The private health care provided by the General Mutual Society of State Civil Servants (muface) the approximately 1.5 million Spanish civil servants are more at risk than ever after the refusal of the insurers Asisa, Adeslas and DKV to accept the economic conditions offered by the Government with a view to signing the agreement for the years 2025 and 2026.
In this crisis that seems more difficult to solve with each passing day, the Ministry of Health is studying the possibility of definitively ending the private assistance model for civil servants. In this sense, it must be noted that Muface is mandatory for all state officialsalthough once within the system the insured have the option to choose each year if they want to be in the private or public service.
According to the report from the ministry headed by Mónica GarcÃa ‘Muface: from private insurance to the National Health System’, it would be “reasonable” to end Muface’s private model because it is “unsustainable” mainly due to the aging of the population covered by the mutual insurance company.
“The current context means that, for the first time in many years, the possibility of incorporating the mutualist population into public assistance is an both viable and reasonable option“says the report sent to the Public Service, which points out that the absorption of officials by the National Health System is pertinent due to the structural design of the system.
If Muface finally disappearsAs Health intends, there will surely be many officials, especially the most senior ones, who will resist abandoning a model with which they have been living for years and to which they are accustomed.
Therefore, they will surely consider continuing to resort to private assistance. paying for the service out of your own pocket. Next, 20 minutes has compiled the current prices offered by insurers that work with Muface to address the health problems of civil servants. This information is indicative in nature, since the final price will be determined by several factors, such as age, geographical location or the number of people insured, among others.
DKV: from 16 euros per month
The DKV insurer has insurance without co-payment and with extensive coverage (specialists, diagnostic tests, ambulance transfer, surgery…) for 35.58 euros per month. It’s about the policy DKV Integral Elitewhose final price, however, may be even lower depending on the number of insured and the payment method.
This company also currently has other modalities, although they are co-pay and offer less coverage, such as insurance DKV Integral Complet (from 16.17 euros per month) or DKV Integral Classic (32.35 euros per month). All of these prices currently benefit from a 33% discount, but to enjoy this discount you must take out the policy through SWAT branches in A Coruña, Barcelona, ​​Girona, Madrid and Huelva. In the rest of the national territory the discount is up to 28% on both policies.
The DKV Salud medical team is made up of more than 24,000 specialists and more than 1,000 clinics nationwide so that policyholders can choose the most appropriate one in each case.
Adeslas: from 20 euros
The insurance offered by Adeslas for individuals starts at 20 euros per month (Adeslas Go Basic), but if we want a complete modality without co-payments, there is the possibility of contracting Adeslas Plena Plus from 58 euros per month.
In the event that we do not mind paying a small financial amount for certain consultations, the insurer has Adeslas Plena (from 48 euros per month). And if we need to add dental services to the health coverage, we have the option of contracting without co-payments. Adeslas Plena Total (from 68 euros per month).
For people between 55 and 84 years old, the insurer has the plan Adeslas Seniorwith complete coverage for a price of 62 euros per month, although with reduced co-payments -there is a maximum annual limit per insured-. Adeslas has more than 43,000 professionals in all specialties and 1,150 medical-care centers.
Asisa: from 21 euros
health insurance Full Handle It is the modality that offers maximum medical care coverage without any type of additional co-payment from 48.70 eurosalthough hiring is only allowed up to a maximum age of 65 years.
The company also has private health insurance Asisa Essential for a price of 31 euros and without co-payments. The policy covers all out-of-hospital guarantees except hospitalization and surgical interventions.
The cheapest option is Asisa Essential +, which can be contracted from 21 euros per month and has reduced copays. Includes all medical coverage except hospitalization and surgical interventions. It can be hired by all people up to 69 years of age, and there is also no age limit for permanence. Asisa has more than 40,000 professionals, 1,162 subsidized centers and 16 of its own clinics.