Health Insurance
Health Insurance Features
More than 59,000 specialists
Dental Care Supplement
Video Consultation and Phone Consultation
Pharmacy and Childhood Vaccines Reimbursement, and Optics
Introducing our health insurance
We have partnered with Sanitas to offer you the health insurance that best suits your needs. Here are the services and coverages you will have access to in any of our insurance plans.
- Family medicine
- Medical specialties
- Basic treatments
- Basic diagnostic tests
- Second medical opinion
- 24-hour medical care
- Emotional support helpline
- And much more!
Three ABANCA Health Insurance options to choose from
-Health
ESENCIAL
- Consultations with specialists within a wide medical network, including diagnostic tests and simple treatments that do not require hospital care.
- Primary care
- Medical specialties
- Diagnostic means and simple treatments
- Pregnancy and childbirth follow-up
- Psychology and psychotherapy
- Pharmacy reimbursement
Health
COMPLETO
- Access a wide medical network and all the comprehensive coverage included in this health insurance policy for your peace of mind.
- Primary care
- Medical specialties
- Diagnostic means and simple treatments
- Pregnancy and childbirth follow-up
- Psychology and psychotherapy
- Diagnostic means and complex treatments
- Emergency and ambulance services
- Hospitalization and surgical procedures
- Infertility treatments
- Implants and prosthetics
- Reimbursement for pharmacy, childhood vaccines, and optics
Health
REEMBOLSO
- Accede a nuestro cuadro médico y acude libremente a cualquier profesional médico, de cuya factura te reembolsaremos un 80% hasta los límites incluidos en la póliza.
- Primary care
- Medical specialties
- Diagnostic means and simple treatments
- Pregnancy and childbirth follow-up
- Psychology and psychotherapy
- Diagnostic means and complex treatments
- Emergency and ambulance services
- Hospitalization and surgical procedures
- Infertility treatments
- Implants and prosthetics
- Free choice of specialists
- Reimbursement for pharmacy, childhood vaccines, and optics
Find the doctor you need
We offer you a medical directory with more than 59,000 professionals, hospitals, and our own centers throughout Spain.
Get €30 if you take out your insurance now
Because your peace of mind and that of your loved ones comes first. If you became a customer in 2025 or 2026 and take out your ABANCA Health Insurance with Flat Rate Insurance before 31 de diciembre de 2026, you not only gain security, you also get €30 directly into your account, to spend on whatever you want!
Your Health Insurance App
Download your app and manage all your health insurance tasks from your mobile:
- Appointment management: book in-person, phone, or video consultations and access your favorite doctors directly.
- 24/7 medical care in your app: speak with a professional anytime and take care of your well-being with Health Programs.
- Digital history and documents: easily check your prescriptions, test results, and medical exams. Manage your receipts, reimbursements, insured members, and other policy procedures.
Complete your health insurance with these personalized coverages
Family Life Pack
Daily Life Pack
+60 Pack
Dental Assistance Plus
Medical Specialties Reimbursement
Self-Employed and Payment Protection Pack
Clínica Universidad de Navarra Supplement
Pay your insurance month by month
At ABANCA, you can group your insurance policies and pay them month by month, in a single bill, with the Flat Rate Insurance plan. This service allows you to split the payment of your insurance policies marketed by ABANCA, with no interest or fees (NIR 0%, APR 0%).
For example, if you include your €600 Health Insurance and your €600 Car Insurance in the Flat Rate Insurance plan, you can split the payment over 12 months and pay €100 per month. Therefore, the total amount owed would be €1,200. No fees, NIR 0%, APR 0%.
Additionally, you can save up to 7% if you include more types of insurance in the Flat Rate Insurance plan, and you will have access to a dedicated phone line for inquiries and the option to defer two payments per year.
