Discover the updated ranking of the best companies to contract health insurance based on quality-price. Stay with the best health insurance!
What are the best health insurance in Spain? Thanks to the fact that our country has Social Security coverage, private health insurance may be dispensable . However, the quick access to specialists, the reduction of waiting lists and all the advantages that insurers report seem to be worth it for the 12 million Spaniards who currently have one of these insurance policies.
If you are thinking about taking out health insurance and would like to know which are the best health insurance in relation to quality and price, you have come to the right place. In this post we present a ranking of the best health insurance companies based on their type with medical or reimbursement plan.
As an insurance brokerage, we work with many health insurance companies (DKV, Mapfre, Caser, Adeslas, Asisa…) and we can help you make a comparison and choose, with total independence on our part, the best policy for your specific case. Pay attention to our ranking of the best health insurance policies in 2024!
Best health insurance with medical chart
Firstly, health insurance with a medical plan is the most common, and allows you to access specialists and diagnostic tests, hospitalization or surgery coverage according to the policy. In this case, you will have to go to the specific professionals that your insurance company indicates in its medical chart.
Within this type of health insurance there are two modalities: with or without co-payment . When there is a co-payment, the insured assumes a small part of the cost of their medical expenses. While, if you take out insurance without co-payment, the fee will always be the same at the end of the month, since your company will assume the full cost of the service provided.
In addition to taking this information into account, it is evident that having more professionals and health centers in a close radius will speed up diagnosis and recovery, and that is why it is a determining factor when selecting the best medical insurance.
In Spain, among the best health insurance companies based on this criterion are Adeslas, with 43,000 professionals, and Mapfre, with a total of 32,000, although Asisa, Caser and DKV also stand out.
1. Adeslas
Adeslas has one of the largest medical staff nationwide, and the competitiveness of its prices and discounts allow this company to be included in the ranking of the best health insurance policies.
Your Adeslas Plena Plus insurance is a very popular medical insurance policy without co-payment in Spain. In addition, the insurer offers options to certain groups, such as people over 80 years of age.
2. Mapfre
Mapfre has been growing significantly in insurance with medical coverage, and it works with a large number of highly rated hospitals , such as the Navarra University Clinic, and also with top-level specialists.
Its conditions include cutting-edge technologies in the detection and treatment of diseases, and innovation in its product. They allow, for example, in vitro fertilization, something that very few insurance companies offer.
In addition, Mapfre is among the best medical insurance without copay, thanks to its competitive prices and its wide variety of discounts.
3. Asisa
At Asisa they can boast of being one of the companies with the best health insurance in Spain and of having a very complete medical team. In fact, it has the largest national hospital network of its own , with 15 hospitals and more than 1,000 contracted centers to serve the 2.2 million insured people in our country. Additionally, their customer service is highly rated.
All these advantages position their policies among the best health insurance in terms of quality and price. At Moné, what we like most about Asisa is that it does not have abusive renovations despite its competitive prices. In addition, they also offer some of the best health insurance for the self-employed and SMEs.
So, can we put some “but” to Asisa? A disadvantage is that some of their specialists only arrange a few afternoons a month with the company, so your visit may be delayed.
4. Homer
Caser is also in our top of the best health insurance companies with a medical team. They have more than 13,000 clinics and medical centers in the country, and offer special policies for families, seniors, the self-employed or pregnant women.
This insurer innovates in guarantees and constantly expands its coverage. It does this, for example, with pharmacy expenses and childhood vaccines (up to 100 euros per year in certain policies).
The best reimbursement medical insurance our top 3
Now we are going to focus on establishing a comparative table with the best reimbursement medical insurance. What does it mean? Well, this option allows you to choose doctors who do not belong to your insurance company . If you want to go to a specific private doctor, like your usual gynecologist or dermatologist, or try that traumatologist who had been recommended to you, you can do so, even if they are not on the medical team. That is, its key is the free choice of center and specialist . Furthermore, among the advantages of choosing reimbursement health insurance is also the reduction of waiting lists.
Thus, if you are wondering which are the best medical insurance policies, at Moné we believe that this policy is the most complete and recommended. And what are the best health insurance companies of this type? Take note of our Top 3!
1. AXA
In recent years, AXA has evolved to offer the best health insurance, especially the reimbursement insurance option.
The great advantage of this product is that its price is unbeatable for families , since from three insured people they offer multiple discounts.
Its services include cutting-edge methodologies , such as Holmium and Thulium lasers in prostate surgery or the prestigious Da Vinci robot for oncological surgery. It also has more special coverage, such as income for eating disorders, assisted reproduction, a wide catalog of prostheses, cryopreservation of stem cells or preventive programs.
2. DKV
DKV is one of the great references in terms of the best health insurance in Spain, where they have 40,000 medical specialists and pursue the goal of reducing waiting lists as much as possible.
In addition, it is a very powerful insurer in reimbursement policies. Their coverage limits are high and they offer competitive rates for young people.
3. Mapfre
Once again, we recommend Mapfre as one of the best insurers in terms of reimbursement, since it is always committed to innovation in its coverage and has the best contracted specialists . Beyond basic coverage, they also offer preventive or rehabilitative medicine options.
Its prices are very affordable despite the extensive coverage for certain groups, especially companies. To get an idea of the breadth of its coverage, it should be noted that it even covers international adoption processes. Of course, meeting some requirements and limits
And that’s it for our ranking of the best medical insurance and companies 2024! We know from our own experience that health insurance is complex, but luckily we know it very well. If you are thinking of hiring one for yourself or your family, do not hesitate to contact Moné Seguros . Our team can offer you the best price with the coverage you need.