EcoGenio®
Group health insurance for companies in Spain
Explore our range of benefits
For reference only. The General Conditions of Insurance remain the leading document.
Classic
Plus
Top
Benefits EcoGenio
Annual overall limit
Classic – Annual overall limit :
€ 2,500,000 /
$ 3,250,000
$ 3,250,000
Plus – Annual overall limit :
€ 8,000,000 /
$ 10,400,000
$ 10,400,000
Top – Annual overall limit :
unlimited
Inpatient treatment*
Accommodation in a private or semi-private room
Classic – Accommodation in a private or semi-private room :
Plus – Accommodation in a private or semi-private room :
Top – Accommodation in a private or semi-private room :
Medical treatment
Classic – Medical treatment :
Plus – Medical treatment :
Top – Medical treatment :
Nursing care by qualified nursing staff as directed by a doctor
Classic – Nursing care by qualified nursing staff as directed by a doctor :
Plus – Nursing care by qualified nursing staff as directed by a doctor :
Top – Nursing care by qualified nursing staff as directed by a doctor :
Other ancillary costs
Classic – Other ancillary costs :
Plus – Other ancillary costs :
Top – Other ancillary costs :
Inpatient surgery
Classic – Inpatient surgery :
Plus – Inpatient surgery :
Top – Inpatient surgery :
Drugs and dressings
Classic – Drugs and dressings :
Plus – Drugs and dressings :
Top – Drugs and dressings :
Therapies/physiotherapy, including massages
Classic – Therapies/physiotherapy, including massages :
Plus – Therapies/physiotherapy, including massages :
Top – Therapies/physiotherapy, including massages :
Therapeutic aids and appliances
Classic – Therapeutic aids and appliances :
Plus – Therapeutic aids and appliances :
only if needed as a life-saving measure, such as cardiac pacemakers
Top – Therapeutic aids and appliances :
if needed as a life-saving measure, such as cardiac pacemakers; in addition, reimbursement for non life-saving therapeutic aids and appliances, such as artificial limbs/prostheses up to € 2,000 / $ 2,600
Pregnancy & childbirth, services of a midwife or obstetric nurse (screenings excluded)
Classic – Pregnancy & childbirth, services of a midwife or obstetric nurse (screenings excluded) :
Plus – Pregnancy & childbirth, services of a midwife or obstetric nurse (screenings excluded) :
up to € 5,000 / $ 6,500
Top – Pregnancy & childbirth, services of a midwife or obstetric nurse (screenings excluded) :
Complications of pregnancy and childbirth
Classic – Complications of pregnancy and childbirth :
Plus – Complications of pregnancy and childbirth :
Top – Complications of pregnancy and childbirth :
Newborn care
Classic – Newborn care :
Plus – Newborn care :
Top – Newborn care :
Outpatient childbirth
Classic – Outpatient childbirth :
Plus – Outpatient childbirth :
Lump sum of € 250 / $ 325 per newborn baby without proof of costs on presentation of the birth certificate
Top – Outpatient childbirth :
Lump sum of € 500 / $ 650 per newborn baby without proof of costs on presentation of the birth certificate
Transport to the nearest suitable hospital
Classic – Transport to the nearest suitable hospital :
Plus – Transport to the nearest suitable hospital :
Top – Transport to the nearest suitable hospital :
Bone marrow and organ transplants
Classic – Bone marrow and organ transplants :
Plus – Bone marrow and organ transplants :
up to a maximum of € 150,000 / $ 195,000 for the duration of the group contract
Top – Bone marrow and organ transplants :
Psychiatric treatment
Classic – Psychiatric treatment :
up to 20 days, provided that we have agreed in writing to pay benefits before treatment commences
Plus – Psychiatric treatment :
up to 20 days, provided that we have agreed in writing to pay benefits before treatment commences
Top – Psychiatric treatment :
up to 50 days, provided that we have agreed in writing to pay benefits before treatment commences
Inpatient psychotherapy
Classic – Inpatient psychotherapy :
Plus – Inpatient psychotherapy :
up to 10 sessions, provided that we have agreed in writing to pay benefits before treatment commences
Top – Inpatient psychotherapy :
up to 20 sessions, provided that we have agreed in writing to pay benefits before treatment commences
Parent rooming-in during inpatient treatment of an underage child
Classic – Parent rooming-in during inpatient treatment of an underage child :
Plus – Parent rooming-in during inpatient treatment of an underage child :
Top – Parent rooming-in during inpatient treatment of an underage child :
Nursing care at home and domestic help
Classic – Nursing care at home and domestic help :
