Healthy Living Plan

HEALTH INSURANCE ISSUER offers its insured clients the opportunity to adopt the The Healthy Living Plan: seeking to promote activities of health promotion and prevention of illness through diverse specific programmes, available through internet and with the support of the medical telephone helplines.

1. a) The objectives of this project are:

> Acquiring healthy life styles.

> Consolidating the appropriate habits that they have already established.

> Educating about the prevention of risk factors of illnesses.

> Teaching them to recognise the early symptoms of each illness and the necessary action for each case.

> Having personalised medical advice: defining a personalised healthy living plan with specific health objectives and continued support to obtain them.

> Facilitating effective preventive activities.

> Living in healthy conditions and anticipating complications if a health problem already exists. To obtain them the following tools are available:

> Information, training, and participation in events.

> Online evaluation, follow up and control tools.

> Personalised medical advice at a distance to fulfil the therapeutic objectives.

1. b) The programmes that will be gradually included are the following:

2. Healthy life.

Aimed at all those clients who don’t present cardiovascular risk factors, but who want to acquire or maintain healthy habits. The programme will provide personalised diet and exercise plans.

2. Cardiovascular prevention.

Aimed at people with some of the most common risk factors of cardiovascular illnesses: high blood pressure, cholesterol, sedentary lifestyle, tobacco addiction, etc. The programme will provide personalised advice to improve their own control of their illness and avoid complications.

3. Pregnancy and healthy childbirth.

Aimed at all insured adult clients who are pregnant. The programme aims to provide all insured adult clients of HEALTH INSURANCE ISSUER who are pregnant with information and specific advice regarding different aspects related to the pregnancy, birth and post-natal care, with the aim of improving their knowledge, attitude, and behaviour to have a positive influence on the development and the results of the pregnancy, birth and post-natal care, as well as the care for the newborn.

4. Obesity.

Aimed at clients over 18 who present signs of being overweight or obesity. The objective of the programme is weight loss through following the advice of dieticians who will set objectives and design personalised diets and physical exercise routines to obtain them.

5. Child obesity.

Aimed at clients who are parents of children who are overweight or obese. The main objective of the programme is to educate clients regarding the acquisition of healthy habits through educational material prepared for children and the personalised advice of dieticians.

6. Parents’ school.

The aim of this programme is to obtain a correct development for the child and to instill in him some healthy living habits from birth up to adolescence. It offers parents information about the care the infant needs (feeding, hygiene, vaccines, prevention of accidents, toys, clothes, etc.) besides the possibility of online advice for the different stages of growth and maturity of the children (infancy, puberty and adolescence) and a personal plan so that your child grows up healthy.

7. Prevention of breast cancer.

Aimed at all women of 35 and over. The objective is to prevent breast cancer in an effective way and to detect it as early as possible. The programme offers personalised medical advice and recommendations about the most effective preventive activities depending on the personal characteristics of each insured person.

8. Prevention of prostate cancer.

Aimed at men over 45 years of age. The objective is to prevent prostate cancer in an effective way and to detect it as early as possible. The programme offers personalised medical advice and recommendations about the most effective preventive activities depending on the personal characteristics of each insured person.

9. Prevention of cervical cancer.

Designed for all women between 18 and 65 of years who are sexually active. Includes periodic vaginal cytology to detect and treat dysplastic injuries at an early stage before they become cancerous.

10. Prevention of colon cancer.

Colon cancer is the most frequent malign tumour in Spain. This programme has been designed for the general public and, especially, for those over 50 years with a family history of colon cancer. It offers you, through online tools, the chance to assess the risk factors and helps you to avoid them. In addition, it offers a team of professional experts in prevention and healthy habits to give you long term, personal advice.

11. Preventing a stroke.

A stroke is at present the second most common cause of death in Spain after heart disease. It is defined as the sudden appearance of an alteration in brain activity, exceeding 24 hours of a vascular origin, either hemorrhagic or ischemic. This programme for preventing a stroke is aimed at adults and, especially, at those with risk factors or a history of cardiovascular illness (diabetes, hypertension, hypercholesterolemia or obesity), offering, through online tools, the chance to assess risk factors and a team of professional experts who will help you to acquire healthy habits through a long term, personal programme.

Medical advice at a distance

1.1 24 hour care

HEALTH INSURANCE ISSUER’ insured clients have a 24 hour telephone helpline available, which is staffed by medical and administrative personnel, specialised in the coordination and activation of health care services in the home, depending on of the type of insurance taken out and the geographical area of residence.

