1. Owner & operator of the website
In compliance with Article 10 of Law 34/2002 of 11 July on Information Society Services and Electronic Commerce (LSSICE), we provide the following identification information:
Identification
Owner: Stephen Paul Gregory
Activity: Exclusive Insurance Agent of Sanitas S.A. de Seguros
Registered address: C/ Alcalde Clemente García 19, 5, 30169 San Ginés, Murcia, Spain
NIE: Y2155969D
DGSFP registration: C0320Y2155969D (Dirección General de Seguros y Fondos de Pensiones)
Email: info@spanish-healthinsurance.com
Website: spanish-healthinsurance.com
2. Regulated activity
Stephen Paul Gregory is authorised and registered as an Exclusive Insurance Agent under Spanish insurance-distribution law, specifically:
- Royal Decree-Law 3/2020 of 4 February, transposing Directive (EU) 2016/97 on Insurance Distribution (IDD).
- Law 20/2015 of 14 July, on the regulation, supervision and solvency of insurance and reinsurance undertakings (LOSSEAR).
- Royal Decree 1060/2015 of 20 November, on the regulation, supervision and solvency of insurance and reinsurance undertakings (ROSSEAR).
Our registration can be verified in the public register of the Dirección General de Seguros y Fondos de Pensiones (DGSFP): www.dgsfp.mineco.gob.es.
As an exclusive agent, we distribute the health-insurance products of Sanitas S.A. de Seguros only. We do not compare or sell products of any other insurer.
3. Professional indemnity & financial guarantees
As an exclusive insurance agent, we act solely on behalf of Sanitas S.A. de Seguros and exclusively distribute their products. We do not handle, collect, or hold client premiums or payments at any point — all payments are made directly by clients to Sanitas.
In accordance with Article 26 of Royal Decree-Law 3/2020, exclusive agents whose activities are fully covered by their principal insurer are not required to maintain separate professional indemnity insurance or independent financial capacity measures. Professional indemnity cover and all financial guarantees are provided by Sanitas S.A. de Seguros, who assume full responsibility for our distribution activities under the exclusive agency relationship.
Clients therefore benefit from the full financial strength and regulatory compliance of Sanitas S.A. de Seguros — one of Spain's largest and longest-established private insurers, part of the global Bupa Group.
4. The insurer
The insurer whose products we distribute is:
- Name: Sanitas, S.A. de Seguros
- Registered office: Ribera del Loira 52, 28042 Madrid, Spain
- Tax ID (CIF): A-28037042
- Register: Registro Mercantil de Madrid
- Insurer authorisation: Registered with the DGSFP under key C0320
- Part of: The Bupa Group
5. Purpose of the website
The purpose of this website is to inform English-speaking residents and prospective residents of Spain about Sanitas health-insurance products and to facilitate quoting, application and policy-placement. The website is not a contract of insurance; the binding contract is formed between the client and Sanitas upon acceptance of the application.
6. Terms of use & privacy
Use of the website is governed by our Terms and Conditions. Personal-data processing is described in our Privacy Policy. Use of cookies and similar technologies is described in our Cookie Policy.
7. Intellectual property
All content on this website, including texts, graphics, images, code, structure and design, is protected by intellectual-property and industrial-property law. The content is owned by Stephen Paul Gregory or used under licence, except for third-party trademarks (notably Sanitas and Bupa) which belong to their respective owners.
Reproduction, distribution, public communication, transformation or any other use — in whole or in part — of the content of this website without express written authorisation is prohibited. Fair quotation and personal, non-commercial use are permitted provided the source is cited.
8. Links to third-party websites
The website may contain links to third-party resources, including Sanitas, the DGSFP and Spanish government portals. Their inclusion does not imply endorsement, sponsorship or partnership. We are not responsible for the content, accuracy, privacy practices or availability of third-party sites.
9. Liability
We make reasonable efforts to ensure the accuracy and timeliness of the information published on the website, but:
- We do not warrant that the website will be uninterrupted, error-free or free from harmful components.
- General information about insurance products is for orientation only; the binding terms are those of the Sanitas contract documentation provided at contracting.
- Nothing on the website constitutes regulated financial, legal, tax or medical advice.
Nothing in this Legal Notice excludes or limits liability that cannot be excluded under Spanish law, including liability for death or personal injury caused by negligence, or for fraud.
10. Complaints & dispute resolution
Complaints can be submitted to info@spanish-healthinsurance.com. If unresolved after two months, or in the first instance with Sanitas, clients may escalate to:
- The Sanitas Customer Ombudsman (Defensor del Cliente) per the policy schedule.
- The Complaints Service of the DGSFP: www.dgsfp.mineco.gob.es.
- The EU Online Dispute Resolution Platform: ec.europa.eu/consumers/odr.
11. Governing law & jurisdiction
This Legal Notice and any matter arising from the use of the website are governed by Spanish law. Subject to any mandatory consumer-protection rules, the parties submit to the exclusive jurisdiction of the Courts and Tribunals of Murcia, Spain.
12. Updates
We may update this Legal Notice to reflect changes in law, regulation, our activity or our services. The current version is the one published on this page, with the "Last updated" date shown above.