Integral: comprehensive private health cover including hospital
Licensed Broker
DGSFP Registered
Everything Médica gives you, plus unlimited hospitalisation, surgery, ICU and pharmacy reimbursement. Our most popular plan for families and anyone over 40.
Up to 40% off when you take out a policy now (30% standard promo + up to 10% extra for 2+ insured).
From €36.00
per person / month
Payment: Annual, half-yearly, quarterly or monthly - no surcharges.
Real-world examples
After current promotional discount.
Healthy adult; final price depends on age, region and questionnaire.
Bonuses included
- €100 gift for prescription glasses
- Up to €200 for hearing aids
- 50% pharmacy reimbursement (up to €100/yr per insured)
- 50% optician reimbursement (up to €100/yr per insured)
Health insurance quotes take a minimum of 24 hours - we complete the questionnaire with you by phone.
What's covered
Cover included as standard with Comprehensive (hospital + outpatient)
Hospitalisation - unlimited days
Medical, surgical, paediatric, maternity and ICU. Single private room with companion bed. Psychiatric admissions up to 60 days/year.
45+ medical specialities
Unlimited specialist access without referral. Cardiology, dermatology, gynaecology, neurology, oncology and more.
Full diagnostic suite
MRI, CT, ultrasound, ECG, endoscopy, lab analyses, digital dermatoscopy and more, all when medically prescribed.
Advanced surgery
Da Vinci robotic prostate surgery, oncological therapeutic targeting, post-heart-attack cardiac rehab, Barrett's oesophagus radiofrequency, healthy breast symmetry post-oncology.
Pharmacy & optician reimbursement
50% of pharmacy and child vaccination costs (up to €100/yr per insured). 50% of optician costs (up to €100/yr per insured).
Emergencies
Hospital emergencies with ambulance, plus home visits when you can't travel. 24-hour medical advice line.
Cover abroad
Up to €15,000/yr per person for medical expenses outside Spain. Repatriation, medication delivery, companion travel, interpreter.
Mental health
20 individual psychology sessions/yr (extra 20 for eating disorders), mental-health advisor, anxiety/mood assessments, online wellness courses, 30 digital sessions/yr for under-18s.
Pregnancy & fertility
Family planning, IUD, prenatal screening, childbirth prep, postpartum care to day 28. Plus 3 IUI attempts and 1 IVF cycle.
Basic dental included
14 free basic services plus price-capped treatments via Caser dental network. (For full dental, see Adapta+Dental.)
Telemedicine - no copay (no-copay tier)
Unlimited video and phone consultations via Centro Médico Caser. AI symptom evaluator, Selfie Health body scan, shared records in app.
Stem cell preservation
Up to €600 reimbursement for umbilical cord blood stem cell cryopreservation.
Co-payment options
Choose how co-payments work on your policy.
Fixed annual premium regardless of how often you use the plan. Best if you visit doctors frequently.
Lower annual premium. First 10 copayments per insured per year are free; after that a small per-visit charge applies, capped at €395 per insured per year.
Waiting periods
- ·Family planning: 8 months
- ·Surgical interventions and hospital admissions (non-emergency): 8 months
- ·Childbirth: 8 months
- ·Oncological, cardiovascular, dialysis, lithotripsy: 8 months
- ·Postpartum care: 8 months
- ·Assisted reproduction: 24 months
- ·All other coverage: from day one
- ·Switching from a comparable insurer with 1+ years' cover? All waiting periods waived except assisted reproduction.
Network strength
- ·13,000+ medical centres across Spain (mainland, Canary and Balearic Islands)
- ·45,000+ healthcare professionals
- ·Partnerships include Quirónsalud, HLA Grupo Hospitalario, MD Anderson Cancer Center, Fundación Jiménez Díaz
- ·Caser Salud app: directory, authorisations, reimbursements, digital card
What's not covered
Be clear on what's excluded so you can decide if this tier suits you.
- Treatments excluded by the General Conditions (cosmetic surgery, experimental treatments, etc.)
