Health Insurance for the Self-Employed

With Self-Employed Health Protection insurance, you have a comprehensive Sanitas health insurance plan with attractive advantages for being a Banco Sabadell customer.

Ask for a simulation tailored to your needs.

Choose the payment method that suits you best: monthly, quarterly or yearly.

Why choose Health Protection for the Self-Employed?

Because of the Sanitas medical directory

It has an extensive network of own network and affiliated medical facilities with medical, clinical and hospital services from Sanitas.

Comprehensive insurance

Surgery and hospitalisation coverage. What's more, it offers a 24-hour emergency service, both in Spain and abroad.

Because of its competitive rate for you and your family

Include your spouse and children under 26 who live with you.

Video consultations and digital services

Because you can have it all in the Sanitas app: a digital card, authorisations, medical reports, etc.

And remember…

As a self-employed individual you have tax advantages³. The insurance premiums paid for your own coverage and for your spouse and children under the age of 25 who live with you are considered a deductible expense when determining the net income in the direct estimate method used to calculate your personal income tax, with a limit of €500 per year for each insured person.

Benefits of Self-Employed Health Protection

24-hour emergency services. Both in Spain and abroad.
More than 50,000 medical professionals at your disposal with its own and affiliated centres with medical, clinical and hospital services from Sanitas.
Surgery and hospitalisation coverage.
Digital services to make life easier for the self-employed. For example, general medicine video consultations, paediatric care and 24 hour emergency care. And all without the need for an appointment.
Include your family in your policy for a competitive price.

Other optional coverage

Dental protection. More than 50 services included, such as preventive dentistry, surgeries, orthodontics, etc.
Sabadell bluaU. At home medical tests and reimbursement of pharmacy expenses, among many other services.
US coverage: The most comprehensive medical care at prestigious US hospitals.
University Clinic of Navarre⁴. Access to the prestigious Navarre University Clinic, to both its centres in Pamplona and in Madrid.

And what does Sabadell bluaU² include?

Digital diagnostics. Biomarkers measured with facial recognition.
Digital dermatological diagnoses. Performed through an Artificial Intelligence system.
Take care of your mind. Digital psychological service.
Monitor your health. Through our devices.
Blood testing at home. Available twice a year per insured person.
Pharmacy reimbursement. Request the reimbursement for 50% on your medicines (up to €200/year).

Choose the payment method that suits you best

WITHOUT co-payment: so you don't have to worry about paying any additional charge to use your health insurance.
WITH co-payment: from €3.50 for each medical appointment and €9 for psychology appointments.
With reimbursement: you can go to any professional and/or medical facility outside the Sanitas medical directory, with the same scope of insured coverage as in the medical directory, and will be reimbursed up to 80% with a maximum of €200,000 per person per year (with the sub-limits established in the policy), in Spain and abroad.

Insurance subject to the conditions, coverage, insured amounts, limits and exclusions established under the general and specific conditions of the policy.

1. Free video consultation applicable to all individual and self-employed policyholders of the Sabadell Health Protection products, which will include video consultation for all medical specialities that can be attended in this way and will be included in the policy during its entire validity period unless otherwise communicated by Sanitas.

Promotional offer not applicable to group policies. New insured party: a new insured party is someone who has not been insured under another Sanitas policy in the 1 year immediately prior to the date of activating the new policy.

2. Optional coverage from Sabadell BluaU.

3. In the case of self-employed individuals who are under the direct estimate scheme, health insurance can be deducted in the personal income tax return in accordance with the terms and conditions set forth in the legislation. Tax advantages do not apply in Guipúzcoa, Vizcaya or Álava.

4. Coverage not available for residents in Cantabria, Navarra and La Rioja.

Health Protection is a product from the insurance company Sanitas, S. A. de Seguros and BanSabadell Seguros Generales, S. A. de Seguros y Reaseguros as co-insurers, each participating 50% in the co-insurance.

Sanitas Sociedad Anónima de Seguros, tax ID A28037042 and registered offices at C/ Ribera del Loira, 52, 28042 Madrid, Spain, is registered in the Mercantile Register of Madrid and the Insurance Companies Register of the General Directorate of Insurance and Pension Funds under code C-320.

BanSabadell Seguros Generales, Sociedad Anónima de Seguros y Reaseguro with Tax ID no. A64194590 and its registered offices at C/ Isabel Colbrand, 22, 28050 Madrid, Spain, registered with the Mercantile Register of Madrid and the Insurance Companies Register of the General Directorate of Insurance and Pension Funds under code C-0767.

Insurance mediated by BanSabadell Mediación, Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell S.A. ("BanSabadell Mediación") and marketed through the network of Banco de Sabadell S.A., entity with which it has signed a distribution network services contract. BanSabadell Mediación is domiciled at Avenida Oscar Esplá, 37, Alicante, Tax ID A03424223, and is registered in the Mercantile Registry of Alicante and in the Administrative Register of Insurance and Reinsurance Distributors of the DGSFP under code no. OV-0004, acting for Sanitas Sociedad Anónima de Seguros, having taken out a civil liability insurance policy in accordance with the provisions of the regulations governing the distribution of private insurance and reinsurance in effect at any given time.

You can view the insurance companies with which BanSabadell Mediación has signed an insurance agency contract at www.bancosabadell.com/bsmediacion.