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Health insurance
Posted: Mon Mar 15, 2021 11:33am
Hi.
Can anyone recommend Health insurance please. I understand that €600-800 is average but most quotes are over €2000. I am 74 but fit and healthy.
Thanks
Posted: Mon Mar 15, 2021 1:36pm
Helpful member
My wife and I use DKV. Our annual combined cost is around 2000. This seems to be about what others are paying. So at your age, 2000+ per year is not silly.
You should bear in mind ....
It isn't just about cost. Don't just choose the cheapest policy. When you gain Residency/Visa/TIE, your PHI will, at least for a while, become your only source of healthcare. So accessibility and quality are the important factors.
My wife and I have our health insurance with DKV. My wife became seriously ill in 2019, and they 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) 8 or 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.
We have a neighbour who uses a different insurer. Her nearest insurer-affiliated GP is 50 minutes away by car.
Posted: Mon Mar 15, 2021 4:27pm
Very helpful member
We (67 & 75) pay with DKV 340,00/monthly.
I fully agree with Will60
Posted: Mon Mar 15, 2021 4:54pm
Will60 wrote on Mon Mar 15, 2021 1:36pm:
My wife and I use DKV. Our annual combined cost is around 2000. This seems to be about what others are paying. So at your age, 2000+ per year is not silly.
You should bear in mind ....
Read more...
It isn't just about cost. Don't just choose the cheapest policy. When you gain Residency/Visa/TIE, your PHI will, at least for a while, become your only source of healthcare. So accessibility and quality are the important factors.
My wife and I have our health insurance with DKV. My wife became seriously ill in 2019, and they 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) 8 or 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.
We have a neighbour who uses a different insurer. Her nearest insurer-affiliated GP is 50 minutes away by car.
Hi
Thanks for your help. I have been in touch with DKV and awaiting a quote. I guess you are much younger than me if you pay €2000 for 2 people but €2000+ just for me is reasonable. Joys of old age!!
Vic
Posted: Mon Mar 15, 2021 5:12pm
Helpful member
Vic L wrote on Mon Mar 15, 2021 4:54pm:
Hi
Thanks for your help. I have been in touch with DKV and awaiting a quote. I guess you are much younger than me if you pay €2000 for 2 people but €2000+ just for me is reasonable. Joys of old age!!
Read more...
Vic
Just make sure that the private GP near your home is affiliated with DKV ... or whichever insurer you decide to go with.
Best wishes
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