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Salus

Excellent

State of the art diagnostic tests and the most advanced insurance coverages along with conventional guarantees create our most complete, innovative and most advantageous product

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Salus Excellent Adapta

Salus Excellent Company

From

40

'72

/month

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ADVANTAGES
MAIN BENEFITS
COVERAGE
Adapta
SALUS ESENCIAL COMPANIES
CONDITIONS

Advantages

Discover Salus Excellent

Main benefits

  1. Primary assistance.

  2. Medical specialties.

  3. Diagnostic mediums.

  4. Medios terapéuticos.

  5. Treatment of infertility for couples.

  6. Hospitalization and surgical interventions.

  7. Prothesis.

  8. Preventive medicine programs.
  9. Emergencies.

Coverage of Salus Excellent

PRIMARY ASSISTANCE

  • • General medicine: domesti and on field assistance
    • Pediatrics.
    • Nursery: On field and domestic assistance
    • Childbirth: preparation and assistance during birth

MEDICAL SPECIALTIES

  • • Allergy Treatment
    • Pathological Anatomy
    • Angiologyand Vascular Surgery
    • Digestive System
    • Cardiology
    • Cardiovascular Surgery
    • General and Digestive Surgery
    • Maxillofacial Surgery
    • Pediatric Surgery
    • Reconstructive Plastic Surgery
    • Thoracic surgery
    • Dermatology and Venereology
    • Stomatology-Dentistry
    • Endocrinology and Nutrition
    • Gynecology and Obstetrics
    • Hematology and Hemotherapy
    • Internal Medicine
    • Nephrology
    • Neonatology
    • Pneumology
    • Neurosurgery
    • Neurophysiology
    • Neurology
    • Ophthalmology
    • Oncology
    • Otorhinolaryngology
    • Psychiatry
    • Radiology
    • Rehabilitation
    • Rheumatology
    • Traumatology and orthopedics
    • Urology

DIAGNOSTIC MEDIUMS

1. Conventional Processes

  • • Clinical Analysis
    • Pathological Anatomy
    • Doppler Ultrasound
    • Ultrasound
    • Breast, liver and skeletal muscle Elastography
    • Electrocardiography
    • Electroencephalogram
    • Electromyography
    • Spirometry
    • Fibroendoscopy
    • Radiology:radiological studies for diagnostic purposes

2. High technology diagnostic methods

  • • Angiofluoresceingraphy
    • Digital arteriography
    • Densitometry
    • Transesophageal echocardiography
    • Ergometry
    • Electrophysiological studies
    • Vascular hemodynamics
    • Hysterosalpingography
    • Holter
    • Nuclear medicine
    • Magnetic nuclear resonance
    • Computerized Axial Tomography
    • Positron emission tomography (P.E.T.)

3. Interventional diagnostic methods

  • Vascular and visceral intervention radiology

4. Other diagnostic methods

  • • CT coronary angiography
    • Endoscopies
    • Detection of the sentinel node (breast pathology)

PREVENTIVE MEDICINE

  • • Cardiovascular prevention program: includes prevention of coronary risk in individuals over 40 years of age.
    • Gynecological prevention program (Obstetrics and Gynecology): annual gynecological check up for prevention of breast, endometrial and cervical cancer.
    • Urological prevention program
    • Program for the prevention of colorectal cancer in individuals over 40 years of age.

PROTHESIS

The prescription and placement of all prostheses, both internal and external will be borne by the insurer. As for the cost of the prosthesis itself, it will be paid by the insurer in the following cases:

  • Ophthalmology: intraocular lens.
  • Traumatology and Orthopedic Surgery: hip prosthesis, knee prosthesis, prosthesis of other joints, fixation of spine, intervertebral discs, intervertebral interposition material, vertebroplasty / kyphoplasty, ligament prosthesis.
  • Cardiovascular: stents (stent, by pass), heart valves, pacemaker, coronary stent.
  • General surgery: synthetic mesh, breast prosthesis and expanders (provided that there is previous tumor surgery in the breast).

FAMILIY PLANNING

  • • Treatment of infertility for couples: this coverage includes the study, diagnosis (with the usual complementary tests and protocols) and the treatment of infertility of couples (artificial insemination and in vitro fertilization) including ICSI (sperm microinjection).
    • Tubal ligation.
    • Vasectomy.
    • IUD implantation.
    • Follow up with pregnancy and childbirth.

THERAPEUTIC METHODS

  • • Chemotherapy and Radiation Oncology: the assistance will be provided according to the hospital of stay or the daily hospital.
    • Low-Level Laser Therapy:
    • For photo coagulation treatments in Ophthalmology.
    • Skeletal muscle rehabilitation
    • In coloproctology and in gynecological surgical interventions.
    • Green laser exclusively for the treatment of benign prostatic hyperplasia.
    • Genetic tests: amniocentesis, karyotype and triple screening.
    • Percutaneous nucleotomy.
    • Oxygen therapy, ventilation and aerosols:for diseases that require medical hospitalization Treatments out of hospital are excluded. There will be domiciliary coverage for oxygen therapy for four months in cases of acute pathology.
    • Physiotherapeutic Treatment and Rehabilitation:
    • Locomotor system diseases: 40 sessions.
    • Lymphatic drainage: 40 sessions.
    • Rehabilitation of the pelvic floor: single treatment of 10 sessions.
    • Speech Therapy: 40 sessions a year.
    • Dialysis and artificial kidney in cases of acute pathology.
    • Renal lithotripsy.
    • Epidural anesthesia
    • Pain treatment including implantable reservoirs.
    • Podiatry: includes 5 sessions of chiropody per year.
    • Psychology: the psychological attention that is prescribed by a psychiatrist or pediatrician of the medical team for that individual in temporary character . 20 sessions a year.
    • Radio frequency treatment for turbinate hypertrophy.

