MDC Seguros
MDC Seguros is a travel insurance for the ES market with no online purchase and 24/7 assistance.
Direct payment
MDC coordinates and directly pays for authorised assistance services (medical transport, repatriation, hotel extension, etc.). Benefits not pre-authorised by MDC and not carried out with its agreement are excluded, except in cases of force majeure or demonstrated material impossibility. No reimbursement is permitted for voluntary arrangements made directly by the insured with the transport company.
Geographic scope
Spain and worldwide
Worldwide; within Spain valid from 25 km from habitual residence (10 km in Balearic Islands and Canary Islands). Coverage ends when insured returns home or is admitted to a healthcare centre within 25 km of their habitual residence. Foreign residents excluded for trips to their country of origin.
Unique selling points
- 24/7 telephone assistance available 365 days a year for emergencies in Spain and worldwide.
- Special air ambulance deployed within Europe and Mediterranean rim countries when urgency and severity require it.
- Companion transport covered: when the insured is repatriated, MDC also covers return travel for accompanying insured family members who cannot travel back by the originally planned means.
- Unaccompanied minor assistance: if insured children under 15 are left without a trusted adult, MDC provides an escort to accompany them to their destination or the insured's home.
- Over 100 years of experience as a Spanish mutual insurer, with a dedicated travel assistance helpline separate from general customer service.
Coverage limits
Medical, surgical, pharmaceutical and hospitalisation expenses abroad
Covered
Covers medical and surgical fees, prescription pharmaceutical costs, and hospitalisation expenses incurred abroad due to illness or accident. The maximum amount per insured is defined in the Particular Conditions. Medical, surgical and hospitalisation expenses in Spain are explicitly excluded. Any medical or pharmaceutical fee below EUR 9 is excluded.
Emergency medical treatment abroad
Covered
In the event of illness or accident abroad, MDC covers medical and surgical fees and pharmaceutical expenses prescribed by a physician. Expenses are subject to the maximum established in the Particular Conditions. Treatment in Spain is excluded.
Hospitalisation expenses abroad
Covered
Hospitalisation expenses abroad are covered as part of the overall medical expenses guarantee (clause 2.1.2.4.6). The combined maximum for medical, surgical, pharmaceutical and hospitalisation costs is set in the Particular Conditions. Hospitalisation in Spain is excluded.
Outpatient medical and surgical treatment abroad
Covered
Medical and surgical fees for outpatient treatment abroad are covered under the general medical expenses guarantee. Any claim below EUR 9 is excluded. Maximum is defined in the Particular Conditions.
Emergency dental expenses abroad
Covered
Covers emergency dental treatment abroad resulting from acute odontological problems such as infections, pain or trauma. The maximum amount is defined in the Particular Conditions. Prostheses, orthodontic appliances, dental repairs and replacement dental pieces are excluded.
Medical transport and sanitary repatriation
Covered
MDC covers ambulance transport to the nearest clinic or hospital, the medical team's coordination with the attending physician, and transfer by the most appropriate means (including special air ambulance within Europe and Mediterranean rim when urgency requires) to the prescribed hospital or the insured's habitual residence. Subsequent transfer home from a remote hospital is also covered.
Medical evacuation
Covered
Covered under the sanitary repatriation guarantee. When urgency and severity require it, MDC uses a special air ambulance within Europe and Mediterranean rim countries, or scheduled airline or the fastest available means for the rest of the world. Limits are defined in the Particular Conditions.
Transfer of mortal remains
Covered
MDC guarantees transfer of mortal remains from the place of death (national or international) to the place of burial in Spain, up to the maximum capital established in the Burial guarantee in the Particular Conditions. Excluded if death occurs in a country in a state of war, insurrection or armed conflict, or if transfer is to such a country. Burial and ceremony expenses are excluded.
Search and rescue
Excluded
Explicitly excluded. The rescue of persons at sea, in the mountains or in the desert is not covered.
