INSURANCES
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Health Insurance
Activa Health
Complete medical health insurance that gives you access to specialist, primary medicine, hospitalization, analitics and treatments. Main benefits are following:
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- Reduced premium starting at 26,50 €/month
- Low copayments with a maximum of 395€/year
- High quality medical framework
- Hospitalisation, surgery, paediatrician, maternity, psychiatry and ATS service without limit and emergencies 24 hour
- Special treatments: Aerosol therapy, oxygen therapy, chemotherapy, electro radiotherapy, laser therapy, renal lithotripsy and tonsillectomy.
- Complementary dental care included
- Emergency assistance abroad up to 15.000 €
Adapta Health
Complete medical health insurance that gives you access to specialist, primary medicine, hospitalization, analitics and treatments. Main benefits are following:
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- Competitive Premium with no copayments
- High quality medical framework
- Hospitalisation, surgery, paediatrician, maternity, psychiatry and ATS service without limit and emergencies 24 hour
- Special treatments: Aerosol therapy, oxygen therapy, chemotherapy, electro radiotherapy, laser therapy, renal lithotripsy and tonsillectomy.
- Emergency assistance abroad up to 15.000 €
Integral Health
Complete medical health insurance that gives you access to specialist, primary medicine, hospitalization, analitics and treatments. Main benefits are following:
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- Competitive premium with minimum copayment only for the medical acts that you use
- High quality medical framework
- Hospitalisation, surgery, paediatrician, maternity, psychiatry and ATS service without limit and emergencies 24 hour
- Special treatments: Aerosol therapy, oxygen therapy, chemotherapy, electro radiotherapy, laser therapy, renal lithotripsy and tonsillectomy.
- Complementary dental care included
- Emergency assistance abroad up to 15.000 €
- Private room
Home Insurance
Benefits of a Home insurance with us
If you want your Spanish home to be well-covered at a great price and all this done by the second largest home insurer in Spain, then our Home Insurance is made for you.
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- Personalised assistance in English for your home 24/7/365 (Premium service)
- Best coverage adapted to your needs
- Travel assistance
- Maintain you home in perfect condition with our Home Assistance service
- 20% discount only for expats
- Liability for dogs included
- Covers any physical injury to third parties
Basic covers included
With our home insurances you will receive following basic covers included.
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- Water damage
- Roberry including burglery
- Breakages
- Aesthetic reconstruction
- Food deterioration
- Temporary transfers
- Civil liability
- Travel assistance
- Assistance at home
Optional covers available
If you wish you can also select optional extras that will raise your home insurance covers to the top:
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- Fully comprehensive property damage
- Vehicle and water vessel in the garage
- Accidental bodily injury
- Civil liability in relation to dangerous dogs
Car Insurance
Benefits of getting a car policy with us
Car insurance for expats is our speciality. Our team of Customer Service Advisors understand that you may have questions or queries about our insurance products and therefore we are ready to answer all your questions and find the car insurance that covers your needs.
Competitive premiums
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- Automatically full no claims discounts
- Instant cover available
- Multi-policy discounts
- Flexible payment options
- Increased excess discounts
- 90 day green card for European cover
- Up to 65% discounts over the standard rates
Basic Car Insurance
Our Basic insurance will have following covers included:
- Civil Liabiliy
- 24h Road Assistance
- Legal Defence
- Claims for fines
- Injuries caused by accidents
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You can add following additional covers to the insurances:
- Driver license withdrawal
- Replacement vehicle
- Cover for serious mechanical faults.
Third Party Car Insurance
Our third party will have following covers included:
- Civil Liabiliy
- 24h Road Assistance
- Legal Defence
- Claims for fines
- Injuries caused by accidents
- Fire
- Broken Windows
- Theft
- Car X Car
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You can add following additional covers to the insurances:
- Driver license withdrawal
- Replacement vehicle
- Cover for serious mechanical faults.
Fully Comprehensive Car Insurance
Our fully comp will have following covers included:
- Civil Liabiliy
- 24h Road Assistance
- Legal Defence
- Claims for fines
- Injuries caused by accidents
- Fire
- Broken Windows
- Theft
- Damage with excess
- Stop & Go
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You can add following additional covers to the insurances:
- Driver license withdrawal
- Replacement vehicle
- Cover for serious mechanical faults.
Whether you’re looking to protect the health, your home or your car, Tiekom can help.
Choose the insurance that best suits your needs, with the best coverage and special prices for expats.
The best way to offer quality service is to be close to you. That is why we keep improving day by day because you are our priority.
FAQs about our health insurance
- Be younger than 69 years old.
- Have a Spanish address.
- Have a NIE/NIF or passport.
- If you are a minor, the mother, father or legal guardian must be the policyholder.
Private health insurance is an annual policy which renews automatically. If you do not wish to renew your policy, you need to advise us by providing one month’s notice ahead of its expiry date.