1.2 24 hour Doctor

This service provides HEALTH INSURANCE ISSUER’ insured clients with telephone medical advice, offering information and solving doubts regarding symptoms, diagnostic tests, health problems and medication.

1.3 24 hour paediatric medical line

This service provides HEALTH INSURANCE ISSUER’ insured clients with telephone medical advice from doctors or specialists in Paediatrics, offering information and solving doubts regarding symptoms, diagnostic tests, health problems of insured clients under 14 years of age.

1.4 Child obesity medical line

This service provides the parents of insured children in HEALTH INSURANCE ISSUER with telephone advice, from doctors or technicians in diets and nutrition, providing strategies and medical documentation regarding the prevention and treatment of being overweight and child obesity.

1.5 Pregnancy medical line

This service provides HEALTH INSURANCE ISSUER’ pregnant insured clients with telephone medical advice given by doctors or specialists in Obstetrics, offering information and solving doubts regarding symptoms, diagnostic tests, health problems and appropriate medication for the stage of pregnancy.

1.6 Women’s medical line

This service provides HEALTH INSURANCE ISSUER’ female insured clients with telephone medical advice given by female doctors or specialists offering information and solving doubts regarding symptoms, diagnostic tests, health problems and appropriate medication for women’s health.

1.7 Sports medical line

This service provides HEALTH INSURANCE ISSUER’ insured clients with telephone advice related to Sports Medicine given by specialists in sports medicine, doctors or technicians in diets and nutrition, offering information and solving doubts regarding prevention of injuries, suitability of exercise when doing sports and advice regarding those pathologies that include physical exercise as part of the treatment prescribed by their doctor.

1.8 Medical nutritional line

This service provides HEALTH INSURANCE ISSUER’ insured clients with telephone dietary advice given by doctors or technicians in diets and nutrition, offering information and solving doubts regarding prevention for health and dietary control of pathologies that include diet therapy as part of the treatment prescribed by their doctor.

1.9 Medical tropical line

This service provides HEALTH INSURANCE ISSUER’ insured clients with telephone and internet medical advice, offering information and solving doubts regarding symptoms, diagnostic tests, health problems and chemoprophylaxis or specific medications for the speciality.

1.10 Psychoemotional helpline

The insured person can receive three consultations a year of a psychological character of thirty minutes each, and guidance by a qualified team of psychologists who study each case one by one. Opening hours 08:00 to 21:00 from Monday to Friday, and access via appointment.

1.11 Virtual doctor.

Medical advice via internet This service provides HEALTH INSURANCE ISSUER’ insured clients. With medical advice via the web and e-mail, providing medical information from Internet and solving doubts regarding diagnostic tests, health problems or medications. Advice for serious illnesses

1.12 Second medical opinion

Through this free service, in the event of a serious illness, the insured person or his doctor will have access to the assessment and second opinion, at a distance, of a panel of leading medical specialists in the world. These experts will study the medical records and offer their opinion regarding the diagnosis and possible alternative treatment.

1.13 Second bioethical opinion

By means of this free service, in the event of a serious illness, the insured person or his doctor will have access to the assessment and second opinion of specialists in bioethics who, in a confidential way and at distance, will study his medical records and offer their opinion about the bioethical aspects of a treatment or sensitive medical decision.

2. Dental service

HEALTH INSURANCE ISSUER offers its clients access to dental treatment not included in their policy at special rates when visiting associated dental clinics included in the corresponding Covered Health Care Network according to the modality contracted. With each renewal of the insurance contract, HEALTH INSURANCE ISSUER may modify the dentists in the corresponding Covered Health Care Network, the subsidised dental fees and the dental services included.

3. Additional premium services

The insured person can access either directly or through vouchers, always assuming the cost, the “Health and Wellness Services”, which will allow him to enjoy the different additional services related to the promotion of health, prevention, aesthetics, personal self-care, retraining or physical and emotional well-being, and a variety of care services with some discounts and/ or special rates well below those of the market.

So, depending on the type service that you want to use in the “Health and Wellness Services” there are two different forms of access:

> Direct access to the service: the insured person consults the rates of the centres or professionals available in the web, directly requests an appointment with them and, on arriving at the centre, identifies himself with his card or HEALTH INSURANCE ISSUER client number, which is necessary for the supplier to apply the special Health and Wellness rate. Finally, the insured person pays the supplier for the service.

