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Healthcare advice - Page 2

Betsy

Posted: Wed May 20, 2020 10:24pm

Posts: 29

8 helpful points

Location: Lo Pagan

Joined: 18 Aug 2018

Posted: Wed May 20, 2020 10:24pm

Hi there, if you are thinking of becoming residents then you have to take health care out anyway.. but if its just for peace of mind Assa is very good, great service and the younger you are it can work out a bit cheaper. Me and my  hubby are both 60 and pay 140 euro a month for the both of us, which I believe is about average... Good luck... 

Gem

Posted: Thu May 21, 2020 12:44pm

Gem

Helpful member

Posts: 279

172 helpful points

Location: Torre-Pacheco

Joined: 16 Jan 2020

Posted: Thu May 21, 2020 12:44pm

Betsy wrote on Wed May 20, 2020 10:24pm:

Hi there, if you are thinking of becoming residents then you have to take health care out anyway.. but if its just for peace of mind Assa is very good, great service and the younger you are it can work out a bit cheaper. Me and my  hubby are both 60 and pay 140 euro a month for the both of u...

...s, which I believe is about average... Good luck... 

Hi Betsy

This seems very cheap compared to what I have been quoted. Is your cover with No Copago? (no excess as that is what is required for resedencia)

Thanks

Betsy

Posted: Thu May 21, 2020 3:12pm

Posts: 29

8 helpful points

Location: Lo Pagan

Joined: 18 Aug 2018

Posted: Thu May 21, 2020 3:12pm

Gem wrote on Thu May 21, 2020 12:44pm:

Hi Betsy

This seems very cheap compared to what I have been quoted. Is your cover with No Copago? (no excess as that is what is required for resedencia)

Thanks

We took residency out last year and this is what we needed to get it passed... We have the standard package, no excess. You purchase a book of vouchers about 6 per person for 12 euros... So then you take one of the vouchers every time you see the doctor... Or pay a visit to the hospital... It's very simple and you can purchase more if required... No problems... I am thinking of taking the next one up because this includes the well women clinic (smears, mammograms, bone density etc) it's well worth it.. 

smileygeorgey

Posted: Sun May 24, 2020 1:44pm

Posts: 76

24 helpful points

Location: Fortuna

Joined: 14 Aug 2019

Posted: Sun May 24, 2020 1:44pm

PeterC wrote on Wed May 13, 2020 6:07pm:

Be careful - you would be living off income generated outside Spain, plus you would have to declare the value of all your assets worldwide and pay tax on them as well as Spanish income tax. If your assets (and it does not take many properties to reach this) are worth over 700k Euros (I think the ...

...sum is) you would also be liable for Spanish wealth tax. Health insurance could be the least of your financial considerations.

Entirely agree with Peter when you become resident you will find that the Spanish tax you for everything and I know some will come on here with their experience but I can assure you you are taxed on every asset you have anywhere and remember as time goes on they know more and more about you so little chance of hiding

Pauline60

Posted: Tue May 26, 2020 11:07pm

Posts: 6

3 helpful points

Joined: 22 Apr 2020

Posted: Tue May 26, 2020 11:07pm

smileygeorgey wrote on Sun May 24, 2020 1:44pm:

Entirely agree with Peter when you become resident you will find that the Spanish tax you for everything and I know some will come on here with their experience but I can assure you you are taxed on every asset you have anywhere and remember as time goes on they know more and more about you so li...

...ttle chance of hiding

If you have a teachers pension and making money on property in the uk you are taxed in the uk. If I moved to Spain would I still continue to pay tax in UK where the money is earned. 

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Betsy

Posted: Tue May 26, 2020 11:15pm

Posts: 29

8 helpful points

Location: Lo Pagan

Joined: 18 Aug 2018

Posted: Tue May 26, 2020 11:15pm

Pauline60 wrote on Tue May 26, 2020 11:07pm:

If you have a teachers pension and making money on property in the uk you are taxed in the uk. If I moved to Spain would I still continue to pay tax in UK where the money is earned. 

This link appears to have gone off track, tax was not mentioned in the original question! It was about health insurance only... So if you have taxes to hide then it is wise to stay quiet... 

smileygeorgey

Posted: Tue May 26, 2020 11:19pm

Posts: 76

24 helpful points

Location: Fortuna

Joined: 14 Aug 2019

Posted: Tue May 26, 2020 11:19pm

Betsy wrote on Tue May 26, 2020 11:15pm:

This link appears to have gone off track, tax was not mentioned in the original question! It was about health insurance only... So if you have taxes to hide then it is wise to stay quiet... 

Sorry but in this day and age keepping quiet is not easy as accounts will at times be shared so find your facts before you decide what you are doing

Pauline60

Posted: Tue May 26, 2020 11:50pm

Posts: 6

3 helpful points

Joined: 22 Apr 2020

Posted: Tue May 26, 2020 11:50pm

smileygeorgey wrote on Tue May 26, 2020 11:19pm:

Sorry but in this day and age keepping quiet is not easy as accounts will at times be shared so find your facts before you decide what you are doing

I dont have taxes to hide it's just a general question. 

smileygeorgey

Posted: Wed May 27, 2020 5:54am

Posts: 76

24 helpful points

Location: Fortuna

Joined: 14 Aug 2019

Posted: Wed May 27, 2020 5:54am

Pauline60 wrote on Tue May 26, 2020 11:50pm:

I dont have taxes to hide it's just a general question. 

I personally was not suggestinbg you did but merely pointing out that in my eyes the Spanish "system" is so unfair but the way they get their money

Will60

Posted: Wed May 27, 2020 12:48pm

Will60

Helpful member

Posts: 317

315 helpful points

Joined: 10 Feb 2020

Posted: Wed May 27, 2020 12:48pm

smileygeorgey wrote on Wed May 27, 2020 5:54am:

I personally was not suggestinbg you did but merely pointing out that in my eyes the Spanish "system" is so unfair but the way they get their money

The Spanish "system" has been put in place by successive elected Spanish governments.

It is not unfair.

Many Brits (and maybe others) don't do their homework before committing to a life in Spain, and then moan when reality hits them.

The UK applies some similar tax liabilities on the worldwide assets and income of resident foreigners.

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