for each service received the amount which, as a copayment, is stipulated in the Specific Terms and Conditions of their policy. For these purposes, the Insurer will periodically send the Policyholder a comprehensive statement of the services received by the Insured Parties included in the policy, together with the co-payments corresponding thereto. The total amount will be collected via direct debit from the bank account designated by the Policyholder to pay the insurance premium.

With a limited copayment health insurance policy, you will pay a small amount each time that you receive medical care, but with the peace of mind that these payments have a maximum limit each year. With the Adeslas Plena Vital insurance policy you have this type of copayments up to a limit of €300 per year.