> Access with a voucher: in other cases, however, to enjoy some services of the “Health and Wellness Services” it is necessary to acquire a voucher previously. These can be obtained by entering via website or calling, or any branch of HEALTH INSURANCE ISSUER directly.

On each renewal of the insurance contract, HEALTH INSURANCE ISSUER may modify the “Health and Wellness Services”, the discounts offered with the vouchers, the rates and the services included in Health and Wellness Club, including new services or discontinuing some of the existing services, with the purpose of adapting them to the services demanded by the insured persons.

3.1 Health Promotion Services

3.1.1 Wellness Services: spas and urban spas

HEALTH INSURANCE ISSUER offers the insured persons discount vouchers for access to treatments of balneotherapy, hydrotherapy, kinesitherapy, drainage or firming treatments, with highly attractive conditions Spa: it is a thermal centre with the possibility of admission for rest and treatment with mineral waters declared of public use whose therapeutic action is contrasted and depends on their temperature, pressure, chemical composition, radioactivity, bacterial flora and dissolved gases. Urban Spas: they are defined as such because they are located in urban centres and, because contrary to the spas, the clients only spend a few hours of the day in them and don’t stay in them overnight.

3.1.2 Gyms and fitness

Access is by means of a voucher to the gyms included in the “Health and Wellness Services” at attractive rates.

3.1.3 Nutritional dietary advice

Access at special rates to a face to face consultation and design of a personalised dietary plan, as well as the subsequent follow up.

3.2 Preventive services

3.2.1 Predictive genetic studies

In indications not covered by the policy, access through a discount voucher, to studies that provide information about the risk of a specific person developing a certain genetic illness. The analysis is usually carried out with a sample of blood that is examined in the genetics laboratory to determine if there are changes in the gene or genes related with the illness. The studies that may be carried out are: prenatal screening test of foetal DNA in maternal blood, cardiovascular risk test, genetic profile of obesity and paternity tests among others.

3.2.2 Giving up smoking

Access at highly attractive rates, by means of the acquisition of a voucher, to a new service to stop smoking by means of different techniques.

3.2.3 Cryopreservation in bank of umbilical cord hematopoietic stem cells

The transplant of umbilical cord blood cells is at the moment a habitual treatment for many serious illnesses (leukaemia, lymphomas, neuroblastoma, thalassemia, etc.). The insured persons that wish to access the service, with economically advantageous conditions, can acquire a voucher that covers the collection, transport, preliminary analyses and conservation of umbilical cord cells of the children from the moment of birth in a private bank for a period of 20 years (with the possibility of an extension).

3.2.4 Cryopreservation in bank of mesenchymal stem cells from adipose tissue

This innovative service allows you after making a mini liposuction, the option to cryopreserve adult stem cells derived from adipose tissue, which have a high therapeutic potential for their future application in regenerative medicine and cosmetic surgery. Mesenchymal stem cells (MSC) are multipotent adult cells of great plasticity, which are able to differentiate into different cell lineages to regenerate destroyed or damaged tissues, such as in the treatment of extensive burn scars, limbo-corneal ulcers and bone fractures that do not heal.

3.2.5 Biomechanical study of walking

This service provides access of the insured persons, with a discount voucher, to an associated network of podiatry centres specialized in the design and preparation of fully made to measure insoles, and follow up visits and guarantee. 3.3 Medical cosmetic or aesthetic services

3.3.1 Refractive laser surgery for myopia, hypermetropia and astigmatism.

HEALTH INSURANCE ISSUER offers its insured persons, by means of the acquisition of a discount voucher, a special network of specialised Ophthalmological clinics for the laser treatment of refraction defects (myopia, hypermetropia and astigmatism) at highly attractive rates.

3.3.2 Surgery for presbyopia

Presbyopia, it is a visual defect that usually appears at the age of forty or forty-five years and is the decrease in the ability of the eye to change shape easily resulting in loss of near vision. HEALTH INSURANCE ISSUER provides the insured persons with access to a network of ophthalmological centres that specialise in the surgical correction of this visual defect, by fitting intraocular lenses, acquiring a voucher that offers attractive rates.

