Asisa health insurance reviews: Advantages & disadvantage

Are you looking for a reliable international health insurance to cover your back during long stays abroad? ASISA, one of the most popular insurers in Spain, offers solutions designed to suit different profiles and needs. Founded in 1971, it has become synonymous with reliability and security. A safe bet for those who need high-quality healthcare anywhere in the world. But how good is the user experience? Does it live up to its promises? Today, we’ll take a look at ASISA’s health insurance reviews: Coverage and the opinions of those who have already subscribed to its services.

What is ASISA and what international health insurances does it offer?

With more than five decades of experience, this insurer has built an excellent reputation thanks to a customer-focused approach. Although its base is in Spain, ASISA understands the needs of those studying, working, or travelling abroad. They offer solutions that guarantee peace of mind no matter the destination.

Their international health insurance is characterised by comprehensive coverage and flexibility, catering to students, expatriates, and frequent travellers. If you need a policy that ensures you are protected from any medical problem wherever you are, ASISA has options designed to protect you at every stage of your stay abroad. Let’s look at their most popular services for expatriates:

• ASISA International Basic: Designed to cover medical emergencies abroad with an annual limit of €30,000 ($32,700). It provides coverage for general consultations, hospitalisation, and outpatient surgery. Ideal for those looking for an affordable and efficient option.
• ASISA International Expanded: Designed for those needing a higher level of protection, covering up to €60,000 ($65,400) in medical expenses annually. It covers specialised treatments and pregnancy and childbirth care.
• ASISA International Comprehensive: This plan provides maximum coverage with an annual limit of €120,000 ($130,800). It can be used for both emergencies and regular treatments. It includes advanced services like psychotherapy, preventive medicine, and prosthetics.
• ASISA International Students Basic: Aimed at international students, covering medical emergencies up to €30,000 ($32,700) annually. It offers protection for consultations, hospitalisation, and minor procedures.
• ASISA International Students Expanded: For students seeking more peace of mind, this plan increases coverage to €60,000 ($65,400) annually and includes specialised care.
• ASISA International Students Comprehensive: This comprehensive option covers up to €120,000 ($130,800) per year and provides access to additional services like preventive medicine, advanced check-ups, and extended treatments.

What health services are covered by ASISA’s insurance?

When you’re far from home, having health coverage that meets your needs is crucial for feeling protected. The policies of this insurer provide comprehensive solutions to help you deal with any medical mishaps that might arise while abroad, from emergencies to major surgeries. Both emergencies and major surgeries. Here are some of the key coverage options included in their plans:

• General medical consultations: Access to doctors in health centres and hospitals for diagnosis, treatment, and regular check-ups.
• Hospitalisation and surgery coverage: Covers hospital stays for illness or accident, planned surgeries, and emergency surgeries.
• International emergency medical assistance: Support for urgent cases outside your country, with medical transfers if necessary.
• Specialised treatments: Care in specialties such as oncology, cardiology, and others.
• Preventive care: General check-ups, preventive reviews, and vaccinations.
• Pregnancy and childbirth coverage: Prenatal care, childbirth assistance, and postnatal care for the mother and newborn.
• Mental health and psychotherapy: Access to psychotherapy sessions and support for mental health issues in advanced plans.
• Prosthetics and medical devices: Financial assistance for prosthetics and medical devices needed after surgery or injury.
• Basic dental care: Coverage for essential dental procedures, with the option to upgrade to more advanced treatments.
• Prescription medication: Reimbursement or direct coverage of medications prescribed by professionals within ASISA’s network.

What healthcare or medical services are excluded in ASISA’s insurance?

Although ASISA’s international health insurance provides comprehensive coverage, certain services are not included or may require additional policy extensions. It’s important to be aware of these exclusions to avoid surprises and evaluate whether you need to supplement your insurance with additional coverage. Here are some of the services that you might need to pay for separately, should the case arise:

• Pre-existing conditions: The plans usually do not cover treatments related to medical conditions diagnosed before purchasing the insurance, unless specified otherwise in the contract.
• Aesthetic treatments: Any cosmetic procedures or plastic surgery that are not medically necessary are excluded.
• Illnesses or injuries resulting from high-risk activities: Such as extreme sports or dangerous activities, unless you purchase specific coverage for these activities.
• Long-term care: Services related to long-term care or home assistance are not covered.
• Experimental treatments: Therapies or procedures that are not supported by the international medical community or are considered experimental.
• Advanced dental care: Although the plans include basic dental care, complex treatments such as implants or orthodontics are not typically covered.
• Extended rehabilitation: Physiotherapy or extensive rehabilitation sessions often have limits on the number or types of services included.
• Luxury medical equipment: Medical devices or prosthetics with special features that exceed the standard medical terms.
• Specific vaccines not included in regular programmes: Some vaccines may not be covered, depending on the destination and the plan selected.

Opinions on ASISA health insurance prices

When considering purchasing international health insurance, price is a key factor. In ASISA’s case, their prices are aligned with the services provided, offering options that cover different levels of protection and budgets. This allows users to choose a plan that suits their needs, but it’s essential to assess both the initial cost and any additional payments that may arise.

Basic plans for students, for example, cost from €93.60 ($102). This is an affordable option for those looking for protection without spending too much. If you want more peace of mind, the expanded plan, which covers more specialised treatments, costs around €121 ($131) per month. On the other hand, expatriates seeking comprehensive protection can opt for the comprehensive plan, which costs €176 ($191) per month and includes advanced services such as psychotherapy and preventive check-ups.