Of course you can, the more the better. You Will get a discount on some of our products if you take out a family policy.
Along with the application for medical insurance, a health questionnaire is included. This consists of a health declaration signed by each one of the insured persons who will be included in the policy prior to it being formalised. It includes relevant questions regarding the state of health of each person to be insured. This questionnaire must be completed for each person to be insured (except in the case of minors under the age of 18, whose declaration will be made by their father/mother or legal guardian), where you are obliged to answer each question truthfully, and note down all known circumstances in relation to your health (past and current). These answers will be considered by the insuring entity, in order to make an accurate risk assessment with regard to the insurance policy, reject the policy or establish any exclusions of coverage for any of the pre-existing illnesses that may be declared by the insured persons (prior acceptance of the insured person).
In the event of falsehood, inaccuracy or intentional omission of information in any of the declarations made in the questionnaire, the Company may cancel the insurance policy.
Yes, it is possible. Our intention is to always be able to offer you a quality medical insurance policy that is tailored to your needs.
Yes, of course. For that to happen, the contract has to have been taken out remotely and the maximum length of time to cancel it is 14 days following receipt of the policy.
However, you will be charged for a proportional part of the services that have already been provided.
Depending on the product, the age limit is currently set between the ages of 64 and 69 years. Please check the product’s terms and conditions.
Yes. Age is one of the main factors for calculating the premium, as old age increases the risk of illness.
The insurance does not have a maximum term limit. If you are happy with us, we will be delighted to renew your policy on an annual basis.
FAQs about our car insurance
All you need to know are a few basic details about your vehicle, such as the vehicle model and year of registration in Spain. Plus a few more details related to your driving licence, such as the issue date.
You can add a second driver in the online form to take out the insurance, following the cost calculation step.
Yes. You can pay your insurance premium in installments, provided it is over €100. You can pay annually, twice-yearly, or quarterly.
You are covered by the insurance from the effective date and time of your policy.
Yes, because your insurance will be paid by direct debit.
You will receive an email containing a link to sign and download your documentation a few minutes after taking out your policy. This process is very straightforward.
You will be sent an SMS via which you can sign the documents. You will be able to download the general and specific terms and conditions, as well as the green card.
FAQs about our home insurance
The period of your insurance Coverage is one year. 60 days before the end of your contract we will send you the renewal information. At this time, you can call us to amend the conditions of your home insurance policy and automatically renew.
You have the right to cancel your contract whenever you want. In this case, however, Caser is under no obligation to return the part of the premium that Coverages the remaining part of the contract. This means that if you take out a policy in May and cancel in December, the amount that remains until May of the following year will not be refunded.
Before renewing your insurance, Caser will advise you of the renewal terms. If you do not wish to continue, you can advise us of this in writing.
When you are granted a mortgage to buy a property, the financial entity will require you to take out an insurance policy, that Coverages at least third party fire and theft, to a minimum amount which is equal to the value of the mortgage. Nevertheless, you do not have to take out insurance with the insurance company that they offer you. You can also do so with any other insurance provider and forward a copy of the policy that you take out to your mortgage provider.
In the event of a claim, the financial entity will charge the compensation directly, up to the limit of the amount repaid on the date of the incident.
The insurance is in place as soon as you have paid the corresponding premium.
Everything you need to know about your Coverage
With Caser, you can choose the Coverage that you really need. As you can see in Coverage (link to Caser Home Insurance), there are four types. Basic Coverage and Civil Liability are mandatory parts of your policy. The Optional Coverages and Special Coverages can be added according to your requirements.
Yes, you can insure the property as long as it is used as a house and complies with the required living conditions, however it will continue to serve a different legal purpose. What is not Coverageed are accidents that occur in the pursuit of a profession. If you are a painter or sculptor, therefore, or you renovate classic cars, it is better to have a specific place for this activity and a Professional Liability Coverage in place [link to Professional Liability Coverage].
Our premium calculator is designed to help you. With just a few simple questions we will suggest a value. The information that we need and that we will request throughout the process of calculating your premium is as follows:
- Type of property
- Area M2
- Quality of the property
- Use of the property
- Province where the property is located
- As well as to calculate the value of the property, this will help us to establish the value of your furniture and furnishings.
The first thing that you must do is to take necessary measures to reduce the consequences of the incident, always within the margins of safety. Having done so, you should get in touch with Caser to inform us about the circumstances and consequences if the incident. Caser sets a maximum term of 7 calendar days since the event. For robbery, theft, assault and malicious acts, you must file a report which lists the objects which have been damaged or stolen.
Caser provides 24 h telephone assistance 365 days a year, as shown in the terms of your policy. What’s more, if you are registered with our e-client, you can register a claim online. It’s that easy.
In any case, Caser must pay, within 40 days of receipt of the declaration of the incident, the minimum amount that it will owe according to the facts of the situation.
Currently the only method of payment accepted is direct debit.
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