What does Adeslas PLENA VITAL include?
With Adeslas Plena Vital, you will have complete coverage and access to an extensive network of medical professionals, hospitals, clinics, and diagnostic services.
The largest Healthcare Provider List
More than 51,000 professionals and more than 1,400 centres
Full coverage
Coverage in general medicine, emergencies and hospital admission.
Pregnancy
Pregnancy and paediatric coverage.
Cheapest premium
With copayments limited to €300 / insured party.
HOW MUCH DOES HEALTH INSURANCE COST?
Calculate what you would pay for your Adeslas PLENA VITAL health insurance.
Coverage
Personalised care in a wide range of specialisms:
- Primary care: general medicine, paediatrics and nursing service
- Emergencies
- Medical surgical specialisms
- Preventive medicine
- Diagnostic means, including those involving high technology: scan-directed prostatic biopsy through the merger of images
- Hospitalisation
- Surgical implants and prostheses: fixation bands for stress incontinence
- Special treatments
- Human organ, tissue and cell transplants
- Birth preparation
- Chiropody
- Speech therapy
- IUD, includes the fitting cost and the device
- Maternal serum fetal DNA test
- Refund coverage of 50%, up to €500 of the medical expenses of the rehabilitation and physiotherapy specialisms.
- Refund coverage of 50%, up to €200 of the medical expenses in chiropody. Further information
- Travel assistance up to a limit of €12,000 per insurance annuity
- Robotic surgery for prostate cancer and kidney cancer. Included with an excess payment of €6,000 for the cases that comply with the criteria required
Copayments
The amounts paid to access certain services, enabling you to balance your monthly insurance instalments.
The amount of the co-payment varies according to the different types of health services and/or medical specialisms.
The co-payments are limited to a maximum annual amount of €300 per insured party per year.
Qualifying periods
All services provide immediate access, except those with a certain qualifying period to be able to enjoy their benefits, which may vary between three and eight months. See conditions.
Authorisations
Some medical services require authorisation by Adeslas. Hence, if one of our medical professionals prescribes any medical test for you, you must send us the corresponding prescription so that we can manage your authorisation.
The tests that are subject to medical authorisation are as follows:
- Hospital admission
- Medical tests
- Rehabilitation
- Clinical psychology
You can obtain your authorisations quickly and comfortably with a photo through your Customer Area. If you prefer, you can also obtain your authorisations from the Adeslas Salud y Bienestar App
Dental insurance
Adeslas Dental FAMILIA (optional)
Furthermore, for only €17,85* per month, you can access the dental insurance thought out for your whole family.
- Extensive Dental Care Provider System comprising over 1,600 odontologists.
- Extensive network of over 185 Adeslas Dental Clinics.
- With the Optimum Discount service, you will save up to 50% of the price that you would pay if you accessed the service without being an insured party of Adeslas.
* Monthly premium valid for a total of three-four insured parties until renewal, once the 15% discount has been applied on taking it out with a health insurance policy.
Insurance documentation
- Consult the General Terms and Conditions
- Consult the Fact Sheet
- Consult the Preliminary Information Document (IPID)
Are you a customer? Access your health services
With Adeslas, you will always have a doctor at your disposal and access to all digital health services so that you can manage your health at any time from any place:
- Healthcare provider list search function and option to request your appointment online
- Digital card
- Online authorisations and refunds
- Video-appointments and tele-appointments
- General, paediatric and psycho-emotional medical advice
- Personalised health programmes
Access these and other healthcare services through your Customer Area or from the Adeslas Salud y Bienestar App
Discover all the services available to you here
Are you looking for another type of health insurance?
Find among our private health insurance the option that best suits you. If you are looking for other health insurance options you can choose Adeslas GO, an insurance without previous questionnaires, Adeslas PLUS without co-payments or deficiencies or Plena TOTAL, a complete health insurance with dental insurance included.
DO YOU NEED HELP WITH YOUR INSURANCE?
We solve all your doubts related to your insurance procedures or procedures. In addition, we put at your disposal a wide network of commercial attention offices to resolve your doubts in person. Find yours here
Frequently Asked Questions
1.- What is the difference between health insurance with co-payment or without co-payment?
The main difference between health insurance with a co-pay and without a co-pay is how you share the cost of medical care with the insurer. With co-pay insurance, you pay a specific amount each time you use a medical service. In contrast, with insurance without a co-pay, you pay nothing out-of-pocket when you receive medical care in exchange for a higher premium.
2.- What are the types of co-payments?
The types of copayment vary depending on the insurance contracted and depend on the monthly premium paid and its coverage. That is, the lower the premium, the higher the copayment amount. Therefore, at Adeslas, we offer the following copayments to customers who want complete coverage by paying a lower premium:
- Reduced: with Adeslas PLENA
- Limited: with Adeslas PLENA VITAL.
3-. Do the coverage options change between a copayment and a non-copayment insurance?
Generally, the essential healthcare coverage does not change between a copayment and a non-copayment insurance. Both types of insurances typically offer a wide range of medical services and treatments. The main difference lies in how you share the costs of those services.
4.- How are copayments paid?
Copayments are paid directly to the healthcare provider at the time you receive the service. Typically, they can be paid with cash, credit or debit card, or any other payment method accepted by the provider. The copayment amount may vary depending on the service and will be indicated on the insurance card or in the documentation provided by your insurer.