{"id":1974,"date":"2025-06-24T14:49:08","date_gmt":"2025-06-24T14:49:08","guid":{"rendered":"https:\/\/lawebdeseguros.com\/?page_id=1974"},"modified":"2025-10-17T12:45:40","modified_gmt":"2025-10-17T10:45:40","slug":"hospitalisation-insurance","status":"publish","type":"page","link":"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/hospitalisation-insurance\/","title":{"rendered":"Hospitalisation Insurance"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Contents\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #0a225d;color:#0a225d\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #0a225d;color:#0a225d\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/hospitalisation-insurance\/#Seguro_de_Hospitalizacion_que_es_y_como_contratarlo\" >Hospitalisation insurance: what it is and how to take it out<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/hospitalisation-insurance\/#%C2%BFQue_es_un_seguro_de_hospitalizacion\" >What is hospitalisation insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/hospitalisation-insurance\/#%C2%BFQue_cubre_un_seguro_de_hospitalizacion_diaria\" >What does daily hospitalisation insurance cover?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/hospitalisation-insurance\/#Exclusiones_habituales_y_periodos_de_carencia\" >Usual exclusions and qualifying periods<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/hospitalisation-insurance\/#Diferencias_entre_seguro_medico_y_seguro_de_hospitalizacion\" >Differences between health insurance and hospitalisation insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/hospitalisation-insurance\/#%C2%BFQuien_puede_contratar_un_seguro_de_hospitalizacion\" >Who can take out hospitalisation insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/hospitalisation-insurance\/#Cuanto_cuesta_un_seguro_de_hospitalizacion_en_Espana\" >How much does hospitalisation insurance cost in Spain?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/hospitalisation-insurance\/#%C2%BFCuales_son_las_ventajas_principales\" >What are the main advantages?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/hospitalisation-insurance\/#%C2%BFEs_para_todo_el_mundo\" >Is it for everyone?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/hospitalisation-insurance\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Seguro_de_Hospitalizacion_que_es_y_como_contratarlo\"><\/span>Hospitalisation insurance: what it is and how to take it out<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Imagine that an unexpected fall, an operation or an illness forces you to spend several days in hospital. In addition to the physical and emotional impact, you are faced with daily expenses that may not be covered by the public health system or your health insurance. How do you deal with them without destabilising your finances? This is where the <strong>hospitalisation insurance<\/strong>a solution designed to help you at just such times.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_es_un_seguro_de_hospitalizacion\"><\/span>What is hospitalisation insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A <strong>hospitalisation insurance<\/strong> is a policy that guarantees you financial compensation for each day you are admitted to a medical centre, whether due to illness, accident or surgery. Its main objective is to cover the expenses generated during the hospital stay: from transport and food, to accommodation for the person accompanying you or subsequent treatments.<\/p>\n<p>This type of insurance does not replace your usual medical cover, but rather <strong>complements it<\/strong> so you can focus on your recovery without worrying about additional costs.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_cubre_un_seguro_de_hospitalizacion_diaria\"><\/span>What does daily hospitalisation insurance cover?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Although it may vary depending on the insurance company, the most common coverages include:<\/p>\n<h3>Daily allowance<\/h3>\n<p>You will receive a fixed amount for each day of admission. In many policies, cover starts from day one, although in some cases a small waiting period applies.<\/p>\n<h3>Surgical costs<\/h3>\n<p>It includes medical equipment fees, anaesthetic products and the use of the operating theatre. This benefit is usually included in the daily allowance.<\/p>\n<h3>Accommodation and food<\/h3>\n<p>The costs of room and board for the patient and a bed for a companion are covered, where this is provided for in the contract.<\/p>\n<h3>Medical check-ups after discharge<\/h3>\n<p>Some policies also offer compensation for post-hospitalisation medical consultations or follow-up treatment.<\/p>\n<h3>Intensive Care Unit (ICU)<\/h3>\n<p>If ICU admission is required, many policies double the daily indemnity, which is a great help in critical situations.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Exclusiones_habituales_y_periodos_de_carencia\"><\/span>Usual exclusions and qualifying periods<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3>Shortcomings<\/h3>\n<p>This is the time that must elapse from the time you take out the insurance until you can start using it. It usually ranges from 30 days to 6 months, depending on the coverage.<\/p>\n<h3>Common exclusions<\/h3>\n<p>Income for mental illness, cosmetic treatments, voluntary interventions, and childbirth are not usually covered in certain policies. Each product has its own conditions.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Diferencias_entre_seguro_medico_y_seguro_de_hospitalizacion\"><\/span>Differences between health insurance and hospitalisation insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A frequent question is <strong>how this insurance differs from a conventional health insurance policy<\/strong>. Here is the key:<\/p>\n<ul>\n<li>The <strong>health insurance<\/strong> pays directly to the medical centre for services (consultations, tests, admissions).<\/li>\n<li>The <strong>hospitalisation insurance<\/strong> pays you a daily amount, <strong>regardless of who pays the medical bill<\/strong>.<\/li>\n<\/ul>\n<p>In other words, you can have both and benefit from double protection: medical care on the one hand, and financial compensation on the other.