COVID-19 treatment
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Pre-existing conditions
Excluded
Explicitly excluded. Illnesses or injuries arising as a consequence of pre-existing, serious or chronic diseases with risk of aggravation, as well as their complications or relapses, are not covered.
Winter sports cover
Excluded
Explicitly excluded. Skiing (esquí) is listed among the sports excluded from coverage, even when practised as an amateur, during the period from the start to the end of the trip.
Adventure and risk sports cover
Excluded
Explicitly excluded. Adventure sports and risk sports are excluded, along with a specific list including mountaineering, boxing, parachuting, hang-gliding, motorised vehicle sports, scuba diving, martial arts, judo, bobsleigh, speleology, polo, rugby, and yachting, even when practised as an amateur during the trip.
Pregnancy complications
Conditional
Covered only for unforeseeable complications occurring during the first seven months of pregnancy. Childbirth and normal pregnancy are excluded. Coverage is conditional on the complication being unforeseeable.
Personal liability
Not offered
Not found in the policy terms for this product. No personal liability coverage is described in the assistance guarantee clauses.
Legal assistance
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24/7 telephone assistance
Covered
MDC operates a 24-hour telephone assistance service, available 365 days a year. In the event of a claim, the insured must contact MDC on +34 93 488 80 76. General travel assistance line is +34 93 488 80 73.
Key conditions
Assistance call deadline
In the event of a claim, the insured, a family member or companion must contact MDC's Assistance Service at +34 93 488 80 76 as soon as possible. All benefits must be requested from and authorised by MDC; those not pre-authorised are excluded except in cases of force majeure or demonstrated material impossibility.
Unauthorized treatment
Benefits carried out without prior authorisation from MDC and not agreed with MDC are excluded from coverage, unless there is a case of force majeure or demonstrated material impossibility. Voluntary arrangements made by the insured directly with a transport company (airline, maritime or land) are never reimbursed.
Purchase while abroad
The policy terms do not address purchase while already abroad. The product is sold through MDC offices and advisors in Spain.
Chronic conditions
Illnesses or injuries arising as a consequence of pre-existing, serious or chronic diseases with risk of aggravation, and their complications or relapses, are explicitly excluded from the assistance guarantee.
Pregnancy
Childbirth and normal pregnancy are excluded. Only unforeseeable complications during the first seven months of pregnancy are covered.
pre_existing_conditions
Pre-existing, serious or chronic diseases with risk of aggravation, and their complications or relapses, are not covered under the assistance guarantee (clause 2.1.2.6).
coverage_duration_limit
The insured must have their habitual residence in Spain and the duration of absence from that habitual residence must not exceed 60 days per trip or displacement. Coverage ceases when the insured returns home or is admitted to a healthcare centre within 25 km of their habitual residence.
Where to buy
Documents
General Conditions – Asistencia Familiar MDC (contains Chapter 2.1.2 travel assistance guarantees)
terms_and_conditions
Policy specifics
Medical expenses covered abroad only
Medical, surgical and hospitalisation expenses incurred in Spain are explicitly excluded. Coverage applies only to expenses generated outside Spain.
Coverage limits defined in Particular Conditions
The monetary limits for medical expenses, emergency dental, hotel extension, document forwarding and other benefits are not stated in the General Conditions; they are defined individually in each policy's Particular Conditions.
Travel assistance terms sourced from Asistencia Familiar general conditions
The travel assistance guarantee terms (Chapter 2.1, clauses 2.1.1–2.1.2.6) are contained within the General Conditions of the 'Asistencia Familiar MDC' product document. The standalone 'Asistencia en Viaje' product page confirms the same coverages and assistance telephone numbers.
60-day maximum per trip
The insured must reside habitually in Spain and may not be absent from their habitual residence for more than 60 days per trip or displacement in order to benefit from the guaranteed services.
Minimum 25 km from habitual residence within Spain
Within Spain, the insurance is valid only from 25 km from the insured's habitual residence (10 km in the Balearic Islands and Canary Islands), except for guarantees that expressly state they apply only abroad.