Plus – Nursing care at home and domestic help :
up to a period of 7 days
Top – Nursing care at home and domestic help :
up to a period of 14 days
Nursing care at home after childbirth, instead of a hospital stay
Classic – Nursing care at home after childbirth, instead of a hospital stay :
Plus – Nursing care at home after childbirth, instead of a hospital stay :
up to a period of 5 days
if pre-approved
if pre-approved
Top – Nursing care at home after childbirth, instead of a hospital stay :
up to a period of 5 days
if pre-approved
if pre-approved
Substitute cash plan benefit for inpatient treatment
Classic – Substitute cash plan benefit for inpatient treatment :
Plus – Substitute cash plan benefit for inpatient treatment :
€ 50 / $ 65
Top – Substitute cash plan benefit for inpatient treatment :
€ 100 / $ 130
per day
per day
Inpatient follow-up rehabilitation
Classic – Inpatient follow-up rehabilitation :
Plus – Inpatient follow-up rehabilitation :
up to a period of 14 days provided that we have agreed in writing to pay benefits before treatment commence
Top – Inpatient follow-up rehabilitation :
up to a period of 21 days provided that we have agreed in writing to pay benefits before treatment commences
Hospice
Classic – Hospice :
Plus – Hospice :
Top – Hospice :
up to 7 weeks
Inpatient dental treatment
Classic – Inpatient dental treatment :
Plus – Inpatient dental treatment :
Top – Inpatient dental treatment :
Emergency dental treatment
Classic – Emergency dental treatment :
Plus – Emergency dental treatment :
Top – Emergency dental treatment :
Outpatient treatment
Maximum outpatient limit
Classic – Maximum outpatient limit :
€ 10,000 / $ 13,000
Plus – Maximum outpatient limit :
Geo Area I:
€ 60,000 / $ 78,000
Geo Area II:
€ 30,000 / $ 39,000
€ 60,000 / $ 78,000
Geo Area II:
€ 30,000 / $ 39,000
Top – Maximum outpatient limit :
Medical treatment
Classic – Medical treatment :
Max. outpatient limit applies
Plus – Medical treatment :
Max. outpatient limit applies
Top – Medical treatment :
Outpatient surgery
Classic – Outpatient surgery :
Max. outpatient limit applies
Plus – Outpatient surgery :
Max. outpatient limit applies
Top – Outpatient surgery :
Chemotherapy, oncological drugs and treatment (e.g. for cancer patients
Classic – Chemotherapy, oncological drugs and treatment (e.g. for cancer patients :
Plus – Chemotherapy, oncological drugs and treatment (e.g. for cancer patients :
Top – Chemotherapy, oncological drugs and treatment (e.g. for cancer patients :
Health checks for adults and children aged 2 years old and over
Classic – Health checks for adults and children aged 2 years old and over :
Plus – Health checks for adults and children aged 2 years old and over :
up to € 500*
/ $ 650
/ $ 650
Top – Health checks for adults and children aged 2 years old and over :
up to € 1,000 / $ 1,300
Health checks for children aged under 2 years old
Classic – Health checks for children aged under 2 years old :
Plus – Health checks for children aged under 2 years old :
Max. outpatient limit applies
Top – Health checks for children aged under 2 years old :
Vaccinations
Classic – Vaccinations :
Plus – Vaccinations :
up to € 250*
/ $ 325*
/ $ 325*
Top – Vaccinations :
Maternity care and childbirth, services of a midwife or obstetric nurse
Classic – Maternity care and childbirth, services of a midwife or obstetric nurse :
Plus – Maternity care and childbirth, services of a midwife or obstetric nurse :
up to € 2,000*
/ $ 2,600*
/ $ 2,600*
Top – Maternity care and childbirth, services of a midwife or obstetric nurse :
Complications of pregnancy and childbirth
Classic – Complications of pregnancy and childbirth :
Plus – Complications of pregnancy and childbirth :
up to € 10,000*
/ $ 13,000*
/ $ 13,000*
Top – Complications of pregnancy and childbirth :
Pre and post-natal classes
Classic – Pre and post-natal classes :
Plus – Pre and post-natal classes :
Top – Pre and post-natal classes :
up to € 250 / $ 325
Hormone replacement therapy
Classic – Hormone replacement therapy :
Plus – Hormone replacement therapy :
up to € 500*
/ $ 650*
/ $ 650*
Top – Hormone replacement therapy :
up to € 1,000 / $ 1,300
Acupuncture (needle technique), homeopathy, osteopathy and chiropractic, including drugs and dressings
Classic – Acupuncture (needle technique), homeopathy, osteopathy and chiropractic, including drugs and dressings :
Plus – Acupuncture (needle technique), homeopathy, osteopathy and chiropractic, including drugs and dressings :
up to € 500*
/ $ 650*
/ $ 650*
