Real Critical Illness Health Insurance
So you can focus solely on your recovery
Real Critical Illness Health Insurance guarantees a reimbursement of up to €100,000 in the event of a critical illness diagnosis, helping to cover the costs of treatments, hospital stays and other necessary medical expenses.
It also includes a range of services that make quick and convenient access to healthcare easier, such as Online Doctor, Home Doctor, a Follow-up Programme after surgery or hospitalisation and an International Second Medical Opinion, with assessment by leading specialists.
Key Benefits
Protection in the event of Critical Illness
Capital of up to €100,000 to help with expenses for diagnoses, treatments, hospitalisations and other clinical care associated with covered critical illnesses.
Critical Illnesses Covered
Cancer, coronary artery surgery, myocardial infarction, chronic kidney failure, stroke, treatment of heart valve disease, multiple sclerosis and paralysis of the limbs.
Check-up Included
Includes a free check-up, at intervals defined according to the age of the Insured Person.
Easier Access to Treatment
Access to specialties and medical treatments on favourable terms, through a provider network with nationwide cover.
Easy Enrolment
No minimum enrolment age, with sign-up available up to the age of 60 and no maximum age limit for remaining covered.
Recovery Support
Professional support during the post-surgical or post-hospitalisation period, helping to prevent complications and answer any questions.
Iberian Network and Second Medical Opinion
Access to the Iberian Network and to international second medical opinion services, for greater support and confidence in clinical decisions.
Online Doctor
Access to medical support by phone, email or video consultation, 24 hours a day, 7 days a week, with two online consultations included per year.
Home Care
Access to round-the-clock assistance, telephone medical advice and a doctor or nurse sent to your home.
Search the AdvanceCare Provider Network
With Real Critical Illness Health Insurance you gain access to one of the largest and best networks of medical care providers in the country, as well as in Spain, thanks to the partnership between Real Vida Seguros and AdvanceCare.
Within Portugal, you can find more than 16,000 healthcare partners across 129 different specialties in a provider network that also covers the archipelagos of the Azores and Madeira.
In Spain, the AdvanceCare provider network, in partnership with HNA - Serviços Corporativos S.A., offers excellent cover, particularly along the border, providing access to more than 20,000 healthcare providers.
Find your doctor by specialty and schedule your appointment, examination or treatment.
Cover
Hospitalisation100.000 €1)
Outpatient Care100.000 €1)
Medication100.000 €1)
Diagnostic Tests100.000 €1)
Network Access-
Periodic Check-upBased on age2)
Home Doctor Visits-
Online Doctor-3)
Patient Monitoring Programme-
International Second Medical Opinion-
Iberian Network AccessCritical Illness cover capital
1) Maximum indemnity limit of the cover, per Insured Person over the term of the contract; it is not renewed annually and is reduced by the expenses incurred.
2) Includes a pre-defined, free check-up, every 5 years for ages between 36 and 45, every 3 years for ages between 46 and 55, every 2 years for ages between 56 and 60, and annually thereafter. Access to the first check-up takes place after payment of the second-year premium and ceases if the policy is cancelled.
3) The first two consultations free of charge, per policy year.
FAQS
Frequently Asked Questions
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