Aegon Seguros Reviews 

Avoid this insurance company like the plague: I submitted a claim (Claim No. 00226967) for over €20,400 in real, documented storm damage—including ruined ceilings, water infiltration, and roof repairs—only for these absolute scam artists to brush off almost everything as "maintenance" and offer an insulting, pathetic payout of €527.80. You pay your premiums on time expecting protection, but the second you actually need them, they pull shameless mathematical acrobatics to screw you over and force you to waive your rights for literal pocket change—pure greed and an absolute disgrace of a company!

I've had Aegon medical insurance for nearly 5 years and honestly it's been great. They've been affordable and the customer service has been good. They've never rejected a doctor's referral. My partner and I are in our 40s and pay €65 per person. I also like how they have a free telemedicine service 24/7, which has been useful to get last minute prescriptions when we're traveling.

Overall, phone support has been relatively good, except for one specific interaction that completely tested my patience. Until that point, I would have described the telephone service as acceptable. However, the real issue lies in the underlying inefficiency behind customer support.

On multiple occasions, I have been sent outdated medical provider lists, forcing me to call myself to confirm which doctors are still part of the network. In practice, the customer ends up doing the work that should be handled by the company. On top of that, booking appointments is consistently difficult, with availability often pushed out by a month or more.

Additionally, I have been trying for around five months to gain access to the app without success. Despite repeated calls, I am continuously transferred from one department to another, with no one actually resolving the issue. The overall experience reflects a complete lack of coordination and ineffective handling of basic technical problems.

The situation escalated when I called to express my frustration with this ongoing inefficiency. During that call, one agent responded in an unprofessional manner, suggesting that since I had already contacted doctors, I might as well update the provider directory myself. Beyond the lack of professionalism, I perceived a dismissive and mocking attitude toward a legitimate issue, which forced me to request escalation to a supervisor in order to continue the conversation appropriately.

Finally, after requesting an official complaints email, I was informed that the response time could be up to three months. I consider this timeframe unacceptable for an issue that directly affects access to healthcare services and overall service quality. The lack of urgency and effective resolution channels further reinforces the impression of systemic inefficiency.

If you don’t speak Spanish, this is not an insurance company for you.

You call them and ask for an English speaker and they say one will call you back. But they never do.

You use their WhatsApp and the bot has not been saying “ You will be assisted by a specialized agent. Please wait” for three days.

You go to their office but that requires an appointment which requires they have an English speaker call back. And they never do.

The only good thing is that if you don’t require authorisation it is a smooth process.

Edit: you ask me to contact you, but how.

Edit 2: so I emailed you about couple of weeks ago on the address you provided below, and I got zero response. I suppose I shouldn’t be surprised. It is par for the course with you.

Edit 3: I just forwarded it again. It is not from the email I used for this review, but from the email you have on my account.

Terrible customer service. I tried cancelling my account for months. Sent multiple documents in different file types. I'd recommend Cigna instead.

Extremely expensive compared to other insurance. For home insurance, they requested almost the same amount as for a house that is more than double the value

Total disappointment in this company, I have sent a claim on the 4th of February for damages to my house due to the storm that hit Portugal last January/Feb 2026, I understand that it could take a while to process all the claims and I have been very patient since then and always prompt with my reply whenever they ask for any additional documentation. Until today, 2 months has passed and no resolution from their side, I have called in today for an update and was just attended by a very unhelpful agent (after being on the waiting line for 15 mins, which is surprising because I was usually on the waiting line for atleast an hour). Tried to get help and no update and no timeline whatsoever. If you ever need a house insurance, I would think twice in choosing this company. They are very prompt in sending you payment plans and getting your money but are very unhelpful if you have any issue.

I am appalled by the total lack of professionalism and basic human decency from Aegon Santander.

After the Kristin storm, I submitted a claim for over €16,000 in damages. I sent every single piece of documentation on February 12th. Since then? Absolute silence.

The assigned assessor, Mário Pereira (from Dualperi), has systematically ignored every email, WhatsApp, and phone call. Even worse, when my pregnant wife called his office to ask for a simple confirmation of receipt, she was treated with extreme rudeness and hostility.

Aegon Santander has completely abandoned their responsibility. Their customer service lines are useless, and despite the legal 30-day deadline for a decision having passed, no one will tell us if our documents have even been opened. We have had to pay thousands out of pocket for urgent repairs just to keep our home safe, all while dealing with the stress of a pregnancy and an insurer that acts like we don’t exist.

If you are considering a policy with Aegon Santander, be warned: they are happy to take your premiums, but they will leave you stranded and ghost you when disaster strikes.