- Pre-existing conditions disclosed in the health questionnaire that the insurer chooses to exclude
- Procedures during the 8-month waiting period (waived if switching from a similar plan with 1+ years' seniority)
- Assisted reproduction during the 24-month waiting period
- Psychology sessions beyond the annual cap (20 standard, 40 for eating disorders)
- Claims abroad above the €15,000 annual limit
- Pharmacy and optician reimbursement above the €100/yr cap
Integral, in one paragraph
Integral is the comprehensive Caser health plan we recommend for families and anyone over 40, basically anyone who actually wants hospital cover, not just outpatient. You get everything in Médica (GP, 45+ specialities, diagnostics, telemedicine, mental health), plus unlimited hospitalisation, surgery, ICU, advanced procedures (robotic surgery, oncological targeting), and 50% reimbursement on pharmacy and optician costs. Single private room with companion bed in every hospital admission. Family Pack of 3 from €152.01/mo with the current promo.
When Integral is the right call
Pick Integral if you want one plan that covers everything: routine GP visits, fast specialist access, the surgery if it ever happens, and pharmacy bills. It is the most-bought plan in our portfolio because it's the simplest decision: no second-guessing whether your back-home insurer covers a hospital stay in Spain, and no surprise bills.
If you almost never see a doctor and want to pay less, look at Médica (outpatient only). If full dental matters more to you than pharmacy reimbursement, Adapta+Dental is the better choice. If you want to choose any specialist worldwide and get reimbursed, see Prestigio.
Why Integral through ExpatInsurances
We've been arranging Caser policies for English, German, Finnish, Swedish and Spanish-speaking residents in Spain since 2011. Caser is one of Spain's longest-standing insurers, over 75 years in the market, and we are a multiportfolio agency, so the same person who quotes your health policy can also handle your home, car, pet or travel cover. One contact, five languages, full Spain (mainland, Canary and Balearic Islands).
How quoting works
No commitment until you accept. We never share your data with third parties.
- You request a quote via the form, WhatsApp or phone.
- We call you back within 24 hours and complete the official Caser health questionnaire with you in your language.
- You get a final price, in writing, with the exact cover you'll receive.
- Cover starts on the date in your contract, once the first month is paid.
Full policy
Legally binding terms in the Integral General Conditions of Contract PDF. The PDF prevails if anything on this page differs.
Frequently asked questions
How is Integral different from Médica?
Integral adds unlimited hospitalisation, surgery and ICU cover, plus pharmacy and optician reimbursement and access to advanced procedures (robotic surgery, oncological targeting). Médica is outpatient only - cheaper but no hospital cover.
How much does Integral cost?
Family Pack of 3 from €152.01/mo with the current 30% promo. Single adults from €36/mo. Final price depends on age, region and health questionnaire - calculate yours in under a minute via our quote form.
Can I add my children?
Yes - add them as beneficiaries. Family discounts apply. Newborns can be added within 15 days with no waiting periods or pre-existing-condition restrictions if you've held the policy for 8+ months.
What's the difference between with and without copayment?
Without copayment = higher fixed monthly premium, no per-visit charge. With copayment = lower premium, first 10 visits/yr free, then a small fee per visit (capped at €395/yr). Choose 'with' if you rarely visit; 'without' if you do.
Are pre-existing conditions covered?
Each insured signs a health declaration. Some conditions can be excluded. Always declare honestly - false or omitted info can void cover.
Does Integral cover IVF?
Yes - diagnosis and treatment of infertility, including 3 artificial-insemination attempts and 1 IVF cycle. Note the 24-month waiting period (the only one not waived for switchers).
Will I get a private room in hospital?
Yes - single private room with companion bed included for all medical, surgical, paediatric, maternity and ICU admissions.
What if I'm abroad?
Cover up to €15,000/yr per insured for medical expenses outside Spain. Includes repatriation, medication delivery, companion travel/accommodation and interpreter services.
How does the policy renew?
Annually and automatically. You can decline renewal in writing at least 1 month before expiry.
Can I switch to a different plan later?
Yes - at renewal you can move to Adapta+Dental (full dental included) or Prestigio (any specialist, reimbursement) without losing seniority. Talk to us before deciding.
Get your Comprehensive (hospital + outpatient) quote
Fill in the details and our team will come back to you with a written quote.
Compare with other Caser tiers
Same insurer, different cover levels. Find the fit for your situation.
Policy documents
- Integral - General Conditions of Contract
Full legally-binding terms.
Underwritten by Caser - 75+ years in Spain
Caja de Seguros Reunidos, Compañía de Seguros y Reaseguros S.A. (Caser)
Registered with the Dirección General de Seguros y Fondos de Pensiones.