Which diseases are not covered by health insurance in Spain?

Which diseases are not covered by health insurance in Spain?

Thinking about purchasing health insurance? Before you do, talk to an expert. 

As an exclusive Sanitas agent, I help you choose the insurance that best suits you and clearly explain what your policy does and, above all, what it doesn't cover. Avoid surprises. Get good insurance, and get it with me.

When purchasing health insurance, it's essential to know which illnesses and conditions aren't covered. This information can prevent unpleasant surprises and unexpected expenses in the future. However, navigating through technical terms, exclusions, and conditions can be overwhelming. That's why having a specialized health insurance advisor like us, exclusive agents for Sanitas, makes a huge difference.

The most common exclusions usually include pre-existing conditions, experimental treatments, and certain mental health conditions. A good advisor will not only help you understand these limitations but will also find the product that best suits your needs, maximizing your coverage.

Pre-existing Conditions

Pre-existing conditions are medical conditions that the insured already has before purchasing the insurance. This aspect often raises many questions, so it's essential to have the support of a specialist who can provide clear information and guide you toward the best insurance option for you.

High Blood Pressure

If you've already been diagnosed with hypertension, some policies may exclude treatment or impose limitations. This is where an expert advisor comes into play: we can help you choose a policy that offers the best possible coverage or addresses this condition in the best possible terms .

Diabetes Mellitus

Diabetes is often subject to similar restrictions. Treatments are often not included, which can be a financial burden if adequate coverage is not available. A specialist can anticipate these types of exclusions and look for options that minimize their impact .

Chronic Diseases

These types of illnesses require continuous monitoring and long-term treatment. Standard insurance often doesn't cover everything a patient needs.

Asthma

A specialized agent can help you verify which treatments are included and which medical centers offer the best service for your specific case .

Heart Disease

Heart disease carries significant risks and costs. Here, professional support is key to understanding waiting periods, partial coverage, and other often overlooked conditions.

Autoimmune Diseases

Conditions such as lupus or rheumatoid arthritis require complex treatments. Not all policies are equipped to address them. Therefore, we analyze each case individually and propose the most comprehensive solution possible .

Experimental Treatments

Although they may offer hope in many cases, experimental treatments are rarely covered.

Reasons for Exclusion

Insurers exclude them due to cost, lack of evidence, and risk. But this doesn't mean there aren't any options. As experts, we help you identify viable alternatives covered by your insurance , or even policies that consider advanced treatments under certain conditions.

Consult with the Insurer

With our support, this process is much simpler. We handle all your questions directly with the insurer, without you having to navigate through complicated documentation.

Mental Illnesses

This is one of the sections with the most fine print. Many policies offer very limited mental health coverage, which can make it difficult to access truly helpful therapies.

Limited Coverage and Restrictions

With an agent at your side, we ensure you know exactly how many sessions you have, under what conditions, and if there are any extensions or complementary options . This is especially important if long-term treatment is required.

Cosmetic Surgery and Complications

Although cosmetic surgeries are not usually covered, there are exceptions that many are unaware of.

Coverage Exceptions

If the intervention has a medical reason (due to an accident, malformation, etc.), we help you document it correctly so that it can be approved by the insurance company .

Complications Not Covered

Furthermore, if a surgery isn't covered, its complications won't be either. Therefore, it's essential to consult with an expert beforehand who can provide you with complete guidance .

Alternative and Complementary Treatments

Coverage for these therapies varies greatly between policies. We'll guide you on which treatments are included in your policy and how to access them legally .

Acupuncture and Homeopathy

Some insurance plans include them, others don't. A specialized agent like us can help you find products that do, if they're part of your lifestyle .

Bariatric Surgeries

These are very specific procedures, and not all policies cover them. However, there are options, and we 'll guide you through the process of meeting all the requirements for insurance approval .

Treatments for Chronic Kidney Conditions

Coverage for dialysis and kidney treatments is also subject to many conditions.

Dialysis and Limited Coverage

Here, it's vital to know which centers are covered, what type of dialysis your policy allows, and under what criteria. We make sure you don't miss a single detail.

Psychological Therapies

Although mental health is increasingly valued, limitations remain.

Restrictions and Limitations

An expert advisor can explain, step by step, how to make the most of your policy coverage and what alternatives exist if you need more sessions or specific treatments.

Sickness Coverage in Life Insurance

In life insurance, there are also important exclusions that need to be understood from the outset.

Excluded Diseases

Having us as your exclusive agents means you'll not only understand the exclusions, but you'll also receive recommendations based on your profile, age, and actual needs.

Options for the Uninsured

If you don't yet have health insurance, there are options that can help you cope with medical costs. But prevention is better than cure : properly purchased insurance can prevent large unexpected out-of-pocket expenses.

Health Insurance Comparison in Alicante

Did you know that not all insurance policies offer the same benefits, whether in Alicante or elsewhere? Each company has its own terms and conditions.

Having a specialized advisor like us allows you to compare options objectively, understand what's best for your situation, and access coverage you may not have been aware of . We help you choose the insurance that best suits you, without any fine print or surprises.

Do you have questions about what your health insurance covers or which one you should get? We're here to help!

Contact us now and we'll advise you without obligation so you can make the best decision.
📞 684713756
📧 maalbuixech.pex@sanitas.es
🌐 https://oficina-alicanteplayas.sanitas.es/

Well-chosen health insurance can make all the difference. Ask an expert for advice!