BBVA Insurance More Health


In medical matters, get in good hands with the BBVA Health Insurance .


  • Access to the medical staff of Sanitas. More than 40,000 professionals in more than 1,200 medical centers.
  • If you already have your BBVA Insurance, manage your policy and access other services through the BBVA Salud app or the Mi Sanitas-BBVA Salud website .
  • Including it in Plan EstarSeguro you can save on the receipt of your BBVA insurance.

What is the BBVA Plus Salud Insurance?

It is a private medical insurance that offers coverage throughout the national territory and puts at your disposal more than 40,000 professionals and more than 1,200 medical centers in Sanitas.

Who is it for?

It is aimed at people up to 75 who seek medical insurance that provides quality, convenience and speed.

Which are your principal characteristics?

  • You can choose between 2 types of health insurance according to your needs:
    • BBVA More Essential Health : It is a modality with the same coverages as BBVA Más Salud, but with a lower fee and a higher amount of co-payments, so that it pays only for what it uses.
    • BBVA More Health. It is the average mode, which allows you to customize the basic coverage according to your needs. You can hire it with or without co-payments (!) :
      • With co-payments: In which you will not pay anything for the first 6 annual medical services.
      • No copayments: Aimed at people who do not wish to make any additional payment for the use of medical services.
  • The insurance premium is annual, but the fee is paid monthly.
  • Including it in Plan EstarSeguro you can save on the receipt of your BBVA insurance.
  • The insurance is renewable annually.
Copayment 2018 More Health with co-payments Copayment 2018 More Essential Health with co-payments
From 0 to 6 services € 0 From 0 to 3 services € 4
From 7 to 10 services € 4 From 4 to 10 services € 7
From 11 to 15 services € 7 From 11 to 15 services € 10
More than 15 services € 10 More than 15 services € 15


Single co-payment for high-frequency services More Health with co-payments (i) More Essential Health
10 physiotherapy sessions € 12 € 20
30 days of oxygen therapy € 12 € 20
30 days for BPAP and CPAC € 12 € 20
15 days for spray € 12 € 20
15 sessions of ventiloterapia € 12 € 20
Preparation for Childbirth € 12 € 20
Delivery or cesarean section € 12 € 20
Complex diagnostic tests   € 12
Complex therapeutic methods   € 12
Emergency   € 8
Dental   € 3


What requirements are necessary?

You must fill out a simple medical questionnaire and, if necessary, we will make a medical survey by phone or a medical examination.

To contract it, you must be between 0 and 75 years old . There is no maximum age to finalize the insurance.

For any questions, ask your personal manager .

() Glossary

Copayment : is a system by which the user pays a minimum amount every time he uses a general medical service, contained in the insurance policy.

The coverages included in each modality are:


Basic coverages BBVA Modality More Essential Health
BBVA Modality More Health (with or without co-payments)

Primary medicine


Medical specialties (gynecology, pediatrics, cardiology …)


Diagnostic tests (clinical analysis, x-rays, ultrasound, magnetic resonance, etc.)


Monitoring of pregnancy and childbirth

Surgical interventions Yes


Therapeutic methods (oncology, radiotherapy, physiotherapy …) Yes
Second medical opinion Included Yes


Other coverages BBVA Modality More Essential Health
BBVA Modality More Health (with or without co-payments)


Dental 21 (¡)
University of Navarra Clinic (¡) Optional (from € 16 / month per insured)

Assistance in the United States



Yes (without limit)

Emergencies abroad

Yes (limit € 12,000 / person)
Chiropody 6 sessions


15 sessions
Logofoniatría Included Yes
Prevention programs Yes
Telephone emergencies 24h Yes


Shortcomings (!) BBVA Modality More Essential Health
BBVA Modality More Health (with or without co-payments)

Outpatient surgical interventions

3 months

High technology diagnostic tests

6 months


6 months
Delivery or cesarean section 8 months
Complex therapeutic methods 10 months
Tubal ligation and vasectomy 10 months

Non-ambulatory surgical interventions and hospitalization

10 months


Contracting rules Modality More Essential Health Modality More Health

Copayments (i)

Yes Optional


() Glossary

Shared payment : is the part of the cost assumed by the insured in the case of certain specific medical tests and services, contained in the insurance policy.