The 26th year has just begun, but they have already given themselves the status of best customer support (health insurance). This is very ironic because they are simply unable to solve any of your problems. They will not call you back, and you will wait forever. They are completely unreliable. Much of what they say is not true. Avoid

They increase the price for health insurance up to 20!% every year, poor clients support services, not possible to get someone on the phone. It’s not worth it. I have Sanitas, my husband Aigon. They charge him 250 now monthly and he hardly uses it. I use Sanitas all the time for 90! Think twice! I think we should switch Aigon to something else. 3 years ago the price was 150, now it’s 250! Ridiculous!

It's a worthless piece of shit website. Could'nt even log in on the website as costumer the app isn't much helpfull either, Why ? Only a few months in the country still learning the language, this stupid website does not give you the opp to read it in English.... Crap website

On the 5th November 2025, Portugal suffered an exceptional electrical storm affecting many parts of the country and causing unprecedented problems. Our house was struck by lightning during this storm. The only damage was to our washing machine, it stopped working. I immediately tried to contact AegonSantander - the insurance company linked to our bank. Firstly, their telephone line does not work at all and there is no opportunity to chat person to person or through a chat line via the computer. I filled out a report form and emailed them. After several unanswered emails, Aegon finally requested that we get a report from an engineer. We did that. Then they said our machine was too old to be covered by their policy. However, we researched this fact and found out that electrical surge damage should not be linked to age. Aegon recognised this and then said, to our amazement, that the machine was not insured as it was not directly hit by the lightning! Whaaaat! So, basically they are saying the washing machine would have been covered IF it had been outside in the storm and then hit by lightning! Are you kidding me?! If this is the case, then nothing inside our home is insured against a power surge caused by an external force. Aegon are VERY slow to respond to emails and in the end my husband had more luck contacting them by WhatsApp. We are currently in dispute with Aegon about this claim and speaking to their compaints department. This is a small claim - we have already had the pcb replaced on the washing machine at our own cost after struggling for 5 weeks using the laundrette. We have been with Aegon for many years. I ask myself, what is the point of insurance if we are not covered for things like this?

Very good service used it 5 times no issue

A very simple and convenient phone support service

Our whole family has commecial health insurence at AEGON. After visit of doctor in Spain and need of some special examination you get tarjeta (a piece of paper) that must be authorized by Aegon. It can be authorized via web application or by phone. The phone connection always fails, but the web authorization is OK, it is more comfortable anyway.

Call handler was excellent explained everything to me so I understood. Attended hospital they recommend operation the next day. On the road to recovery. Excellent service throughout.

First insurance company that earned my trust. Assuming how problematic it was in my hometown to get good insurance, in Spain, I believed it wouldn't be much different. Aegon proved me wrong especially their health packages. I knew if something happens they’re on my side. When I got involved in a car accident, almost all my hospital expenses were covered. Hard to find insurance u can rely on

Subject: Urgent Complaint Regarding Poor Service and Request for Immediate Action
Greetings
I am writing to express my deep frustration and disappointment with the service I have received. It is clear that your team has failed to properly address a very basic and essential matter — the change to the correct property address.
Despite repeated attempts to resolve this issue, your failure to take the necessary action has caused me significant inconvenience, unnecessary energy, and additional expenses through international calls. This level of service is completely unacceptable, particularly from a company that claims to provide “the best customer service for the last six years.” Frankly, I find it difficult to understand how such a status could have been obtained under these conditions.
I demand immediate corrective action to resolve this issue without any further delay. In addition, I expect appropriate compensation for the time, energy, and international call expenses incurred as a result of your company’s negligence.
I trust you will treat this matter with the urgency it deserves and provide me with a prompt resolution.
Sincerely,

Aegon is thorough and efficient

DO NOT Buy a medical insurance with aegon, its a scam and its a nightmare.

My doctor recommended to have MRI, i sent the form and my diagnos full history to aegon for approval. I was told to wait 48hrs reply. After 3 weeks of follow ups and calls, they are like a broken records asking the same paper request. Very Obvious that aegon wanted get away with not paying the MRI.
Aegon is onlynfor minor and check up. Anything machinery involves is a nightmare to get an approval.
Do Not get an insurance from this company go somewhere who would take care of your health and not scamming you.
After nearly 4 weeks of my follow ups and calls, i didnt get an approval and i have to pay 280€ from my pocket. So NO aegon and i am not renewing it.
This card was offered me by my bank Santander when i open a bank account with them. Lesson Learned! Say #notoaegonmedicalinsurance