Top – Acupuncture (needle technique), homeopathy, osteopathy and chiropractic, including drugs and dressings :
p to € 1,000 / $ 1,300
Speech therapy
Classic – Speech therapy :
Plus – Speech therapy :
up to 10 sessions*, provided that we have agreed in writing to pay benefits before treatment commences
Top – Speech therapy :
up to 20 sessions, provided that we have agreed in writing to pay benefits before treatment commences
Psychiatric treatment
Classic – Psychiatric treatment :
up to 10 sessions*, provided that we have agreed in writing to pay benefits before treatment commences
Plus – Psychiatric treatment :
up to 20 sessions*, provided that we have agreed in writing to pay benefits before treatment commences
Top – Psychiatric treatment :
provided that we have agreed in writing to pay benefits before treatment commences
Outpatient psychotherapy
Classic – Outpatient psychotherapy :
Plus – Outpatient psychotherapy :
up to 10 sessions*, provided that we have agreed in writing to pay benefits before treatment commences
Top – Outpatient psychotherapy :
up to 20 sessions, provided that we have agreed in writing to pay benefits before treatment commences
Drugs and dressings
Classic – Drugs and dressings :
Max. outpatient limit applies
Plus – Drugs and dressings :
Max. outpatient limit applies
Top – Drugs and dressings :
Therapies/physiotherapy, including massages
Classic – Therapies/physiotherapy, including massages :
up to 10 sessions*
Plus – Therapies/physiotherapy, including massages :
up to 20 sessions*
Top – Therapies/physiotherapy, including massages :
Therapeutic aids and appliances
Classic – Therapeutic aids and appliances :
Plus – Therapeutic aids and appliances :
up to € 2,000* / $ 2,600*
Top – Therapeutic aids and appliances :
Wigs and prosthetic bras following cancer treatment
Classic – Wigs and prosthetic bras following cancer treatment :
up to € 300* / $ 390*
Plus – Wigs and prosthetic bras following cancer treatment :
up to € 300* / $ 390*
Top – Wigs and prosthetic bras following cancer treatment :
up to € 300* / $ 390*
Nutritional consultations
Classic – Nutritional consultations :
Plus – Nutritional consultations :
up to € 125* / $ 162.50*
Top – Nutritional consultations :
up to € 250 / $ 325
Podiatry
Classic – Podiatry :
Plus – Podiatry :
up to € 100* / $ 130*
Top – Podiatry :
up to € 200 / $ 260
Vision aids
Classic – Vision aids :
Plus – Vision aids :
Top – Vision aids :
up to € 200 / $ 260
Hearing aids
Classic – Hearing aids :
Plus – Hearing aids :
up to € 500* / $ 650*
Top – Hearing aids :
up to € 2,000 / $ 2,600
Transport to the nearest suitable doctor or hospital
Classic – Transport to the nearest suitable doctor or hospital :
Plus – Transport to the nearest suitable doctor or hospital :
Top – Transport to the nearest suitable doctor or hospital :
Infertility treatment
Classic – Infertility treatment :
Plus – Infertility treatment :
Top – Infertility treatment :
50% up to a maximum of € 10,000 / $ 13,000 per insured couple per lifetime
Dental treatment
Maximum dental limit
Classic – Maximum dental limit :
€ 500 / $ 650
Plus – Maximum dental limit :
€ 2,000 / $ 2,600
Top – Maximum dental limit :
€ 5,000 / $ 6,500
Screenings
Classic – Screenings :
100%*
up to 2 screenings per year
up to 2 screenings per year
Plus – Screenings :
100%*
up to 2 screenings per year
up to 2 screenings per year
Top – Screenings :
100%*
up to 2 screenings per year
up to 2 screenings per year
Minor dental services
Classic – Minor dental services :
50%*
Plus – Minor dental services :
70%
up to € 1,000*
/ $ 1,300*
up to € 1,000*
/ $ 1,300*
Top – Minor dental services :
90%
up to € 2,000*
/ $ 2,600*
up to € 2,000*
/ $ 2,600*
Dentures (for example, prostheses, bridges and crowns
Classic – Dentures (for example, prostheses, bridges and crowns :
Plus – Dentures (for example, prostheses, bridges and crowns :
70%*
Top – Dentures (for example, prostheses, bridges and crowns :
90%*
Implants
Classic – Implants :
Plus – Implants :
70%*
Top – Implants :
90%*
Treatment related to analysis and therapy of dental function
Classic – Treatment related to analysis and therapy of dental function :
Plus – Treatment related to analysis and therapy of dental function :
70%*
Top – Treatment related to analysis and therapy of dental function :
90%*
Dental laboratory work and materials
Classic – Dental laboratory work and materials :
Plus – Dental laboratory work and materials :
70%*
Top – Dental laboratory work and materials :
90%*
Accidental dental treatment
Classic – Accidental dental treatment :
Plus – Accidental dental treatment :
Top – Accidental dental treatment :
