Adeslas

Emergency medical and surgical treatment abroad is covered under the medical expenses guarantee (A.1). The insurer covers consultation fees, surgical and pharmaceutical costs for illness or accident arising during a trip, up to the contracted capital tier: Básica (€3,000), Completa (€6,000), Premium (€20,000) or Excellence (€50,000). Prior authorization from the insurer is required except in genuine emergencies.

Hospitalisation costs abroad (including stay, medical and pharmaceutical services) are included within the overall medical expenses guarantee A.1, subject to the contracted capital tier. When hospitalisation is determined necessary by the insurer's medical team in agreement with the treating physician, the insurer covers transfer to the hospital, the hospital stay and all necessary medical services including pharmaceuticals, up to the contracted limit.

Outpatient medical consultations, surgical and pharmaceutical expenses arising from covered illness or accident during a trip abroad are covered under guarantee A.1, subject to prior insurer authorization and up to the contracted capital tier. Remote medical advice (A.7) is also included.

Covers treatment costs for acute dental problems requiring urgent treatment during a trip abroad, such as infections, pain, broken teeth or lost fillings. Maximum limit per claim is €300. Cosmetic or planned dental work is excluded. Applies exclusively to trips abroad.

Under guarantee A.3, the insurer covers: (a) ambulance transport to the nearest clinic or hospital; (b) medical team monitoring to determine best treatment and most suitable transport to another hospital or back to Spain; (c) medical repatriation to Spain if medically necessary. For minor ailments not requiring repatriation, transport by vehicle or ambulance to the nearest medical facility is covered. No separate monetary sub-limit stated; the cost of service is covered in full.

Under guarantee A.3, if the insured suffers an illness or accident, the insurer organizes and covers medical repatriation to Spain when medically necessary, including medical escort if required. If the insured's condition does not allow immediate transfer to Spain and local care is insufficient, a specialist physician is dispatched to the insured's location (guarantee A.5). No separate monetary sub-limit stated for the repatriation service itself; cost of service is covered in full.

Under guarantee B.1, if the insured dies during a covered trip, the insurer covers the administrative procedures and costs necessary for transferring the mortal remains to the place of burial in Spain. Burial and ceremony costs and the cost of the coffin are excluded. If no companion is available to accompany the remains, the insurer provides a round-trip ticket (first class rail, tourist class air) for a person domiciled in Spain designated by family members. The insurer also covers accommodation and subsistence of the companion up to €80/day for a maximum of 3 days. No overall monetary cap on the repatriation service itself.

Under guarantee A.15 (Fianzas y gastos procesales), the insurer advances to the insured, subject to formal guarantee of repayment within 60 days: legal defence costs up to €15,000 and criminal bail up to €10,000, arising from judicial proceedings initiated as a result of a car accident outside the insured's country of residence and/or habitual domicile.

A 24-hour telephone assistance service is available to the insured throughout the trip for medical assistance coordination, information and emergency management. The insurer operates assistance centres that coordinate all covered services worldwide.