In Spain, they use a social care system, which means that health costs are basically covered. However, the health care system is not great. First of all, the waiting times are usually very long and it remains to be seen whether you will get a suitable specialist.
"Having to wait many hours for first aid is unfortunately no exception."
With collective health insurance you can use the desired specialist without long waiting times. Essential if something serious is going on.
You can take out collective health insurance with at least 5 employees. Firstly, this is often desired by staff and secondly, it is much cheaper. In Spain, you may involve both your employees and your immediate family or family of employees in the policy. This way you and your employees with family are all well covered.
All secondary employment arrangements such as pension savings and collective health insurance are tax deductible. Group health insurance is already cheaper and more attractive with a tax benefit. For a complete overview of business tax benefits, we would like to forward you to EuroEconomics.
Take note, health insurance applies for 1 year. This means that you are insured for a year and will in most cases be renewed tacitly every year. Should it not be extended for any reason, there is no need to worry. We work with more than 20 leading insurers and find a suitable alternative for you.
There is a possibility that you or your employees will be excluded from certain medical procedures. Example: If you had a heart attack before taking out insurance, everything about the heart will not be covered. We will be notified of this before taking out health insurance.
Dental insurance is usually not included in the basic cover. It is possible to add this as a supplement. Let us inform you about all possibilities.