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Spanish Health Insurance for Residencia

Posted: Sat May 9, 2020 1:46pm
13 replies512 views6 members subscribed
Andy7

Andy7

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Location: El Carmoli

Joined: 1 Jan 2018

Hi, I have begun the process of applying for Spanish residency and my solicitor has given plenty of good advice. One requirement is to obtain full Spanish Health insurance the cost of which seems to vary immensely.

Can anyone recommend a suitable insurer for residency purposes that is relatively simple to apply for and at a reasonable cost?

Any advice most welcome.

Cheers 

Will60

Posted: Sat May 9, 2020 4:30pm

Will60

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Posted: Sat May 9, 2020 4:30pm

If you are have Spanish Residency, and rely in private health insurance - in time that will become your ONLY source of healthcare.

It is not just about cost. It is about difficulty/convenience in accessing the service, as well as the standard of the service.

My wife and I happen to have our health insurance with DKV. My wife became seriously ill last year, and DKV have been absolutely fantastic. 

BUT we have had to travel to obtain treatment and tests, mostly to the Quiron Hospital in Murcia. We have also used (I think) 9 other medical facilities in Murcia, Elche and Torrevieja. 

This seems to be quite normal. We have met numerous other people "doing the rounds" - each having different insurers.

Into the detail .... insurers may quote the various clinics and hospitals that they use, but in reality, they pick and choose exactly what services they contract for at which hospital. So if your insurer's brochure says that they use (say) Quiron or IMED hospitals/clinics, the city you have to go to depends on the medical service you need.   

We use a GP in our village (not the health centre) and she acts as the gateway into the DKV system - and she is very good at it. 

Our local GP works with DKV (which may be why our local insurance broker recommended DKV). So it seems that the most important thing is to have an insurer who works with your local GP. 

These are the questions to ask your insurance broker. I think you should start with your local GP. Choose one who speaks English, then choose an insurer that works with that GP.

It seems to me that the different insurers are not far apart in price, for equivalent coverage. My wife is 62. I am 60. Our combined annual cost is 1760 Euros (but my wife incurred a 600 Euro "excess" last year, bringing the total to 2360 Euros).  

Without wishing to seem churlish, if you cannot afford the Private Health Insurance that you need, you cannot realistically afford to become Resident in Spain. Some people talk about moving on to the Convenio Especial after a year (i.e. paying into the Spanish NHS), but the costs are similar. 


eraser

Posted: Sat May 9, 2020 5:28pm

eraser

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Joined: 8 May 2018

Posted: Sat May 9, 2020 5:28pm

We are also with DKV. 66 + 74, monthly 330,00.

Andy7

Posted: Sat May 9, 2020 7:29pm

Andy7

Original Poster

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Posts: 121

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Location: El Carmoli

Joined: 1 Jan 2018

Posted: Sat May 9, 2020 7:29pm

Thanks for your comments, really helpful, 1800 euros for 2 people seems ok as we are both in our late 50's, however, some quotes I got online were over 2500e a year which seemed excessive. Money however isn't really the issue it was a good recommendation I was after so thanks both for this.

I will do more research but at least you have helped me narrow it down.

Andy

yamah1300

Posted: Sat May 9, 2020 10:20pm

yamah1300

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Posted: Sat May 9, 2020 10:20pm

I am 64 and use DKV they have been fantastic, nothing in to much i have full cover which covers cancer should i get it, i pay 14,000 euro's per year. best cover for the mony. and it does not go up because you use it, unlike most other companeys 

Roland

Posted: Sat May 9, 2020 10:58pm

Roland

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Posted: Sat May 9, 2020 10:58pm

Blimey 14 000 euro's a year ??

Pebbles

Posted: Sat May 9, 2020 11:07pm

Posts: 55

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Location: Fuente Álamo

Joined: 25 Jan 2018

Posted: Sat May 9, 2020 11:07pm

yamah1300 wrote on Sat May 9, 2020 10:20pm:

I am 64 and use DKV they have been fantastic, nothing in to much i have full cover which covers cancer should i get it, i pay 14,000 euro's per year. best cover for the mony. and it does not go up because you use it, unlike most other companeys 

Did you mean to say  €1,400 A year 😬

Will60

Posted: Sun May 10, 2020 11:47am

Will60

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Posts: 62

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Joined: 10 Feb 2020

Posted: Sun May 10, 2020 11:47am

yamah1300 wrote on Sat May 9, 2020 10:20pm:

I am 64 and use DKV they have been fantastic, nothing in to much i have full cover which covers cancer should i get it, i pay 14,000 euro's per year. best cover for the mony. and it does not go up because you use it, unlike most other companeys 

Our DKV insurance is "Integral Plus".

Last year, my wife endured chemotherapy, surgery and radiotherapy. DKV were brilliant. 

In the last two months, she has had follow-up scans, tests and medication adjustments. This has carried on throughout the Covid crisis (with appropriate precautions). 

We could not be more impressed. Worth every penny.

yamah1300

Posted: Sun May 10, 2020 2:20pm

yamah1300

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Joined: 7 Jul 2017

Posted: Sun May 10, 2020 2:20pm

Pebbles wrote on Sat May 9, 2020 11:07pm:

Did you mean to say  €1,400 A year 😬

Hi yes 1,400 sorry

yamah1300

Posted: Sun May 10, 2020 2:21pm

yamah1300

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Posts: 106

69 helpful points

Joined: 7 Jul 2017

Posted: Sun May 10, 2020 2:21pm

Roland wrote on Sat May 9, 2020 10:58pm:

Blimey 14 000 euro's a year ??

ya ya ya 1,400 

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