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The Insured should grant Subrogation to the Insurer so that it may exercise the rights and actions that might pertain to the Insured by virtue of the claim in respect of the persons responsible there of.

The Insurer may not exercise the rights in which the Insured has been subrogated in detriment thereto. The Insured shall be liable for the damages that s/he may cause the Insurer, through is/her acts or omissions, in his/her right to be subrogated.

The Insurer shall not be entitled to subrogation against any of the persons whose acts or omissions may give rise to the Insured's liability, in accordance with the law, nor against the originator of the claim who is a relative of the Insured in direct or collateral line in the third civil degree of kinship or an adopting parent or adoptive child living with the Insured. This rule shall not take effect, however, if the liability is a result of fraudulent intent or if the liability is covered by an insurance contract. In the latter case, the subrogation shall be limited in its extent in accordance with the terms of said contract.

If the Insurer and the Insured both act jointly against a third responsible party, the redress obtained shall be divided between the two in proportion to their respective interest.

Return to Index (English Conditions)

For more information your English Sanitas agent is: David Harris

Mobile / cell: (00 34) 609 522 300

email: saniprof@wanadoo.es or saniprof@mail.ddnet.es - thanks.

(Free messenger service - I cover the whole of Spain (click here...))

Answers to your queries Preliminary clause Definitions

I. Object of the insurance II. Excluded risks III. Bases, loss of rights, cancellation and incontestability of the policy

IV. Waiting periods (moratorium) V. Term of the insurance VI. Insurance premiums

VII. Policy-holder's and / or insured's obligations and duties VIII. Policy-holder's and / or insured's rights IX. Insurer's obligations

X. Duplicate policy XI. Complaints XII. Subrogation

XIII. Prescription XIV. Communications XV. Claim control and authorities

XVI. Other XVII. Jurisdiction

main index / índice principal

Disclaimer / Aviso

A Coruña	Álava	Albacete	Alicante	Almería	Asturias	Ávila	Badajoz	Balearic Islands	Barcelona	Burgos	Cáceres
Cádiz	Cantabria	Castellón de la Plana	Ceuta	Ciudad Real	Córdoba	Cuenca	Girona	Granada	Guadalajara	Guipúzcoa	Huelva
Huesca	Jaén	La Rioja	Las Palmas	León	Lleida	Lugo	Madrid	Málaga	Melilla	Murcia	Navarra
Ourense	Palencia	Pontevedra	Salamanca	Segovia	Sevilla	Tarragona	Tenerife	Teruel	Toledo	Valencia
Valladolid	Vizcaya	Zamora	Zaragoza	Dental insurance policies	Sanitas Health Plan Classic	Sanitas Multi	Sanitas Mundi	Sanitas Health Plan Complete

Mainly health plans S.L CIF: B19250372 Inscrito en el Registro Mercantil de Guadalajara: Documento: 1/2007/1.655,0 Diario: 14 Asiento: 779 Tomo 495 Libro: 0 Folio: 71 Hoja: GU-6611.

Suscrita Póliza de Responsabilidad Civil Profesional conforme a lo dispuesto en la Ley de Mediación de Seguros Privados

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