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Health Insurance

Old Mar 21st 2021, 7:20 pm
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Default Health Insurance

Hi, I am quite new to this site and this is my first post so I hope I'm not repeating a previously asked question. My issue is my wife and I were hoping to make a permanent move to Spain next year and whilst trying to find an idea of medical insurance prices I enquired with Bupa who quoted 1600 euros per month and on another compare website they simply said 'we have nothing that matches your criteria'. I was wondering is this normal for such high prices or is Spain creating a catch 22 when you mush have insurance but cannot afford any insurance, I am 62 and my wife is 60, we are both thankfully in good health, your advice would be most appreciated
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Old Mar 21st 2021, 7:50 pm
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Default Re: Health Insurance

Originally Posted by lindasal
Hi, I am quite new to this site and this is my first post so I hope I'm not repeating a previously asked question. My issue is my wife and I were hoping to make a permanent move to Spain next year and whilst trying to find an idea of medical insurance prices I enquired with Bupa who quoted 1600 euros per month and on another compare website they simply said 'we have nothing that matches your criteria'. I was wondering is this normal for such high prices or is Spain creating a catch 22 when you mush have insurance but cannot afford any insurance, I am 62 and my wife is 60, we are both thankfully in good health, your advice would be most appreciated
Welcome to the forum.

If thats for both of you then its not bad. Im 58 and my wife is 57 I have no health issues but she has mild asthma and a knee problem.
Coverage for us to satisfy the residency requirements last year (so pre Brexit) was about €860 each with no copay and full coverage. It didn't increase this year but I'm certain it will next year.

If you are concerned about the cost of healthcare, this is not your biggest financial hurdle.
Im assuming you are retiring here, in which case you will need to show income of around €2,200 a month to obtain the visa (you cannot just come to Spain or anywhere else in the EU to live now without applying for one).

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Old Mar 21st 2021, 8:03 pm
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Default Re: Health Insurance

Originally Posted by Barriej
Welcome to the forum.

If thats for both of you then its not bad. Im 58 and my wife is 57 I have no health issues but she has mild asthma and a knee problem.
Coverage for us to satisfy the residency requirements last year (so pre Brexit) was about €860 each with no copay and full coverage. It didn't increase this year but I'm certain it will next year.

If you are concerned about the cost of healthcare, this is not your biggest financial hurdle.
Im assuming you are retiring here, in which case you will need to show income of around €2,200 a month to obtain the visa (you cannot just come to Spain or anywhere else in the EU to live now without applying for one).
Is that€860 per month or per year?
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Old Mar 21st 2021, 8:29 pm
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Default Re: Health Insurance

Thanks Barrie, but this is my worry about the catch 22 situation, say roughly 20.000 insurance and an income of about 35.000 (or do the authorities feel out of the 35K people can afford 20K before any other bills) how many have an income of 55.000 so this would rule out probably 90% of people hopeful of making the move
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Old Mar 21st 2021, 8:31 pm
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Default Re: Health Insurance

Originally Posted by IminSpain
Is that€860 per month or per year?
For the complete year, just re read the OP message. Im trying to do 3 things at once..

We used these.

https://www.aegon.es/

its all in Spanish but using Google as your browser it will translate.

or you could check with these people

Beneficial Insurance Services in Spain

not used them but my solicitor does.
they quoted me the roughly the same as Aegon.
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Old Mar 21st 2021, 8:37 pm
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Default Re: Health Insurance

Originally Posted by lindasal
Thanks Barrie, but this is my worry about the catch 22 situation, say roughly 20.000 insurance and an income of about 35.000 (or do the authorities feel out of the 35K people can afford 20K before any other bills) how many have an income of 55.000 so this would rule out probably 90% of people hopeful of making the move
Got it wrong WE pay €860 each for the YEAR.

Its the same now for all 3rd countries. The US, Canada, Australian, Chinese etc already had to show this, so it's just now a level playing field.

The money needed in the first year will need to be doubled at year 2 (as this is a 2 year visa)

Also you will have to take a Spanish driving test (assuming here you are from the Uk ) as its no longer possible to swap licences. Again 3rd country unless there is an agreement in place, which didn't happen when the Uk left.
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Old Mar 21st 2021, 8:59 pm
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Default Re: Health Insurance

Originally Posted by Barriej
For the complete year, just re read the OP message. Im trying to do 3 things at once..