Although the initial rates seem clear, it’s important to keep in mind potential co-pays and exclusions. Some user reviews highlight that certain services, such as dental treatments or specific medications, may not be included in all plans. This detail is particularly important if you are residing in a country with high medical costs.

Overall, ASISA stands out for offering competitive prices relative to the quality of its coverage. That said, before purchasing, make sure to thoroughly review the policy terms.

How’s customer service?

Now we reach one of the most important aspects to consider when contracting the services of an insurer. Knowing that you have a team ready to assist you at any time is crucial when living abroad. With ASISA, the customer service is designed to offer agile and efficient support, whether to resolve doubts, manage procedures, or address unforeseen situations. They offer several channels to get in touch with their team:

• 24/7 Phone line: For medical emergencies or urgent consultations. This channel is highly rated for its immediacy and availability in various languages.
• Email: A useful resource for managing administrative inquiries, such as sending documentation related to your policy or reimbursements.
• Online chat platform: A quick and accessible option for resolving doubts without the need for phone calls.
• Physical offices: Available in several Spanish cities, these offices are ideal for those who prefer in-person, personalised attention.
• Client portal and mobile app: Practical tools for managing your coverage, requesting reimbursements, or downloading documents from anywhere.

The overall experience of customers reflects satisfaction with the professionalism of the team and the various contact options. However, some users have noted that response times in certain channels, such as email, could be faster. Even so, ASISA stands out by offering solutions tailored to different needs and preferences. Remember that with Holafly’s monthly plans, you’ll stay connected wherever you are to get in touch with your insurer.

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ASISA Website and App Review

ASISA has developed both tools with the aim of offering an accessible and clear experience to its users, especially those managing their international health insurance from abroad.

Their website stands out for its intuitive design. It features organized menus that allow for smooth navigation between sections. Users can consult information about policies, perform price simulations, and sign up directly from the website. Furthermore, the system accepts various payment methods.

On the other hand, the mobile app complements the experience by allowing users to manage their policy from anywhere. Functions such as coverage consultation, reimbursement requests, and access to a list of associated doctors and hospitals are particularly valued. However, some reviews point out loading issues during peak demand times and the need to improve navigation within the app.

The general opinion about these tools is positive, although there is room for improvement. For users who prioritize the convenience of online management, ASISA offers practical solutions that meet the expectations of most policyholders.

Advantages and disadvantages of ASISA’s international health insurance

Choosing international health insurance means analysing the strengths and weaknesses of each option. ASISA, backed by its track record and reputation in the sector, has developed plans designed to ensure peace of mind in complex medical situations. However, not all needs are the same, and its policies may or may not be suitable depending on the individual’s profile.

To help you evaluate whether ASISA meets your expectations and if it’s the right service for you, we’ve highlighted the strong points that make ASISA stand out and the areas where they could improve their service in the table below.

Advantages and disadvantages of ASISA health insurance: User reviews

ASISA user experiences and customer reviews

In such a connected world, the experiences of other users have become an invaluable tool for making well-informed decisions. When contracting international health insurance, knowing firsthand how ASISA responds in key situations can be crucial to ensuring a satisfactory experience. What do ASISA’s customers think? Does it meet expectations when you really need it?

Let’s look at some of the most notable reviews from those who have already contracted ASISA’s services on essential aspects such as reimbursements, medical coverage, policy renewals, and compatibility with visa requirements. These experiences will help you decide if it’s the right option for you.

Reimbursement requests and bureaucracy with ASISA’s medical insurance: Customer opinions

One of the most discussed aspects by ASISA users is the reimbursement process. While many value the digital platform for managing these procedures positively, some also point out a few shortcomings:

• Positive aspects: Requesting reimbursements through the app is quick and easy to complete. Many users mention that response times are reasonable, especially for simple cases and previously approved expenses.
• Negative aspects: In more complex situations, such as reimbursements related to extended treatments, some customers have reported delays and additional paperwork that complicate the process.

Healthcare service coverage

The quality and scope of medical coverage is essential for any international health insurance. Here is where ASISA shows its strengths, though they also face certain challenges according to users.

• Positive aspects: The extensive coverage in emergencies and hospitalisation. Advanced plans are particularly valued for including services such as psychological care and specialised treatments.
• Negative aspects: Exclusions, such as pre-existing conditions or certain dental treatments, have been pointed out as areas for improvement. Some users mention that this can lead to additional costs they had not anticipated.

Renewal and Cancellation of Health Insurance

Insurance should offer flexibility to adjust to customers’ changing needs. Here, the opinions reflect diverse experiences with ASISA.

• Positive aspects: Many customers appreciate the automatic renewal of plans, ensuring continuity of coverage. Additionally, the ability to adjust the policy based on personal circumstances is well valued.
• Negative aspects: Some users have encountered difficulties when trying to cancel their plan, stating that the process isn’t as intuitive as expected and requires several additional steps.

Compatibility with visas and immigration procedures for ASISA’s health insurance: Customer opinions

For those travelling for studies, work, or residence, the compatibility of insurance with visa requirements is crucial. Opinions reflect both successes and areas for improvement in this section.

• Positive aspects: Customers value that ASISA’s coverage certificates meet visa requirements in most countries. The speed of issuing these documents is another strong point.
• Negative aspects: In more basic plans, some users note that these certificates don’t always meet the specific regulations of certain countries, forcing them to opt for more comprehensive and, therefore, more expensive coverage.

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