ODONTOLOGY

  • • Mouth Cleaning.
    • Revisions.
    • Extractions.
    • X rays.
    • Stomatological treatments.

HOSPITAL SERVICES

  • • Medical Hospitalizations - 60 days per year
    • Surgical hospitalization - Without day limits
    • Psychiatric hospitalization - 60 days per year
    • Hospitalization in intensive care units - 45 days per year
    • Pediatric hospitalization - 60 days per year

EMERGENCY UNITS

1. Assistance in case of emergency in the province.

  • Medical services 24 hours a day.

2.Assistance to the displaced.

  • Emergency assistance in Spain: SALUS has its own services established or arranged with other collaborating entities and health care in all the provincial capitals and Spanish cities.
  • Emergency assistance abroad: The same type of coverage will be given abroad, for 90 days, per trip or displacement. Medical and health care up to € 12,000 per claim and insured.

These grace periods will be in stand by state in the case of diseases or surgical interventions of a vital emergency nature and in cases of premature births.

Salus Excellent Adapta

Same product. Same coverage. Lower cost. Find out this insurance option with copayment to use it only when necessary. From 28,54€/month.

INSTALMENT PAYMENT LIST

ATS

3,00€

Medical specialties

7,00€

General Medicine

5,00€

Pediatrics

6,00€

Test or Services in Consultation

7,00€

Emergencies

15,00€

Clinical analysis - 10 parameters

10,00€

Clinical analysis + 10 parameters

20,00€

Pathological anatomy

10,00€

Arteriography

40,00€

Endoscopies

40,00€

Hemodynamic vasc.

40,00€

Nuclear Medicine

40,00€

Conventional Radiology

10,00€

Cardiologic Tests

15,00€

P.E.T

100,00€

NMR/CT/SCANNER

40,00€

FIV

100,00€

Oxigenoterapia *

5,00€

Psychology/ Speech Therapy **

7,00€

Rehabilitation/ Podiatry **

5,00€

Hospital admission/Daytime hospital ***

15,00€

Lithotripsy

40,00€

Preparation for childbirth

15,00€

Prothesis

100,00€

Resting services

10,00€

* Per month of treatment

** Per session

*** Per day

Salus Excellent Companies

State of the art diagnostic tests and the most advanced insurance coverages along with conventional guarantees create our most complete, innovative and most advantageous product.

 

 

ADVANTAGES FOR SELF EMPLOYED WORKERS

As long as they are being taxed by direct estimation, the professionals registered in the RETA (Special Administration for Self Employed Workers) and their direct family (spouse and children up to 25 years of age) may have a discount up to € 500 per person per year.

Expense paid as insurance coverage by your SME for you employees maybe deducted 100% from your own tax declaration with the limit of 500€ per employee per year.

ADVANTAGES FOR SMEs AND COMPANIES

  • For companies: the expense paid by the company as medical insurance for its employees may be deducted 100% as a social expense in the corporate tax declaration.
  • For your employees: The premiums paid by the company to insurance companies for the medical coverage of employees and their spouses or descendants which, do not exceed € 500 per person will not be considered as such therefore the excess will be a compensation in kind as set forth in Article 44 of the IRPF (Personal Income Tax Regulations).

Conditions of the contract

PRE-CONTRACTUAL INFORMATION

GRACE PERIODS

PAYMENT DISCOUNT TYPES

AGREEMENT AGE

  • Surgical outpatient interventions – 6 months
  • High technology diagnostic methods – 6 months
  • Speech Therapy  – 6 meses
  • Radiofrequency for the treatment of nasal conchae – 6 months
  • Percutaneous nucleotomy – 6 meses
  • Hospitalization and surgical interventions for any reasons and of any kind  – 8 months
  • Birth – 8 months
  • Psychiatric hospitalization  – 12 months
  • Kidney lithotripsy, dialysis and artificial – 12 months
  • Psychology – 12 months
  • Tubal ligation and vasectomy – 12 meses
  • Chemotherapy and radiation oncology – 12 months
  • Prostheses – 12 months
  • Assisted reproduction. Family planning – 24 months
  • Green laser exclusively for the treatment of benign prostatic hyperplasia – 24 months

These grace periods will be in stand by state in the case of diseases or surgical interventions of a vital emergency nature and in cases of premature births.

  • Quarterly payment: 2%
  • Semi-annual paymen: 4%
  • Annual payment: 6%
  • Policyholder / Holder:: Persons over 18 years of age.
  • Beneficiaries: People under 65 years of age.*
                          Over 65 years of age, previously consulting with the company.

    From 0 to 14 years old: as long as there is another insured person of legal age in the policy.
    From 15 to 17 years old: as long as the policyholder / holder of the policy is over 18 years old.

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