Copayment : is a system by which the user pays a minimum amount every time he uses a general medical service, contained in the insurance policy.

Dental 21 : is a dental insurance that allows you to access a wide range of dental services and enjoy franchised coverage with special prices.

Deficiency period : time that elapses between the insurance registration date and the possibility of requesting certain assistance services or coverages.

Clínica Universidad de Navarra : expand your medical picture and access this prestigious clinic in your offices in Pamplona or Madrid. Recruitment is available for insured persons with habitual domicile throughout Spain, except La Rioja, Navarra and Cantabria. The services and specialties contracted in the main health care policy are included, as long as the Clínica Universidad de Navarra offers them within the specialties agreed upon with Sanitas. It is necessary to carry out a health questionnaire to contract this supplement and the grace periods established in the General Condition of the main policy for which it is contracted will apply.

What is the Blua Digital Add-on?

It is the digital offer for customers who already have a BBVA Health Insurance. Includes video consultations with Sanitas specialists, exclusive home services and digital prevention programs.

Who is it aimed at?

To all those people with a BBVA Health Insurance who wish personalized medical attention avoiding travel and saving time.
You can hire it at any time.

What digital services does it include?

Warranty Description
Video consultations with a medical specialist + Emergency 24 hours General medicine, gynecology, urology, pediatrics, dermatology, allergology, endocrinology, oncology, internal medicine, rheumatology, hematology, digestive system, dentistry, obstetrics, cardiology, nephrology, general surgery, pain management, geriatrics, psychology and psychiatry, second medical opinion
Prevention programs with a team of specialized consultants connected by video consultation, chat and telephone
  • Nutrition, psychology, personal trainer, healthy child, pelvic and maternal child care.
Exclusive services included
  • Medication reimbursement (50%, limit € 200).
  • Delivery of medication at home (6 services per insured person / year).
  • Home analytics for reimbursement (two per year, limit 200 €) and 100% of travel expenses up to € 60.


In addition, you can manage everything related to your health in the BBVA Salud app or on the Mi Sanitas – BBVA Salud website .

What is the form of payment?

The supplement premium is annual, but paid monthly.

  • For insured policies, monthly € 20 will be added to your receipt.
  • For policies of 2 or more insured, monthly € 40 per month will be added to your receipt.

What other features does it have?

The contracting age will be the same as the contracting age of your BBVA Health Insurance.

It does not have deficiencies or pre-existences.

The duration of the supplement is annual. It will not be possible to withdraw until the date of renewal of the policy.

COPAGO: The video consultation will be considered as a face-to-face consultation when generating the copayment, so if the main product is co-payment, the video consultation will also be. However, in 2018 the co-payment for video consultation will not be charged to customers with this supplement.

If you are already a client of the BBVA Health Insurance, you can manage your policy, your medical information, your appointments …

  • Download the BBVA Salud app and discover everything you can do, wherever you are.
  • Register on the Mi Sanitas – BBVA Salud website and access the customer area to manage your policy and your health.

Insurance company

BBVA Salud: Product co-insured at 50% by BBVASeguros, SA de Seguros y Reaseguros and Sanitas, SA de Seguros. Both entities registered in the Register of the General Directorate of Insurance and Pension Funds with the keys C-0502 and C-320 respectively.


BBVA MEDIACIÓN, OPERATOR OF BANCA-SEGUROS VINCULADOS, SA registered in the Special Administrative Register of Insurance Mediators of the General Directorate of Insurance and Pension Funds with the code OV-0060. Agreed Civil Liability Insurance and has financial capacity.

More information

To enjoy BBVA Plan EstarSeguro you have to buy the BBVA Plan EstarSeguro card, without interest, commissions or additional costs. Card subject to prior approval by BBVA.

Posted in Uncategorized