Do you have questions about Health Insurance? We have answers
Questions
Si traes tu seguro de salud de otra compañía te podrás beneficiar de una supresión de los períodos de carencia. Así, por ejemplo, si acreditas que has tenido cobertura de seguro durante más de 12 meses y estás al corriente de todos los pagos, no tendrás período de carencia. Solo se mantendrán los períodos de carencia en las siguientes coberturas: en el seguimiento del embarazo en la modalidad Esencial y el parto, la cirugía robótica y la reproducción asistida, en las modalidades de Completo y Reembolso.
Si deseas cambiar de compañía, se recomienda avisar con al menos 2 meses de antelación. De este modo, ABANCA podrá gestionar el alta de la nueva póliza con suficiente tiempo , lo que te permitirá notificar la cancelación de tu póliza actual dentro del plazo establecido de 1 mes.
Además, recuerda que si traes tu Seguro Salud a ABANCA te podrás beneficiar de la Tarifa Plana de ABANCA SegurosIt will open in a new window, que incluye el fraccionamiento de las cuotas, el aplazamiento de hasta 2 meses en el pago, sin intereses ni comisiones, y unas bonificaciones que pueden llegar hasta un 7%.
Documentation
Condiciones generales del Seguro de Salud Completo (en PDF)
View PDF file in a new windowCondiciones generales del Seguro de Salud Esencial (en PDF)
View PDF file in a new windowCondiciones generales del Seguro de Salud Reembolso (en PDF)
View PDF file in a new windowRates for supplementary dental coverage 2026
View PDF file in a new windowOptional Dental Assistance Coverage Rates Plus 2026
View PDF file in a new windowYou can consult all the details of the coverage and conditions in the General ConditionsView PDF file.
Broker: ABANCA MEDIACIÓN, OPERADOR DE BANCA SEGUROS VINCULADO S.L., a tied bancassurance operator, with registered office at Avenida de la Marina 1, 4th floor, A Coruña, and with CIF B-70049630, registered in the Commercial Registry of A Coruña, Volume 3092, Page 73, Sheet C-38698 and in the Special Administrative Register of Insurance Brokers of the Directorate General of Insurance and Pension Funds with number OV-0044. Insurers: ABANCA GENERALES DE SEGUROS Y REASEGUROS, S.A., with CIF A-14715270, registered in the Commercial Registry of A Coruña, Sheet C-47133, Volume 3407, Page 9, with registered office at Avda. Linares Rivas, 30 - 3, A Coruña, 15005, A Coruña, with registration number in the administrative register of insurance and reinsurance entities of the DGSFP C0808, and Sanitas Sociedad Anónima de Seguros with CIF A28037042 and registered office at c/ Ribera del Loira 52, 28042 Madrid, Spain, registered in the Commercial Registry of Madrid and in the DGSFP with code C0320, under coinsurance regime, each participating 50% in the coinsurance.
With Civil Liability Insurance and Financial Capacity as required by current insurance distribution regulations. Check the insurers with which the broker has an agency contract.
Check the general conditions of the Flat Rate Insurance.View PDF file Financing offered by ABANCA Corporación Bancaria, S.A. The bonus will be up to 7% for insurance exclusively brokered by ABANCA Mediación belonging to the following types: life risk, home, health, funeral, accident, and car. The bonus depends on the number of types of insurance contracted. Insurance linked to active operations formalized with ABANCA or payment protection insurance will not be eligible for the bonus. The effective date of the insurance must also fall within the campaign period.
Promotion details Promotion valid for contracts made between January 1 and 31 de diciembre de 2026. Acceptance of a deposit into the account associated with the Flat Rate for a total net amount of €30 for all new clients registered in 2025 and 2026 who take out a new insurance policy in the following types: Standalone Home, Health, Car, Standalone Life Risk, Periodic Premium Funeral, Accident, and Business Insurance, and direct debit it to the Flat Rate Insurance. The policyholder must be a natural person and resident in Spain, and the gross premium for the first year of the new insurance must be at least €100 to qualify for the promotion. The deposit into the account by ABANCA Seguros constitutes investment income subject to the recipient's Personal Income Tax (IRPF); such income is subject, where applicable, to the corresponding withholding obligation by the payer. Request the promotion at any of our 700 branches.