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Advice on choosing Camposol - Page 2

Ali52

Posted: Wed May 27, 2020 1:19pm

Ali52

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Posts: 201

136 helpful points

Location: Camposol

Joined: 2 Apr 2019

Posted: Wed May 27, 2020 1:19pm

oink wrote on Tue May 26, 2020 4:12pm:

Private health will remain the same 1st year , but instead of convenio it will be private for other years   not much diff in price   . If underlying medical conditions then can be a problem 

As for ehic  ppl will get travel ins , 50 days consecutive  cover ,staysure is cheap   £30,  incl underlying cond £80...

...

Non eu  1yr visa  renew 2yr visa ,renew 2yr visa ,perm residency on 5th year ( non working) 

You can get a working visa .dont know details  

26k needed to show  yr self sufficient 

Or monthly income/  pension pot  to cover 26k 

Therefore if you dont have the money to stay here ,you shouldnt be here   .

I have been quoted huge amounts for insurance. Also we will have to pay for our medication, which in my partner's case adds up to over 200 euros per month. Quite a bit out of our income. Luckily I have enough income to support this. More worried about hospital stays. That is why our insurance is 250 to 300 (quotes) per month.  So we DO need to have a monthly income of over 2k euro.  I know that is what I had to prove  but wondered if it had altered. We might be ok, it depends what the UK Gov does. I know the Spanish PM is sympathetic to us all. We will of course be able to buy houses out here  if we can fulfill gov requirements, but it is going to be a lot more expensive.

rma44

Posted: Wed May 27, 2020 1:56pm

rma44

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Posts: 709

406 helpful points

Joined: 2 Mar 2016

Posted: Wed May 27, 2020 1:56pm

Ali52 wrote on Wed May 27, 2020 1:19pm:

I have been quoted huge amounts for insurance. Also we will have to pay for our medication, which in my partner's case adds up to over 200 euros per month. Quite a bit out of our income. Luckily I have enough income to support this. More worried about hospital stays. That is why our insurance is ...

...250 to 300 (quotes) per month.  So we DO need to have a monthly income of over 2k euro.  I know that is what I had to prove  but wondered if it had altered. We might be ok, it depends what the UK Gov does. I know the Spanish PM is sympathetic to us all. We will of course be able to buy houses out here  if we can fulfill gov requirements, but it is going to be a lot more expensive.

What are the government requirements to buy a house in Spain?

sdb137

Posted: Wed May 27, 2020 9:03pm

sdb137

Very helpful member

Posts: 1020

628 helpful points

Location: Camposol

Joined: 21 Jan 2018

Posted: Wed May 27, 2020 9:03pm

CFC1905 wrote on Tue May 26, 2020 11:53am:

No doubt that things have changed and will continue to change as Brexit negotiations continue or the UK leaves without a deal

I may be stupid but my feeling has always been that Spain relies so much on the income from UK tourists and those with homes that they would would not make it to onerous

If the urbanistations started to empty because of new regulations then the government would lose more money than it can afford to a seriously jepordise their economy

No idea if my logic is sound or not but crossing everything so that our dream continues

Fully agree.

Spain is in it as per every country of the EU, and I mean skint.

Spain is not daft, it needs every penny to survive, and tourists, and expats bring in that valuable Euro. ( thats why tourists will be allowed in soon )

Spain knows it cannot cause any problems for expats, as they will simply go, and of course no more will come.

2.5 million Euros every hour for August 2019 brought in by tourists, and that does not take into account what expats spend here.

Spain is not daft, it needs us all, and our Euros count.

Brexit, no matter what happens,Spain will protect its self, its tourists, and its expats, as any alteration will destroy it financially, and it simply cannot afford that to happen.

A write up a while ago in a paper written by a expat, made it clear to the Spanish government that they should never underestimate the Brits here, if Spain started to make problems for the expats, and they had to walk away from there properties, and could not sell them, no property would be worth looking at, let alone buying!!!!!!!

So, enjoy all, Camposol will thrive, I have no doubt about it, and Brits are still buying on here, as next door to us, and at the top of the road, and they are coming out to retire early, as they have had enough of work, and realised life is to short.

Good luck to them all.

oink

Posted: Thu May 28, 2020 5:36pm

oink

Helpful member

Posts: 150

83 helpful points

Location: Camposol

Joined: 20 Jun 2018

Posted: Thu May 28, 2020 5:36pm

Ali52 wrote on Wed May 27, 2020 1:19pm:

I have been quoted huge amounts for insurance. Also we will have to pay for our medication, which in my partner's case adds up to over 200 euros per month. Quite a bit out of our income. Luckily I have enough income to support this. More worried about hospital stays. That is why our insurance is ...

...250 to 300 (quotes) per month.  So we DO need to have a monthly income of over 2k euro.  I know that is what I had to prove  but wondered if it had altered. We might be ok, it depends what the UK Gov does. I know the Spanish PM is sympathetic to us all. We will of course be able to buy houses out here  if we can fulfill gov requirements, but it is going to be a lot more expensive.

Sanitas mas 90 is quoting 70e monthly no co payments  suitable for residency .

Caserexpat quoting 105 mnth incl dental 

After jan non eu visa requires 26k yearly plus i think 8k for spouse .

If income greater than 18k then pay half the cost of meds

Under 18k 40%

Pensioners 10%

Better doing it before jan , 

sdb137

Posted: Thu May 28, 2020 6:03pm

sdb137

Very helpful member

Posts: 1020

628 helpful points

Location: Camposol

Joined: 21 Jan 2018

Posted: Thu May 28, 2020 6:03pm

Ali52 wrote on Wed May 27, 2020 1:19pm:

I have been quoted huge amounts for insurance. Also we will have to pay for our medication, which in my partner's case adds up to over 200 euros per month. Quite a bit out of our income. Luckily I have enough income to support this. More worried about hospital stays. That is why our insurance is ...

