Néctar Contigo Travel insurance (Nectar Contigo Travel Medical)

Covers medical expenses (doctors, surgeons, hospitals/clinics), prescribed medications, hospitalization costs, and local ambulance ordered by a doctor, all originated outside Spain and provided through SANITAS-designated centers. Maximum €12,000 per insured person per policy year. Expenses below €3 are excluded. This aggregate limit applies jointly to all medical services under this coverage.

Urgent medical and surgical treatment by doctors, surgeons and hospitals abroad for illness or accident. Prior authorization required before any treatment (except vital emergencies). Covered within the €12,000 aggregate annual limit. For vital emergencies, the insured may attend the nearest clinic and must notify SANITAS within 7 days.

Hospitalization costs abroad are included as part of the emergency medical expenses coverage, subject to the aggregate €12,000 per person per year limit.

Outpatient medical consultations and treatment by doctors and specialists abroad are covered as part of the emergency medical expenses guarantee, within the €12,000 aggregate annual limit.

Emergency dental expenses abroad are covered up to a maximum of €300 per insured. Excluded: endodontics, aesthetic reconstructions of prior treatments, oral cleaning, prostheses, crowns and implants.

SANITAS covers transport of the ill or injured insured under medical supervision to the nearest treatment point where the required treatment can be performed. SANITAS medical service decides the means of transport and the destination medical center. Local ambulance ordered by a doctor also covered within medical expenses. No monetary sub-limit stated separately; included within aggregate €12,000 limit.

Covered as part of the medical transport guarantee (item 2 of the abroad coverage): SANITAS organizes and covers transport of the insured under medical supervision to the appropriate treatment point. The SANITAS medical service decides the means of transport. No separate monetary sub-limit stated; included within the aggregate coverage framework.

In case of death of the insured abroad, SANITAS organizes and covers the transfer of the coffin to the place of burial in the country of habitual residence, including the minimum obligatory coffin, embalming, and administrative formalities. Upon request of beneficiaries, SANITAS also covers cremation at the place of death and transport of ashes to the country of habitual residence. Funeral and burial costs are excluded.

No search and rescue coverage is stated in the Néctar Contigo abroad coverage section. The baggage search service (item 8) is administrative assistance for lost luggage, not search and rescue.

COVID-19 treatment abroad is not explicitly mentioned. Under the general terms, pre-existing known conditions and epidemias declaradas oficialmente are excluded (Cláusula III.B). An acute COVID-19 illness not known before the trip and not constituting a declared official epidemic would be covered as a general emergency illness within the €12,000 limit. However, if COVID-19 is declared an official epidemic, it would be excluded.

Expenses caused by the diagnosis or treatment of a physiological condition or illness already known before the trip start date are excluded, unless it is a clear and unforeseeable complication. Treatments prescribed in Spain before departure are also excluded. Mental illnesses and chronic diseases that have caused health alterations in the insured are also excluded.

Injuries from practicing winter sports as an amateur are excluded. Cláusula III.B specifically lists off-piste skiing with jumps ("esquí fuera de pista o con saltos de trampolín") as a risk sport. Injuries from such activities are not covered under this policy.

Injuries from practicing high-risk adventure sports as an amateur are explicitly excluded under Cláusula III.B. Listed excluded sports include: aerial activities, motor vehicle speed trials, scuba diving, bobsleigh, climbing, boxing, martial arts, bullfighting, rugby, quad, speleology, water navigation, rafting, bungee jumping, hydrospeed, canyoning, parachuting, paragliding, ballooning, free flying, gliding, hunting, horse riding, and any similarly risky activity.

Not explicitly addressed in the abroad coverage section. Pregnancy and childbirth are covered domestically under the main policy, but the abroad emergency coverage only covers urgent medical needs arising from illness or accident. Clear and unforeseeable pregnancy complications could qualify as covered under the general emergency illness clause, but routine pregnancy care and planned deliveries abroad are excluded. Domestic coverage excludes deliveries outside hospital settings.

Personal liability coverage is not included in the Néctar Contigo abroad coverage section. The legal assistance provision (item 11) covers only legal costs arising from traffic accidents, and the bail advance (item 12) is a loan, not a liability indemnification.

SANITAS pays up to €1,500 for lawyer and court representative fees arising from legal assistance following a traffic accident abroad. This coverage applies only when the insured is imprisoned or prosecuted as a result of a traffic accident. If this benefit is also covered by the vehicle insurance policy, the payment is treated as an advance to be repaid by SANITAS. A bail advance of up to €10,000 is also available as a loan (item 12).