We Accept All Reimbursement Insurance Plans
Turo Park Medical and Dental Center is a private medical and dental clinic. As such, you will first have to pay for your consultation, then submit the corresponding invoice to your private insurance.
Every time you consult one of our doctors, whether physically at the clinic or online, you'll get an invoice that you can send to your insurance in order to be reimbursed.
Most insurance companies will reimburse 80% -100% of the cost of your medical treatment. Seeking care at our private clinic with private insurance means that you won’t have to wait to see a specialist, as is often the case with public healthcare services in Spain.
For coverage of dental care, reimbursement may be partial, full, or no reimbursement. Spanish insurance companies do not tend to cover dental care. International or Expat insurance plans (such as AXA Optima Plus or DKV MundiSalud) do not automatically reimburse for dental services. We recommend that you check with your individual insurance provider to determine your coverage amount before coming to your dental appointment with us.
For all services, you will need to pay at the time of your visit in full, and then submit your bill for reimbursement to your insurance company.
Understanding the Spanish health system
Basically, healthcare in Spain consists of both private and public healthcare.
If you are living and working in Spain, you will likely have access to free state Spanish healthcare that is essentially free except for small co-payments in some products and services.
If it is not your case or if you want to cover yourself for private treatment to access to wider and quicker treatment, you'll need to take out private health insurance.
Types of Private Insurance Plans
There are several types of health insurance in Spain. Most of them have a network of doctors and specialists that you can visit free of charge. If you prefer to go to your own doctor, you'll need to get a premium policy.
- Basic Insurance Plan
- You have to choose from a list of doctors approved by your insurer (cuadro medico)
- It covers basic services (visit with doctor, health check, medical analysis)
- Hospitalization costs are usually not covered
This basic insurance can be a good option to avoid long waiting lists in the public system but it's limited.
- Reimbursement Insurance Plan
- You can choose your own doctor, center or hospital without any limitation
- Up to 100% of the cost of the visit reimbursed by the insurance plan
- You must pay the entire cost of the doctor’s visit at the time of service and then submit paperwork in order to be reimbursed (80-100% of the cost of the visit) at a later date (usually after 5-15 days).
- This kind of policy is approximately 20-30€/ month more expensive than basic private insurance plans.
- If you have additional dental insurance added to your reimbursement policy, you can have between 30-100% reimbursed depending on your insurance company and dental procedure.
Here is a summary table presenting the characteristics of these two types of health insurance:
|What is the typical monthly COST?||From 38€||From 50€|
|Can I see any doctor I want?||Choose from limited list of doctors||Free to choose any doctor|
|Is everything included in my monthly fee?||No, you pay extras for visits||You pay doctor’s fees and submit your invoice for 80 – 100% reimbursement with your insurer.|
|Examples of insurance companies||DKV, AXA, Adeslas, Sanitas, Mapfre, Cigna||DKV, AXA, Adeslas, Sanitas, Mapfre, Cigna|
|Examples of insurance policies||Adeslas Basica, Adeslas Plena, Adeslas Vital, Sanitas Mas Salud, DKV Integral, DKV Modular, DKV Seleccion, Cigna Salud Plena||Adeslas Plena Extra 150, Sanitas Plena 90.000, DKV Mundi Salud, DKV Residentes, DKV Top Health, Allianz, Cigna Salud Reembolso Blue, Cigna Salud Reembolso Gold (incl USA)|
|What about Turo Park Medical Center’s MEDICAL services?||Medical Analysis, ORL||Medical Analyses, ORL, Pediatrician, General Medical Doctor, Gynecologist, Cardiologist, Infectious Disease, Psychologist|
|Are Turo Park Medical Center’s DENTAL services covered by my insurance if I have dental insurance?||No||If you have EXTRA dental insurance in ADDITION to your general health insurance, some companies may reimburse 30-100% of CERTAIN dental treatments|
|What is the cost of extra dental insurance coverage?||Approx. 9€/ month* But can only go to your insurer’s dental center||-|
How to choose the best health insurance in Spain?
In Spain, there are private health insurance policies adapted to all needs and budgets. However, if you want to see a multilingual doctor or need complementary therapies like acupuncture or homeopathy, you'll need a premium policy.
Turo Park Medical and Dental Center works with the major insurance companies offering private reimbursement policies such as: Axa Optima Plus, Asisa Integral, Allianz Salud Reemboolso, Generali, Fiatc, Cigna Global, DKV Mundisalud, Sanitas Mas, Sanitas Premium, Mapfre Salud Reembolso, Plus Ultra Seguros, RACC Seguros Elección, Bupa Company Gold, Geoblue, Adeslas Pymes Reembolso, Adeslas Extra, Aegon Salud Reembolso, Asefa Salud Top,Agrupació Mutua Universalmedic, and much more.
To help you choose the insurance plan best suited to your needs, we provide you with an analysis of the best providers on the market. You can download it by clicking here.
Do not hesitate to contact us by email or by phone (+34 932 529 729), if you need more information about reimbursment and health insurance plans. Our English-speaking office staff will be happy to answer any of your questions.
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