Medical assistance
24-hour phone and e-mail service with experienced counsellors, own doctors and specialists
Classic – 24-hour phone and e-mail service with experienced counsellors, own doctors and specialists :
Plus – 24-hour phone and e-mail service with experienced counsellors, own doctors and specialists :
Top – 24-hour phone and e-mail service with experienced counsellors, own doctors and specialists :
Medical evacuation and repatriation
Classic – Medical evacuation and repatriation :
Plus – Medical evacuation and repatriation :
Top – Medical evacuation and repatriation :
Information on medical infrastructure (local medical care and names and addresses of multilingual doctors)
Classic – Information on medical infrastructure (local medical care and names and addresses of multilingual doctors) :
Plus – Information on medical infrastructure (local medical care and names and addresses of multilingual doctors) :
Top – Information on medical infrastructure (local medical care and names and addresses of multilingual doctors) :
Support and information by our medical service (second opinion, monitoring of the course of the illness)
Classic – Support and information by our medical service (second opinion, monitoring of the course of the illness) :
Plus – Support and information by our medical service (second opinion, monitoring of the course of the illness) :
Top – Support and information by our medical service (second opinion, monitoring of the course of the illness) :
Assumption of costs guarantee (preparation for a stay in hospital)
Classic – Assumption of costs guarantee (preparation for a stay in hospital) :
Plus – Assumption of costs guarantee (preparation for a stay in hospital) :
Top – Assumption of costs guarantee (preparation for a stay in hospital) :
Organizational support in case of bereavement, share of repatriation costs
Classic – Organizational support in case of bereavement, share of repatriation costs :
up to € 2,500/ $ 3,250
Plus – Organizational support in case of bereavement, share of repatriation costs :
up to € 5,000/ $ 6,500
Top – Organizational support in case of bereavement, share of repatriation costs :
up to € 10,000/ $ 13,000
Appropriate additional medical support (information on the nature, possible causes and possible treatment of an illness)
Classic – Appropriate additional medical support (information on the nature, possible causes and possible treatment of an illness) :
Plus – Appropriate additional medical support (information on the nature, possible causes and possible treatment of an illness) :
Top – Appropriate additional medical support (information on the nature, possible causes and possible treatment of an illness) :
Online services
Classic – Online services :
Plus – Online services :
Top – Online services :
Additional assistance
Additional support
Classic – Additional support :
Plus – Additional support :
Top – Additional support :
Organizing visits for a relative to the patient
Classic – Organizing visits for a relative to the patient :
Plus – Organizing visits for a relative to the patient :
up to € 1,500 / $ 1,950
Top – Organizing visits for a relative to the patient :
up to € 3,000 / $ 3,900
Procurement and shipment of vital medication
Classic – Procurement and shipment of vital medication :
Plus – Procurement and shipment of vital medication :
Top – Procurement and shipment of vital medication :
Organizing return journey
Classic – Organizing return journey :
Plus – Organizing return journey :
up to € 2,000 / $ 2,600
Top – Organizing return journey :
up to € 2,000 / $ 2,600
Travel costs of insured members to be with a family member who is at peril of death or who has died
Classic – Travel costs of insured members to be with a family member who is at peril of death or who has died :
Plus – Travel costs of insured members to be with a family member who is at peril of death or who has died :
Top – Travel costs of insured members to be with a family member who is at peril of death or who has died :
up to € 3,000 / $ 3,900
Travel costs for an accompanying person, in the event of repatriation of an insured person
Classic – Travel costs for an accompanying person, in the event of repatriation of an insured person :
Plus – Travel costs for an accompanying person, in the event of repatriation of an insured person :
up to € 1,500 / $ 1,950
Top – Travel costs for an accompanying person, in the event of repatriation of an insured person :
up to € 3,000 / $ 3,900
Organizing return transport or care for the children
Classic – Organizing return transport or care for the children :
