Health Insurance for the Self-Employed
Take care of yourself with Health Protection for the Self-Employed, a health insurance policy especially for self-employed individuals
Such as the video consultation service for all specialities or the at-home physiotherapy service.
A company that is always at the forefront of the best medical equipment to offer you comprehensive health insurance.
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.
Because of its competitive rate for you and your family
Include your spouse and children under 26 who live with you.
Because of its digital services
Because you can have it all in the Sanitas app: a digital card, authorisations, medical reports, etc.
As a self-employed individual you have tax advantages2. 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.
1. Those applications for Self-Employed Health Protection Insurance taken out between 17 April, and that have an effective date between 1/05/2023 and 1/07/2023 will be considered as part of this campaign. They will benefit from a discount on the policy on the net premium per annum in effect for 3 years, subject to the renewal and term of the policy in that period (non-automatic renewal). The discounts to be applied are: 15% on the premium in effect in 2023, 10% on the premium in effect in 2024 and 5% on the premium in effect in 2025.
2. In the case of self-employed individuals who are under the direct estimate method, health insurance can be deducted in the personal income tax return. Tax advantages do not apply in Guipúzcoa, Vizcaya or Álava.
3. Coverage not available for residents in Cantabria, Navarra and La Rioja.
Insurance subject to the conditions, coverage, insured amounts, limits and exclusions established under the General and Specific Conditions of the policy.
The Self-Employed Health Protection is a product of Sanitas, S. A. de Seguros insurer and BanSabadell Seguros Generales, S. A. de Seguros y Reaseguros as co-insurers, each of which participates 50% in the co-insurance, with Sanitas acting as the lead insurer. Sanitas S.A. de Seguros, with Spanish Tax ID Number A28037042 and registered offices at C/ Ribera del Loira, 52, 28042 Madrid, Spain, registered with the Madrid Mercantile Registry and the Register of Insurance Companies of the General Directorate of Insurance and Pension Funds under number C-320. BanSabadell Seguros Generales, Sociedad Anónima de Seguros y Reaseguros with Tax ID No. A64194590 and registered offices at calle Isabel Colbrand, number 22, 28050 Zaragoza, Spain, registered in the Mercantile Register of Zaragoza and in the Register of Insurance Companies of the General Directorate of Insurance and Pension Funds with code C-0767.
Insurance brokered 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., with which it has signed a contract for the provision of network distribution services. BanSabadell Mediación is domiciled at Avenida Oscar Esplá, 37, Alicante, Tax ID no. A03424223, and is registered in the Mercantile Register of Alicante and the Administrative Register of Insurance and Reinsurance Distributors and in the DGSyFP under code no. OV-0004, acting on behalf of Sanitas, S.A. de Seguros, holding civil liability insurance pursuant to the provisions of the regulation on the distribution of private insurance and reinsurance in effect at any time. You can view the insurance companies with which BanSabadell Mediación has signed insurance agency contracts at the www.bancosabadell.com/bsmediacion.
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