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQuien_puede_contratar_un_seguro_de_hospitalizacion\"><\/span>Who can take out hospitalisation insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Generally, these insurances are available for persons between <strong>16 and 70 years<\/strong>. In most cases, a medical examination is not necessary; it is sufficient to answer a health questionnaire during recruitment.<\/p>\n<p>In addition, you can adapt the payment method (monthly or yearly) and the daily sum insured, depending on your personal needs.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cuanto_cuesta_un_seguro_de_hospitalizacion_en_Espana\"><\/span>How much does hospitalisation insurance cost in Spain?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>It is not possible to give exact figures, as prices depend on a number of factors: age, level of cover, length of stay, etc. Rather than guide you with rates that may not apply to your situation, we recommend you to <strong>get in touch with our advisors<\/strong> to study your case and find the best option.<\/p>\n<section class=\"vc_cta3-container animacion-vc ai-play-skip\">\n    <div class=\"ai-play-skip cta_general vc_general vc_do_cta3 vc_cta3 CAT-VC vc_cta3-style-classic vc_cta3-shape-rounded vc_cta3-align-left vc_cta3-color-white vc_cta3-icon-size-xl vc_cta3-icons-left vc_cta3-actions-right wpb_animate_when_almost_visible wpb_fadeInDown fadeInDown vc_custom_canallas wpb_start_animation animated\">\n        <div class=\"vc_cta3-icons\">\n            <div class=\"vc_icon_element vc_icon_element-outer vc_do_icon vc_icon_element-align-left\">\n                <div class=\"vc_icon_element-inner vc_icon_element-color-white vc_icon_element-size-xl vc_icon_element-style- vc_icon_element-background-color-grey\" style=\"margin-right:10px;\">\n                    <!-- span class=\"fas fa-shield-alt icono-seguro\"><\/span -->\n                    <img decoding=\"async\" src=\"http:\/\/lawebdeseguros.com\/img\/logo_solo.svg\" alt=\"Logo\" style=\"width: 70px;\">\n                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"vc_cta3_content-container\">\n            <div class=\"vc_cta3-content\">\n                <header class=\"vc_cta3-content-header\">\n                    <p class=\"cta-heading h2\">Protect your health and your wallet<\/p>\n                <\/header>\n                <p class=\"cta_general cta-heading h3\">Request information about your hospitalisation insurance and receive a daily indemnity for each day of hospitalisation.<\/p>\n            <\/div>\n            <div class=\"vc_cta3-actions\">\n                <div class=\"vc_btn3-container vc_btn3-inline\">\n                    <a class=\"cta_general vc_general vc_btn3 vc_btn3-size-md vc_btn3-shape-rounded vc_btn3-style-flat vc_btn3-color-green\" href=\"https:\/\/api.whatsapp.com\/send?phone=34659929495&#038;text=Protege+tu+salud+y+tu+bolsillo\" target=\"_blank\" id=\"ga_whatsapp\" rel=\"noopener\">\n                        <i class=\"fab fa-whatsapp\"><\/i> Request for information                    <\/a>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFCuales_son_las_ventajas_principales\"><\/span>What are the main advantages?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Choosing a <strong>hospitalisation insurance<\/strong> has clear benefits, especially if you are looking for financial peace of mind in case of unforeseen events:<\/p>\n<h3>Immediate financial support<\/h3>\n<p>Unexpected expenses arise during a hospital stay: transport, medicines, physiotherapy, care of children or relatives. This policy offers you liquidity when you need it most.<\/p>\n<h3>Complement to public health care<\/h3>\n<p>Although medical care is covered by the health system, <strong>not all costs are included<\/strong>. A hospitalisation insurance covers what is left out: companions, food or private room, among others.<\/p>\n<h3>Peace of mind for you and your family<\/h3>\n<p>Knowing that you have financial backing eases the emotional pressure in difficult times. It also helps to maintain the family's financial balance if you are on long-term sick leave.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFEs_para_todo_el_mundo\"><\/span>Is it for everyone?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Yes, especially if:<\/p>\n<ul>\n<li>You are self-employed and a hospital stay could affect your income.<\/li>\n<li>You have a dependent family and you want to protect their financial stability.<\/li>\n<li>You want a <strong>complementary coverage to health insurance<\/strong> you already have.<\/li>\n<\/ul>\n<p>In any of these cases, hospitalisation insurance can make a big difference.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A hospital admission is never easy. But having financial support to keep you company during this process can be key to focusing on what really matters: your recovery.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"vc_message_box vc_message_box-standard vc_message_box-rounded vc_color-warning\" ><div class=\"vc_message_box-icon\"><i class=\"fa fa-solid fa-circle-question\"><\/i><\/div><p>If you are interested in knowing in detail which coverages would be ideal in your case, <strong><a href=\"https:\/\/lawebdeseguros.com\/en\/contact\/\">our team of advisors can help you<\/a><\/strong>. We analyse your needs and guide you to take out the hospitalisation insurance that best suits your needs.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Covers expenses arising from hospitalisation due to illness or accident. Daily compensation, medical assistance and financial support to face medical stays with greater peace of mind.<\/p>","protected":false},"author":2,"featured_media":2548,"parent":1897,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"_joinchat":[],"footnotes":""},"categories":[23],"class_list":["post-1974","page","type-page","status-publish","has-post-thumbnail","hentry","category-seguros-personales","description-off"],"_links":{"self":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1974","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/comments?post=1974"}],"version-history":[{"count":0,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1974\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1897"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media\/2548"}],"wp:attachment":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media?parent=1974"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/categories?post=1974"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}