Complete health insurance: full cover, zero copayments

What is complete health insurance?

Complete health insurance is a comprehensive health plan that does away with copayments: you pay a fixed monthly premium and get all the cover with no extra charge per appointment, test or procedure. It's the preferred option for anyone who values predictable costs and the reassurance of being covered whatever comes up.

These plans give you direct access to Spain's leading private hospitals and to a wide medical network covering every speciality.

What does complete cover include?

Core cover (no copayment)

• Unlimited primary care: GP appointments with no restrictions and no extra cost.
• Every medical speciality: From dermatology to neurosurgery, taking in cardiology, orthopaedics, ophthalmology and anything else.
• Full diagnostic tests: Blood tests, X-rays, ultrasound, MRI, CT, PET and any test your doctor considers necessary.
• Full hospital cover: Admission in a private room at leading private hospitals.
• Surgery: Procedures covered at no extra cost, including complex ones.
• 24-hour A&E: Urgent and emergency care at any centre in the network.
• Maternity: Pregnancy monitoring, birth and postnatal care at private centres.
• Mental health: Psychology and psychiatry appointments with a generous number of sessions.
• Rehabilitation: Physiotherapy and rehabilitation included.
• Telemedicine: Online consultations available 24/7.

Common extras

• Second medical opinion: Consult another specialist to confirm a diagnosis or treatment.
• Prevention programmes: Full annual health checks.
• Prostheses and technical aids: Cover for necessary surgical prostheses.
• Ambulance: Emergency medical transport.
• Nationwide cover: Access to the care network across the whole of Spain.

What's usually not included

• Reimbursement of costs outside the network (that comes with premium plans)
• Full dental cover (available as an add-on module)
• International healthcare
• Experimental or unrecognised treatments
• Non-reconstructive cosmetic surgery

Who is complete cover right for?

People who see a doctor often

If you need regular specialist appointments or periodic diagnostic tests, a plan with no copayments works out cheaper than paying a copayment for every visit.

Families

Full cover combined with no copayments is especially valuable for families with children, where doctor visits tend to be frequent.

People with chronic conditions

If you need ongoing medical follow-up, regular medication or frequent diagnostic tests, having no copayments means real savings.

Anyone who values predictability

With complete cover you know exactly what you'll pay each month. No surprises, no variable costs.

Advantages of complete cover

• Zero copayments: You pay nothing extra to use the medical services included.
• Top-tier hospital network: Access to the best private hospitals in Spain.
• Wide medical network: Thousands of professionals across every speciality.
• No waiting lists: Specialist appointments in days, not months.
• Predictable spending: A fixed monthly premium with no variable costs.
• Comprehensive cover: From a simple appointment to a complex procedure.

Complete versus essential

Aspect	Essential	Complete
Copayments	Moderate	None
Hospital network	Wide	Wide + leading hospitals
Specialities	All	All
Hospital stays	With copayment	No copayment
Major surgery	Included	Included
Maternity	Varies	Included
Monthly price	From €60	From €81
Total cost with frequent use	Variable	Fixed

Things to bear in mind

• The monthly premium is higher than on plans with copayments.
• You need to use the centres and professionals in the network (there's no reimbursement).
• Waiting periods are usually 6 to 8 months for surgery and maternity.
• Full dental cover usually needs an extra module.

Frequently asked questions

Are there really no copayments at all? That's right. On complete cover with no copayments, everything included in the policy is provided at no extra cost. You'd only pay for services not included in your plan.

Can I choose any hospital I want? You can choose from every hospital and clinic in your plan's medical network. That network is usually very wide and includes the main private centres in your province.

Is it worth paying more for a complete plan? If you see a doctor more than 5-6 times a year or have recurring health needs, the savings on copayments can more than make up for the difference in premium. On top of that, you get the peace of mind of not having to work out costs.