3.3.3 Medicine and aesthetic surgery

Includes the access with a discount voucher to a consultation and a wide range of non-invasive facial and corporal treatments (peelings, stains, lymphatic drainage, firming, etc.,) and surgical such as mammoplasty, abdominoplasty, etc. at special rates.

3.4 Complementary health services

3.4.1 Assisted reproduction treatment

HEALTH INSURANCE ISSUER offers their insured persons, by means of the acquisition of a discount voucher, access to a network of clinics that specialise in the diagnosis and treatment of infertility, with the most advanced assisted reproduction techniques, such as fecundation in vitro, artificial insemination, transfer of embryos, and/or the cryopreservation of eggs, sperm and embryos as required.

3.4.2 Alternative therapies

HEALTH INSURANCE ISSUER offers the insured clients in the “Health and Wellness Services” a network of medical homoeopaths, acupuncturists and graduates in osteopathy and chiromassage with special rates for a consultation or session.

3.4.2.1 Homeopathy:

therapeutic technique based on a complete clinical observation that leads to the prescription of homeopathic medications, in minimal, very diluted or infinitesimal doses, based on the phenomenon of similarity.

3.4.2.2 Acupuncture:

therapeutic technique of traditional Chinese medicine whose aim is to restore health via the insertion and manipulation of needles in the body.

3.4.2.3 Osteopathy or chiromassage:

physical or manual therapy, complementary to allopathic or conventional medicine, directed at the treatment of musculoskeletal disfunctions producing pain in the spine and extremities.

3.4.3 Psychology

Access to the psychologists in the “Health and Wellness Services” at special rates, for psychological or psychometric tests and/or psychotherapy sessions, when the maximum annual limit per insured person and year stipulated in the general conditions of the insurance policy has been exceeded.

3.5. Personal self-help services

3.5.1 Auditory health

Provides access to an auditory checkup, by means of the acquisition of a discount voucher, in the Health and Wellness network of auditory centres and the purchase of headsets at highly attractive rates.

3.5.2 Healthy hair

This service facilitates access with a discount voucher to a personalised diagnosis that includes the fitting of a hair prosthesis or wigs in oncology patients and the most advanced treatments to avoid the progressive loss of hair or alopecia, such as capillary micro grafting or implants.

3.5.3 Optics service

The insured person via the acquisition of a voucher can obtain important discounts in the Health and Wellness network of opticians for the purchase of glasses (frames and lenses) contact lenses and their hygiene or cleaning liquids.

3.5.4 Orthopaedics service

It allows access to the purchase of any orthoprosthesis device at very competitive rates with a discount voucher.

3.5.5 On line parapharmacy

The insured person has access to, having previously acquired a discount voucher, the purchase with advantageous economic conditions of over the counter parapharmacy products (cosmetics, insect repellents, solar protectors, etc…) not considered drugs, contributing actively to the well-being and health of people.

3.6 Rehabilitation services

3.6.1 Rehabilitation therapy for recovery from dysfunctions of phonation, speech or language

HEALTH INSURANCE ISSUER offers its insured persons a logopaedic service at special rates per session, for the treatment of the alterations of phonation, speech or language, for indications not included in the insurance policy (dysfunctions of neurodevelopment, learning, dyslexia, dyslalia, dysphemia, etc.).

3.6.2 Home therapy for sleep apnea syndrome

This service facilitates the purchase at highly attractive rates of home ventilation devices, with a discount voucher, for CPAP (Continuous Positive Airway Pressure) or BiPAP (Bilevel Positive Airway Pressure) device. These devices permit the supply of air at a continuous preset positive pressure during sleep at home, to patients with daytime hypersomnia restricting their activity and/or with associated risk factors (arterial hypertension, cardiovascular cerebrovascular illnesses and risk of traffic accidents). You can also access treatment for apnea with intra-oral splints.

3.6.3 Programme of rehabilitation of the pelvic floor

The insured person can also enjoy access to the Kit Birdi pelvi perineal rehabilitation training programme, based on Kegel exercises, with a Health and Wellness discount voucher, via a mobile or PC / Tablet, the activity of the muscles of the pelvic floor are monitored and registered in a web so that the user and/or the doctor can carry out the follow up.

4. Call centre

Consultations, information and authorisations HEALTH INSURANCE ISSUER’ clients have access to a telephone consultation service to get information about the medical directory, to request authorisations, take out policies or services offered by the company, to make suggestions or deal with practically any other administrative process without having to go to an office.