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32,000 healthcare professionals, 450 hospitals and health centres, and more than 150 US hospitals which we hope you never need to use

Healthcare policy: the best protection possible, even when you're abroad.
Seguro de asistencia sanitaria

Direct access to specialists

You'll be able to access the specialist you need directly from Mapfre's extensive and highly prestigious medical team.

Diagnostic tests without delay and treatments without waiting lists

If you're prescribed a test, it's best to get it done as soon as possible. And if you need surgery, better sooner rather than later.

Two types for you to choose from. You decide

  • Healthcare Plus
    With co-payment.
  • Healthcare Supra
    Without co-payment.


See Cover Cover

Healthcare Plus insurance cover

Guarantee summary

  • Primary care.
  • Hospitalisation.
  • Second diagnosis and access to the hospital network in the US.
  • Diagnosis of infertility and assisted reproduction (48 months grace period).
  • Domestic and international adoption.
  • Emergency medical care abroad.
  • Specialist care.
  • Organ transplants.
  • Prostheses and implants.
  • Psychotherapy.
  • Osteopathy.
  • Chiropody.
  • Biomechanical study of walking.
  • Cryopreservation of umbilical cord stem cells.
  • Dental guarantee.
  • Over-the-phone medical guidance.
  • Psychological counselling.
  • Paediatric counselling.
  • Preventive and rehabilitation medicine, such as family planning, childbirth preparation, healthy child programmes, early diagnosis of diabetes and breast, gynaecological, coronary and prostate diseases, etc.
  • Health channel.

Value added services

  • Complementary medicine: acupuncture, homeopathy and natural medicine.
  • Refractive surgery for myopia, astigmatism and hyperopia.
  • Genetic obesity profile.
  • Gastric balloon.
  • Personalised home-help services.
  • Access to the University Clinic of Navarra.
  • Blood screening test for colon cancer.
  • Enhanced neonatal screening.
  • Discounts at aesthetic medicine and beauty treatment centres.
  • Special prices in spas and thermal treatments.
  • Benefits in day centres, residences and other services for MAPFRE senior citizens.

See Terms and conditions Terms and conditions

Healthcare Insurance terms and conditions

The Healthcare insurance offered by Mapfre and marketed by Bankinter is available to people living in Spain who are under 65 years of age.

Children under 2 years old must be part of a policy that includes their father, mother or guardian to be insured.


How does Healthcare insurance differ from reimbursement insurance?

With Healthcare insurance, the insured can choose professionals of all specialties and medical centres from a medical guide without having to make any payments, except for any services that have an excess.

Reimbursement insurance allows the insured to choose the professional or centre freely, with the insured paying for the care they receive first.

When do I have to register a newborn child?

The newly-born children of the insured person will be included in the policy from the moment of their birth in identical conditions to those contracted by the insured person, not counting any grace periods other than those that were applicable to them and providing that the following requirements are met:

  • That the inclusion of the newborn in the policy is requested within 10 business days from the date of birth by completing the application form.
  • The insured (father or mother) joined at least 8 months prior to the birth.
  • If these requirements are not met, the inclusion of the newborn will be subject to the insurance company's acceptance and contracting conditions, and the corresponding grace periods and exclusions may apply. If the newborn has any disease or congenital malformation, Mapfre guarantees their acceptance, conditional on registration of the father or mother eight months prior to the birth.

Can grace periods be revised?

Yes, but only if the insured had contracted a health insurance policy. Grace periods shall be respected, except for the expenses of pregnancy, childbirth, abortion, study and treatment of fertility treatment and adoption. Membership must be applied for within 60 days of withdrawal from the previous entity, and a copy of the terms and conditions or health card, as well as the last bill paid, must be provided.

The waving of grace periods does not imply the acceptance of any ailment, illness or accident prior to contracting or of a congenital nature.

What does access to the US hospital network include?

The administration needed for treatment of the insured person in a hospital in the US, with access to a wide network selected by the insurance company in that country, as well as reimbursement to the insured of 60% of the medical and hospital expenses arising from that treatment.

What is the Gran Cobertura (Great Cover) guarantee?

This guarantee is an exclusive additional guarantee for reimbursement insurance. It consists of an increase in the maximum reimbursement limit per insured person up to € 727,664.27 in 2019, which can be extended every year. Every year, this amount will be reduced for each insured person by any amounts consumed, updating the remainder at the rate of the CPI. Great Cover will start to apply for each insured person once the limits for hospital and outpatient expenses have been consumed.

In the case of use of the US hospital network, the insured persons who contract this guarantee will have 100% coverage. The Great Cover supplementary guarantee will only remain in place until the age of 70.

If I am outside Spain for part of the year, how does the insurance protect me abroad?

Mapfre Asistencia covers all travel outside national territory, providing the trip lasts less than 90 consecutive days. It includes emergency expenses for medical, surgical and hospital care in the case of illness or accident, with a limit of €12,000. There is an excess of €15.02 per claim. Emergency dental services are covered up to €120.20.

It also includes transfers, repatriation of injured persons and their family members, accompaniment of minors and handicapped persons, as well as transfers using healthcare transport in national territory, when more than 20 km from home.

What is covered by the basic dental guarantee?

It includes a treatment proposal, annual mouth clean, and simple dental x-rays and extractions at no charge. You can extend this cover by arranging the optional dental supplement, with no grace period and no pre-authorisation. The basic dental guarantee is included in all formats at no cost.

What is the national and international adoption guarantee?

It includes reimbursement of expenses arising from activities relating to adoption, up to a total of €12,000. The insured person must have been registered for at least 48 months before they can request the start of this procedure.

This guarantee is included in the policy at no additional cost when full coverage is contracted through Healthcare and Reimbursement insurance.

What does the 24-hour medical assistance service include?

This service is staffed 24-hours a day by a team of doctors who are ready to answer questions relating to illnesses, prevention, treatment, use of medication and understanding reports and diagnoses.

What does the cryopreservation of umbilical cord stem cells (SCU) coverage include?

If it provides assistance for the delivery, the insurance company will also cover cryopreservation services for stem cells obtained from the baby's umbilical-cord blood. The guarantee covers the material needed for collecting the sample, and its processing, storage and maintenance in a cell bank for up to 20 years.

This guarantee is included in all formats at no cost.

What is the early diagnosis programme for breast disease and what does it include?

This programme is aimed at women with a history of breast disease or a family history of breast cancer. The programme includes: analysis of the risk of the insured person, and consultation and examination by a specialist, and breast ultrasound and mammography, if any risk is detected.

What is it the early diagnosis programme for gynecological issues and what does it include?

This programme is aimed at women who suffer genital infections, who have experienced menstrual changes, who have a family history of gynaecological cancer, who suffer from diabetes, hypertension or obesity, or who smoke. The programme includes: analysis of the risk of the insured person, and consultation and examination by a specialist, colposcopy and vaginal cytology, ultrasound, specific analysis and clinical report with diagnosis, risk assessment and recommendations.

What is the early diagnosis programme for heart disease and what does it include?

This programme is primarily aimed at men and women over forty with high cholesterol, high blood pressure, diabetes, obesity, a sedentary lifestyle or who are smokers, or who have a family history of coronary heart disease. It includes specialist consultation, an electrocardiogram, stress test, specific tests, a clinical report with diagnosis, a risk assessment and recommendations.

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