SummaryDespite paying €200+ monthly for basic family coverage, Asisa has proven to be poor value with restrictive terms and limited provider networks. Major Issues Experienced:1. Extremely Limited Provider NetworkVery few doctors in the Barcelona area accept Asisa, making it difficult to find available healthcare providers. This defeats the main purpose of having private insurance - quick access to medical care.2. Long Waiting Periods for Basic ServicesEven after paying premiums for 6+ months, I was told I cannot get an MRI until August 2025 due to “waiting periods” (carencias). This means paying hundreds of euros monthly while being unable to access essential diagnostic services.3. Completely Inflexible Contract Terms- Cannot remove family members mid-year (classified as “cancellation”)- Cannot downgrade coverage to reduce costs- Cannot make any modifications except contact details- Locked into annual contracts with no mid-year exit options- Must give notice by November 30th to cancel the following year 4. Poor Customer ServiceWhen requesting to reduce coverage due to non-use, customer service simply quoted contract terms rather than offering solutions. Multiple emails required to get basic information about policy limitations.What I Learned:- Research provider networks thoroughly before signing- Ask specifically about waiting periods for diagnostic tests- Consider more flexible insurers like Sanitas or DKV- Read all contract terms regarding modifications and cancellationsFor the same or lower cost, other providers offer better networks, shorter waiting periods, and more flexible terms. Asisa appears to prioritize contract enforcement over customer satisfaction.Advice for Others:If you’re considering Asisa, ask specifically about:- Exact waiting periods for MRI, CT scans, and specialists- Number of providers in your specific area- Policy modification options mid-contract- Early termination possibilitiesResearch Sanitas, DKV, or Mapfre for potentially better coverage and flexibility in Spain.
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ASISA es una aseguradora creada en 1971 y que ofrece seguros de salud, dentales, de vida, accidentes, decesos, mascotas y asistencia en viajes y que lidera el Grupo ASISA, el grupo privado de salud más grande de España que cuenta con casi 6.000 empleados.
ASISA cuenta con una extensa red asistencial propia, el Grupo Hospitalario HLA, que agrupa a 16 hospitales y 36 centros médicos multiespecialidad con unidades de referencia en tratamientos de última generación, lo que le convierte en el mayor grupo hospitalario español propiedad de una aseguradora. Esta red asistencial propia se completa con casi 110 clínicas especializadas en tratamientos dentales, oftalmológicos, auditivos, de reproducción asistida, etc.See more