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since 7/2003
accident insurance Spain
agencia vinculada de seguros
Bespoke health products / productos de salud a medida ... for / para:
boat and golf insurance in Spain
business insurance in Spain
car
insurance in Spain
Commercial Premises insurance - Spain
Community Insurance 'Comunidad' - Spain
Company
Platinum - health plan for employees in Latin America and the
Caribbean
"couples"
dental and medical
insurance plans
Dependencia
English insurance agent in Spain
España
España
- seguros médicos - pero ¿cuál?
¿Estudiando
en otro país?
expatriate insurance
Français
Health
insurance
health insurance Bulgaria
health insurance Cyprus
health insurance Czech Republic
health insurance France
health insurance Germany
health insurance Italy
health insurance Poland
health insurance Portugal
health insurance Spain
health
insurance UK
house
insurance Spain
insurance Barcelona seguros
insurance Madrid seguros
insurance Valencia seguros
international health, medical and travel insurance cover
international travel insurance
Laser (eye)
life
insurance in Spain
Maritime plan - international health cover (crew only)
Moving
to Spain?
Oil and Gas Industry - health insurance
Over 60 and
living in Spain?
Patrocinadores -
América Latina y
el Caribe
Products
'Residencia'
(medical insurance)
Retirement?
How about retiring to Spain?
Sanitas
Accesible Síndrome de Down
Sanitas Accesible Down Syndrome
Sanitas
Accidentes
Sanitas
Autónomos Cuadro
Sanitas
Autónomos Reembolso
Sanitas
Dental
Sanitas
(English) agent
Sanitas
Estudiantes
Sanitas Exterior -
100% hospital and outpatient reimbursement
health insurance costs for employees working in 190 countries
(when company is based in Spain!)
Sanitas
Familia
Sanitas
Health Plan
Sanitas
Multi
Sanitas
Mundi
Sanitas
Oro
Sanitas
Oro Reembolso / Reimbursement
Sanitas Renta (income)
Spain
Spain -
index...
'Student
Visas'
(medical insurance)
Studying
outside Spain for at least 6 months?
Studying
overseas?
Teachers - international health cover (Spain)
traducciones juradas (sworn translations)
translations y traducciones
turismo rural tourism
welcome to Spain!
Worldwide Health
Options
Worldwide Travel Options
world travel insurance
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www.e-healthinsuranceservices.com
Lifeline membership guide (from 1.10.2006) (Membership
Guide 2008) (Worldwide
Health Options)
2. What is covered?
This section contains your table of benefits and the accompanying notes.
Before you look at these please read the important information below about the
kind of costs that we cover.
2.1 Treatment that we cover
For us to cover any
treatment that you receive, it must satisfy
all of the following requirements:
- it is at least consistent with generally accepted standards of medical
practice in the country in which
treatment
is being received
- it is clinically appropriate in terms of type, duration, location and
frequency, and
- it is covered under the terms and conditions of the plan.
2.2 Conditions that we cover
Acute conditions
This plan covers you for
treatment
of acute
conditions. Acute
conditions are diseases,
illnesses or injuries that respond to medical care without the need for long-term
or prolonged treatment. The
treatment that you receive should be
likely to lead to a complete recovery, or restore you as closely as possible to
your previous state of health.
Please note that this definition above means that you do not have cover for
treatment for chronic
conditions (please see Section 3 for more
information about chronic
conditions).
Acute and chronic conditions - how it works in
practice
1. We will cover an
acute condition until we become aware that it is chronic.
2. If you develop a condition which is known to be chronic,
we will pay for
treatment to
- diagnose your condition
- stabilise your condition
but, we will not pay for ongoing
treatment or drugs to maintain your
health or control the condition.
3. If you suffer from an acute flare-up of a
chronic condition we will pay for
treatment
you receive during this period.
Example: a chronic
condition such
as angina is usually controlled by medication. We will not pay for
drugs, consultations or other
treatment
to control this condition. However, angina could lead to severe chest pains and
the need for a heart bypass; this is an acute flare-up of a
chronic condition. In this situation
we would pay costs associated with the heart by-pass according to the table of
benefits (section 2.4) and the notes (section 2.5)
Please contact the customer services helpline if you have any questions about
acute and
chronic conditions.
2.3 Reasonable and customary charges
We only pay costs when the charges
made by the provider of services are reasonable and customary. By this
we mean that the charges are the same
as those made to our members by the
majority of other service providers in the same country: and also that they are
not more than the provider would normally charge.
2.4 Table of benefits
The table of benefits shows the benefits and limits that apply to your plan.
The notes that follow it in
section
2.5 contain the detailed rules for each benefit. You also need to read
3. What is
not covered? so that you understand the exclusions on your plan. A
copy of the
Table of
benefits can be found on the fold-out cover of the guide.
How to read the
Table of
benefits
There are three levels of cover:
Essential,
Classic
and
Gold.
You need to read the column in the
table of
benefits that applies to your level of cover, as shown on your Membership
Certificate.
Benefit limits
There are two kinds of benefit shown in this table. The 'overall annual
maximum' is the maximum we
will pay for all benefits in total for each person, each
membership
year. Some benefits also have a limit applied to them separately: for
example Home Nursing.
All benefit limits apply per member and per
membership
year; This means that once a benefit limit has been reached, that
benefit will no longer be available until you renew your plan and start a new
membership
year.
Currencies
All the benefit limits in this
table of
benefits and notes are set out in three currencies: £ sterling, $ US dollars
and € euros.