Plus – Organizing return transport or care for the children :
Top – Organizing return transport or care for the children :
Organizing help in the event of legal difficulties
Classic – Organizing help in the event of legal difficulties :
Plus – Organizing help in the event of legal difficulties :
Top – Organizing help in the event of legal difficulties :
Telemedicine
Classic – Telemedicine :
Plus – Telemedicine :
Top – Telemedicine :
Included
Not included
Additional information
Classic
Benefits EcoGenio
Annual overall limit
€ 2,500,000 /
$ 3,250,000
Inpatient treatment*
Accommodation in a private or semi-private room
✓
Medical treatment
✓
Nursing care by qualified nursing staff as directed by a doctor
✓
Other ancillary costs
✓
Inpatient surgery
✓
Drugs and dressings
✓
Therapies/physiotherapy, including massages
✓
Therapeutic aids and appliances
✓
Pregnancy & childbirth, services of a midwife or obstetric nurse (screenings excluded)
Complications of pregnancy and childbirth
Newborn care
Outpatient childbirth
Transport to the nearest suitable hospital
✓
Bone marrow and organ transplants
Psychiatric treatment
✓ up to 20 days, provided that we have agreed in writing to pay benefits before treatment commences
Inpatient psychotherapy
Parent rooming-in during inpatient treatment of an underage child
Nursing care at home and domestic help
Nursing care at home after childbirth, instead of a hospital stay
Substitute cash plan benefit for inpatient treatment
Inpatient follow-up rehabilitation
Hospice
Inpatient dental treatment
Emergency dental treatment
✓
Outpatient treatment
Maximum outpatient limit
€ 10,000 / $ 13,000
Medical treatment
Max. outpatient limit applies
Outpatient surgery
Max. outpatient limit applies
Chemotherapy, oncological drugs and treatment (e.g. for cancer patients
✓
Health checks for adults and children aged 2 years old and over
Health checks for children aged under 2 years old
Vaccinations
Maternity care and childbirth, services of a midwife or obstetric nurse
Complications of pregnancy and childbirth
Pre and post-natal classes
Hormone replacement therapy
Acupuncture (needle technique), homeopathy, osteopathy and chiropractic, including drugs and dressings
Speech therapy
Psychiatric treatment
✓ up to 10 sessions*, provided that we have agreed in writing to pay benefits before treatment commences
Outpatient psychotherapy
Drugs and dressings
Max. outpatient limit applies
Therapies/physiotherapy, including massages
up to 10 sessions*
Therapeutic aids and appliances
Wigs and prosthetic bras following cancer treatment
up to € 300* / $ 390*
Nutritional consultations
Podiatry
Vision aids
Hearing aids
Transport to the nearest suitable doctor or hospital
✓
Infertility treatment
Dental treatment
Maximum dental limit
€ 500 / $ 650
Screenings
100%*
up to 2 screenings per year
Minor dental services
50%*
Dentures (for example, prostheses, bridges and crowns
Implants
Treatment related to analysis and therapy of dental function
Dental laboratory work and materials
Accidental dental treatment
✓
Medical assistance
24-hour phone and e-mail service with experienced counsellors, own doctors and specialists
✓
Medical evacuation and repatriation
✓
Information on medical infrastructure (local medical care and names and addresses of multilingual doctors)
✓
Support and information by our medical service (second opinion, monitoring of the course of the illness)
✓
Assumption of costs guarantee (preparation for a stay in hospital)
✓
Organizational support in case of bereavement, share of repatriation costs
up to € 2,500/ $ 3,250
Appropriate additional medical support (information on the nature, possible causes and possible treatment of an illness)
✓
Online services
✓
Additional assistance
Additional support
Organizing visits for a relative to the patient
Procurement and shipment of vital medication
Organizing return journey
✓
Travel costs of insured members to be with a family member who is at peril of death or who has died
Travel costs for an accompanying person, in the event of repatriation of an insured person
Organizing return transport or care for the children
Organizing help in the event of legal difficulties
Telemedicine
✓
Have a question?
Call or email us today to discuss your individual or group healthcare needs. We will be happy to help you find the plan that works best for you or your employees.
Give us a call:
+352 437 43 4245
You can also reach us by email. We will get back to you as soon as possible.
Terms and conditions
EcoGenio®
Brochure (ES)
EcoGenio®
General conditions (ES)