Helvetia
Helvetia is a travel insurance for the ES market with online purchase and 24/7 assistance.
Direct payment
Helvetia covers medical expenses abroad directly up to the applicable policy limit; the insured may also obtain reimbursement for costs already incurred. The insurer coordinates ambulance transfer, hospitalization bonds (fianzas), and cash advances for serious illness abroad.
Geographic scope
Spain (nationwide)
Coverage applies abroad (outside Spain) during trips of up to 90 days, provided the insured is habitually resident in Spain. The policy network and scheduled care apply within Spain only.
Unique selling points
- Travel medical assistance covering medical, surgical, pharmaceutical and hospitalization expenses abroad is included as a standard guarantee in all main Helvetia Salud plans, with no need to purchase a separate travel policy.
- Access to over 45,000 health professionals and 13,000 medical centres throughout Spain, with unlimited specialist appointments without GP referral.
- 24/7 telemedicine service (phone, video call and chat) with no copayment, including digital prescription and sharing of medical reports, available 365 days a year with no limit on consultations.
- Salud Integral plan offers up to 40% discount on the general rate, with no copayment on the first 10 medical services per insured per year and reimbursement of 50% of pharmacy and children's vaccine expenses.
- Backed by the combined strength of Helvetia and Caser (Grupo Helvetia), providing a proprietary network of hospitals, medical centres and dental clinics alongside over 160 years of European insurance expertise.
Coverage limits
Emergency medical treatment abroad
Covered
Emergency medical treatment abroad is covered as part of the travel assistance guarantee included in Helvetia Salud policies. No separate sub-limit specifically for emergency treatment (as distinct from total medical expenses) was stated in the sources.
Hospitalization abroad
Covered
Hospitalization expenses abroad are covered within the overall medical expenses limit. If hospitalization abroad exceeds five days, the insurer also covers a return ticket for a family member to accompany the insured, plus hotel costs. No separate hospitalization sub-limit stated.
Outpatient treatment abroad
Covered
Outpatient medical and pharmaceutical expenses abroad are included within the overall travel assistance medical expenses limit, but no separate outpatient sub-limit was stated in the sources.
Emergency dental treatment abroad
Covered
Emergency dental treatment required abroad due to acute dental problems (infections, pain, trauma) is covered up to a maximum of EUR 120.
Medical transport (ambulance and transfer)
Covered
Covers ambulance transfer to the nearest clinic or hospital abroad, and when medically necessary, transportation by the most appropriate means back to the insured's habitual residence in Spain.
Medical evacuation
Covered
Medical repatriation of injured or sick persons from abroad back to Spain is covered, using the most appropriate means of transport as determined by the insurer's medical team.
Repatriation of mortal remains
Covered
If the insured dies abroad due to illness or accident, the insurer covers all formalities and the repatriation of the deceased to their place of burial or cremation in Spain, as well as the return travel of one accompanying person.
Search and rescue
Not offered
No specific search and rescue coverage or limit was found in the sources for this product.
COVID-19 treatment
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No se ha encontrado mención explícita de cobertura COVID-19 en Helvetia Salud Global. La póliza cubre asistencia médica, quirúrgica, farmacéutica y hospitalaria por enfermedad o accidente durante el viaje en el extranjero (hasta 12.000 EUR), pero no especifica COVID-19 por su nombre en los materiales públicos disponibles.
Pre Existing Conditions
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Las preexistencias son enfermedades, dolencias o condiciones de salud que el asegurado ya tenía antes de contratar la póliza. La aseguradora evalúa si deben cubrirse desde el inicio, requieren periodo de carencia o quedan excluidas. En el componente de asistencia en viaje, se excluyen las recaídas de enfermedades preexistentes con riesgo de agravación brusca conocidas por el asegurado al iniciar el viaje, salvo brotes agudos súbitos y repentinos. También se excluye la asistencia para tratamiento de padecimientos crónicos o mentales.
Winter sports cover
Not offered
No specific winter sports coverage or exclusion was stated in the sources for this product.
Adventure sports cover
Not offered
No specific adventure sports coverage or exclusion was stated in the sources for this product.
Pregnancy Complications
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Helvetia Salud Global incluye cobertura de embarazo, parto y posparto con un período de carencia de 8 meses. Cubre intervenciones quirúrgicas e ingresos hospitalarios incluida la asistencia en parto, cuidados posparto, test de cribado prenatal no invasivo, y programa de preparación al parto. La asistencia en viaje al extranjero cubre enfermedades o accidentes imprevistos durante el viaje, pero no se especifica explícitamente cobertura de complicaciones de embarazo en el extranjero en los materiales públicos consultados.
Personal liability abroad
Not offered
No personal liability coverage for travel abroad was stated in the sources for this product.
Legal assistance abroad
Not offered
No legal assistance coverage for travel abroad was stated in the sources for this product.
24/7 medical assistance service
Covered
Helvetia provides 24-hour medical assistance across more than 1,100 medical centres and 40,000 health professionals throughout Spain. Digital medical advice (telemedicine) is also available 24/7 via phone, video call or chat.
Key conditions
Assistance call deadline
The sources do not state a specific deadline by which the insurer must be called before seeking medical treatment abroad. Contact with Helvetia should be made as soon as possible after any health incident during travel.
Unauthorized treatment
The sources do not specify any explicit penalty for seeking medical treatment abroad without prior authorization from Helvetia. The policy recommends contacting mediators for full details.
Purchase while abroad
This is a private health insurance policy (Helvetia Salud) sold in Spain. It is not a standalone trip policy and cannot be purchased mid-trip. The travel assistance guarantee is a built-in component of the annual health insurance contract.
Chronic conditions
The sources do not specify whether chronic or pre-existing diseases are covered or excluded under the travel assistance component. Contact Helvetia or an authorised mediator for clarification.
Pregnancy
The sources do not state specific pregnancy coverage conditions for the travel assistance component. General health policy coverage for pregnancy and childbirth is noted for Spain-based care, but no overseas pregnancy clause was stated.
pre_existing_conditions
No specific statement regarding coverage or exclusion of pre-existing conditions under the travel assistance component was found in the sources. Waiting periods apply to certain scheduled benefits (surgery, hospitalisation) under the main health policy.
coverage_duration_limit
The travel assistance coverage is limited to stays abroad not exceeding 90 days per trip. The insured must be habitually resident in Spain and the trip must depart from Spain. The overall health insurance contract has an annual term with automatic renewal.
Where to buy
Policy specifics
Maximum stay duration abroad
Travel assistance is limited to stays not exceeding 90 days per trip or travel period
Medical expenses coverage limit abroad
Medical expenses abroad are covered up to a maximum limit of EUR 12,000 per policy year
Residency requirement for travel assistance
Insured must be resident in Spain and travels must be from Spain to be eligible for travel assistance
Family accompaniment during prolonged hospitalization abroad
If the insured must remain hospitalized abroad for more than five days, the insurer covers a return ticket for one family member to be by their side, as well as the family member's hotel accommodation costs (up to the amount established in the policy).
Medical repatriation service
Helvetia covers the cost of medical repatriation for wounded or sick persons from abroad back to Spain
Emergency dental coverage abroad
Emergency dental treatment abroad is covered up to a maximum of EUR 120