We used these.

https://www.aegon.es/

its all in Spanish but using Google as your browser it will translate.

or you could check with these people

Beneficial Insurance Services in Spain

not used them but my solicitor does.
they quoted me the roughly the same as Aegon.
Yes I recently looked for my wife and I, was about €1300 a year for us both me 60 her 57, but we have CatSalut, was keen to see costs OP has been massively over quoted IMHO
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Old Mar 21st 2021, 9:31 pm
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Default Re: Health Insurance

im on DKV. no copay, no exclusions. 63 eur per month
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Old Mar 22nd 2021, 9:13 am
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Default Re: Health Insurance

I use Sanitas and I find it very good.

Used it a few times and was always able to get a an English speaking specialist and you get appointments very fast...

The one down side is that their website is in Spanish, which can be a bit tricky to navigate if you don't know the local lingo.

They have helplines in English.

These days you can get instant video consultations and they you will have a prescription within minutes.

I pay about 90 per month, but for that everything is included. There are some cheaper policies where you sort of pay a fee of maybe 15 euros or something like that when you actually need a consultation... I just went for the option where everything was included.

One key point is that any pre-existing conditions will not be covered. You will need to declare these up front whey you are getting the policy...
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Old Mar 22nd 2021, 2:12 pm
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Thank you all so much, its people like you who really make this forum what it is. keep up the good work folks
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Old Mar 22nd 2021, 5:03 pm
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Default Re: Health Insurance

I guess what we all find out is that a lifetime of 'misdemeanours', catch up with us, eventually...

Top that with what we get from our genes, and we all end up popping pills, in the end....

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Old Mar 22nd 2021, 5:17 pm
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Default Re: Health Insurance

Originally Posted by agree_to_disagree
One key point is that any pre-existing conditions will not be covered. You will need to declare these up front whey you are getting the policy...
In which case the policy is not valid for a residency application!

The cover must be full and without exclusions or co-payments, in essence the equivalent of that provided by the state health service.

I honestly doubt ANY policies on offer actually fully comply - doubly so for pre-existing conditions, for an insurance company covering those is akin to writing a blank cheque and no insurer who hopes to stay in business can afford to do that!
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Old Mar 22nd 2021, 5:29 pm
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Default Re: Health Insurance

I am already a resident so no issue for me....

However, I had a short break of about 3 months in my Sanitas cover. One condition that arose when I first had the policy, was explicitly excluded from the latter policy...

I doubt there are very many people of pensionable age who do not have one complaint or another, so following your logic, none of them would be entitled to become a resident.

Can you please provide a link to a government website in English or Spanish to confirm what you are suggesting, or are you speculating that might be the case?

It could make a big difference, to lot of people, what you are saying...
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Old Mar 22nd 2021, 6:21 pm
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Default Re: Health Insurance

As far as I am aware, what Notdunroamin said is correct. Not a Government site, but this immigration law website pretty much supports that:-

https://www.immigrationspain.es/segu...de_extranjeria
d
I know someone who finally registered as a resident in Spain in 2020, after living here (under the radar and returning to the UK for NHS treatment for a chronic condition) for 15 years. He was advised by the lawyer assisting him with his registration to lie on his application for private health insurance and not declare his pre-existing condition, as otherwise it would be excluded from cover and not accepted by Extranjeria. I think, apart from being totally unethical, that that was a very risky thing to do as if any treatment was needed which the insurance company could link in any way to the pre-existing condition, they would refuse to pay.

Last edited by Lynn R; Mar 22nd 2021 at 6:33 pm.
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Old Mar 22nd 2021, 6:41 pm
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Default Re: Health Insurance

Originally Posted by agree_to_disagree
I am already a resident so no issue for me....

However, I had a short break of about 3 months in my Sanitas cover. One condition that arose when I first had the policy, was explicitly excluded from the latter policy...

I doubt there are very many people of pensionable age who do not have one complaint or another, so following your logic, none of them would be entitled to become a resident.

Can you please provide a link to a government website in English or Spanish to confirm what you are suggesting, or are you speculating that might be the case?

It could make a big difference, to lot of people, what you are saying...
If we are speaking of UK citizens of pensionable age, even those moving to Spain after 1 January 2021 would be eligible for an S1 from the UK, giving them health cover in the Spanish public system, so would not need private health insurance. That was confirmed in another thread very recently (sorry, can't immediately remember which one).

Edit
This was the thread in question.
Moving to Spain

Last edited by Lynn R; Mar 22nd 2021 at 6:52 pm.
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