...250 to 300 (quotes) per month.  So we DO need to have a monthly income of over 2k euro.  I know that is what I had to prove  but wondered if it had altered. We might be ok, it depends what the UK Gov does. I know the Spanish PM is sympathetic to us all. We will of course be able to buy houses out here  if we can fulfill gov requirements, but it is going to be a lot more expensive.

Hi, If you check up on the Spanish law, the King of Spain ruled by Royal Decree, that EVERY RESIDENT, REGUARDLESS OF STATUS, WILL BE ENTITLED TO FREE HEALTH CARE.

I was told many areas abide by this, but some do not.

As usual Spain pleases itself on rules in different areas, and companies would lose a lot of income if expats did not have to purchase private medical cover.

The EHIC is no longer accepted, so you have to have private insurance for Residence.

I am not sure of the rules re retirement age and what happens with health care, but Brexit may alter that also. 

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Ali52

Posted: Thu May 28, 2020 7:47pm

Ali52

Helpful member

Posts: 201

136 helpful points

Location: Camposol

Joined: 2 Apr 2019

Posted: Thu May 28, 2020 7:47pm

sdb137 wrote on Thu May 28, 2020 6:03pm:

Hi, If you check up on the Spanish law, the King of Spain ruled by Royal Decree, that EVERY RESIDENT, REGUARDLESS OF STATUS, WILL BE ENTITLED TO FREE HEALTH CARE.

I was told many areas abide by this, but some do not.

As usual Spain pleases itself on rules in different areas, and companies would lose a lot of income if expats did not have to purchase private medical cover.

The EHIC is no longer accepted, so you have to have private insurance for Residence.

I am not sure of the rules re retirement age and what happens with health care, but Brexit may alter that also. 

Unfortunately, ( maybe) Spain is a democracy. Policy is set by government. At the  moment we are lucky the socialists are very sympathetic  to our plight. The royal decree where it concerns Brits is that we will be given the same access  and rights as now. As long as the UK gov grant the same to Spanish residents in UK. When Boris was asked about this, he hedged and of course, if they continue with the health premium, we are in trouble. So we do not know yet. It is in the hands of this Tory government. Or rather Dominic Cummins.

sdb137

Posted: Thu May 28, 2020 8:16pm

sdb137

Very helpful member

Posts: 1020

628 helpful points

Location: Camposol

Joined: 21 Jan 2018

Posted: Thu May 28, 2020 8:16pm

Ali52 wrote on Thu May 28, 2020 7:47pm:

Unfortunately, ( maybe) Spain is a democracy. Policy is set by government. At the  moment we are lucky the socialists are very sympathetic  to our plight. The royal decree where it concerns Brits is that we will be given the same access  and rights as now. As long as the UK gov gra...

...nt the same to Spanish residents in UK. When Boris was asked about this, he hedged and of course, if they continue with the health premium, we are in trouble. So we do not know yet. It is in the hands of this Tory government. Or rather Dominic Cummins.

Understood, lets hope its in our favour.

sdb137

Posted: Thu May 28, 2020 8:22pm

sdb137

Very helpful member

Posts: 1020

628 helpful points

Location: Camposol

Joined: 21 Jan 2018

Posted: Thu May 28, 2020 8:22pm

This post that was quoted has been deleted.

Agree, we have ours with ASSSA, and yes it is expensive, but I will not take any chances.

In addition I still keep a with a private health care company in UK, as we still have a UK address, and entitled to it as previous Civil Servants, and in case we decide to sell up and go home, subject to Brexit.

sdb137

Posted: Mon Aug 24, 2020 12:13pm

sdb137

Very helpful member

Posts: 1020

628 helpful points

Location: Camposol

Joined: 21 Jan 2018

Posted: Mon Aug 24, 2020 12:13pm

Ali52 wrote on Wed May 27, 2020 1:19pm:

I have been quoted huge amounts for insurance. Also we will have to pay for our medication, which in my partner's case adds up to over 200 euros per month. Quite a bit out of our income. Luckily I have enough income to support this. More worried about hospital stays. That is why our insurance is ...

...250 to 300 (quotes) per month.  So we DO need to have a monthly income of over 2k euro.  I know that is what I had to prove  but wondered if it had altered. We might be ok, it depends what the UK Gov does. I know the Spanish PM is sympathetic to us all. We will of course be able to buy houses out here  if we can fulfill gov requirements, but it is going to be a lot more expensive.

Life is dear.

Moving abroad can cost, subject to your age, you need medical cover, over retirement age Spanish system will provide cover.

You need medical cover for getting Residence, forget the EHIC cards, no good.

Living in UK is much more expensive all around, but of course the NHS is free for all, even if you have not payed into it.

Daily living in Spain is cheap, but of course setting up home will cost, price of property plus about 10% on top for purchase tax etc, some thing the PLACE IN THE SUN does not explain.

Brexit will not make a great difference, as the King of Spain has said, all Ex Pats will be treated the same, ( Spain has lost billions in revenue so far, it cannot afford to lose us Brits ) we bring in a great deal of money, and work for the Spanish who would be skint without us.

Camposol is a fantastic place, we have proved it, Community is magic, great to live on, brilliant people, good property, come visit first, look around, get in if you can, property is still selling fast, and more Brits will retire early after all the problems of the Virus, and Camposol is just the place.

Many do say, we will do it later, later never comes, and you do not know what it brings, so have a dream, and go for it.

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