The currency in which you pay us
your subscriptions is the currency that applies to your membership for the
purpose of the benefit limits.
For example, if you pay your subscriptions in £ sterling then the benefit
limits given in £ sterling apply to your membership and $ US dollar and € euro
limits do not apply to you.
If you are unsure which level of cover you have, the currency that applies to
your membership, or whether you have an
annual
deductible, you can check on our
Membersworld website or contact the customer services helpline.
Table
of benefits
Index
Lifeline:
* provides international private medical insurance for people living or
working abroad for at least six months of the year
* for individuals and their families
* three different levels of cover to meet any client's needs:
Company
Scheme ( Castellano
Deutsch Français
Português )
BUPA
insurance products
accident insurance /
Boating insurance (jet skis, sailing and motor boats) /
Business insurance (churches, clinics, factories, schools, shows, Town Halls,
warehouses, workshops (chemical products, leather, metal, paper or cardboard,
plastic or rubber, textile) /
Car insurance (including foreign number plates/registrations, top of the range
or Classic cars) /
Caravan insurance /
Civil liability insurance eg trades, hairdressers, academies, bars, restaurants,
tourist guides, monitors, shows) /
Commercial Premises insurance
(amusement arcades and one-armed bandits, bars, beauty salons, cafes, cake shops,
chemists, clubs, discos, florists, fruit shops, gift shops, gyms, health shops,
hairdressers, international 'phone call shops, ironmongers, jewellers*,
newsagents, opticians, restaurants, sex-shops, shoe shops, stationery shops,
street cafés, supermarkets, telephone shops*, travel agencies,) /
Financial planning ideas - and how to save money in Spain ... /
Funeral insurance /
Golf insurance /
health
and
dental
insurance
plans /
Health insurance offers eg SMEs, catering, shops /
Home insurance (as an owner or tenant) /
Horse insurance /
Hunting insurance /
Insurance for agricultural vehicles /
Insurance for Building Companies /
Insurance for Electrical Equipment /
Insurance for Haulage Companies /
Insurance for Companies selling or renting equipment /
International health insurance (transfer your Sanitas rights both ways) /
Life insurance (protect your family if you die or become disabled) /
Machinery Breakdown Insurance /
Maritime insurance (crews only) /
Mobile insurance - checklists adapted to your mobile screen... /
Mortgage repayment life insurance (it may be cheaper to replace your current
mortgage repayment life insurance, eg people in Spain working with/in/on/at:)
(
animals /
aviation /
building sector /
Civil protection and police /
countryside, vets /
factories or mines /
home makers or parks /
hospitals, consulting rooms, clinics /
logistics and transport /
office workers /
press or mass media /
sales reps /
ships, wharfs, at sea /
shop workers, SMEs, cars, hotels /
shows and culture /
training, unemployed, retired ) /
Motorbike-motorcycle insurance /
Office insurance /
Responsabilidad Civil - PYMEs, fundaciones, asociaciones... /
Returning to the UK from abroad? (you may not be covered by the NHS for 6 months)
/
Seguro contra daños (RC) /
Seguro de amortización, por ejemplo personas que trabajan con/en: (
animales /
aviación /
barcos, muelles, alta mar /
campo y veterinarios /
casa o cuidando parques /
construcción /
en la calle /
espectáculos y cultura /
fábricas o minas /
formación, desempleados, jubilados /
hospitales, consultas, clínicas /
logística y transporte /
oficinas /
prensa o medios de comunicación /
protección civil y policía /
tiendas, pymes, bares, hoteles ) /
Seguro de automoción (talleres de automóviles, mecánico, eléctrico, chapa y
pintura, estaciones de servicio, túneles de lavado, garajes, concesionarios (con
o sin talleres de reparación de vehículos) /
Seguro de Comercio (agencias de viajes, bares, cafeterías, charcuterías, clubes,
discotecas, farmacias, ferreterías, floristerías, fruterías, gimnasios,
joyerías*, locutorios telefónicos, ópticas, papelerías, pastelerías,
peluquerías, quioscos (periódicos, freidurías y bares en la vía pública),
relojerías*, restaurantes, salones de belleza, salones recreativos, sex-shops,
supermercados, tiendas de calzado, tiendas de productos dietéticos, tiendas de
regalos, tiendas de teléfonos*, tragaperras, traperías y desperdicios ) /
Seguro de Comunidades /
Seguro de decesos /
Seguro de empresas (almacenes, ayuntamientos, clínicas, espectáculos, escuelas,
fábricas, iglesias, talleres metalúrgicas / textil / cuero / plásticos y goma /
papel y cartón / productos químicos) /
seguros agrarios /
Seguros
para casas rurales, hoteles, fondas, pensiones, complejos turísticos / insurance
for rural houses, hotels, guest houses, bed and breakfast, tourist resorts
/
seguros para transportistas / transport hauliers / road haulage insurance /
seguros - vehículos agrícolas /
seguros pecuarios - para su ganado ovino, bovino, caprino y aviar /insurance for
sheep, cows, goats, poultry /
Shop insurance /
Travel insurance - visa compliant eg for US students, tourists or business trips,
includes dangerous areas, professions and sports /
(..主要健康计划......),
Zahn- und Krankenversicherung in Spanien wenn Sie den Versicherungsantrag und
die allgemeinen Bedingungen auf Deutsch möchten ...
and more insurance products!
Some clients...
life insurance in Spain
Contact / contacto ...
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