Insurance medical help.
Jun 12th 2012, 10:56 am
#1
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Joined: May 2012
Posts: 4
Insurance medical help.
Hi, im am moving to spain in 3 weeks to go live with my sister,
and was wondering what sort of insurance would cover me, as i have Epilepsy
and have sometimes during a seizure gained a nasty cut or bang.
I am not staying full time only for a rough stay of 6 months.
Thanks
Tom
and was wondering what sort of insurance would cover me, as i have Epilepsy
and have sometimes during a seizure gained a nasty cut or bang.
I am not staying full time only for a rough stay of 6 months.
Thanks
Tom
Jun 12th 2012, 11:08 am
#2
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Location: my paradise - Jávea
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Re: Insurance medical help.
Hi, im am moving to spain in 3 weeks to go live with my sister,
and was wondering what sort of insurance would cover me, as i have Epilepsy
and have sometimes during a seizure gained a nasty cut or bang.
I am not staying full time only for a rough stay of 6 months.
Thanks
Tom
and was wondering what sort of insurance would cover me, as i have Epilepsy
and have sometimes during a seizure gained a nasty cut or bang.
I am not staying full time only for a rough stay of 6 months.
Thanks
Tom
for the first 90 days you will be covered by your EHIC card as a tourist (assuming you are an EU citizen) - after that you should register as resident so can't use it
a couple of questions
do you get a pension in the UK?
are you currently paying NI in the UK?
this post I made a while ago might help you
are you a British citizen? (or EU )
if no, you can't get state healthcare in Spain unless you pay into the system - in fact you stand little to no chance of getting a resident visa in Spain
if yes, read on...
will you be getting a state pension from the UK?
if yes, then contact the DWP in Newcastle & ask for an S1 - you can plug into the state healthcare system here that way
if no, have you paid NI contributions in the UK?
if yes, then contact the DWP in Newcastle & ask for an S1 - you can plug into the state healthcare system here that way for up to 2 years if you have paid enough contributions
if no, then you would need private health ins. here in Spain, or be paying into the state system by way of NI contributions via employment
if no, you can't get state healthcare in Spain unless you pay into the system - in fact you stand little to no chance of getting a resident visa in Spain
if yes, read on...
will you be getting a state pension from the UK?
if yes, then contact the DWP in Newcastle & ask for an S1 - you can plug into the state healthcare system here that way
if no, have you paid NI contributions in the UK?
if yes, then contact the DWP in Newcastle & ask for an S1 - you can plug into the state healthcare system here that way for up to 2 years if you have paid enough contributions
if no, then you would need private health ins. here in Spain, or be paying into the state system by way of NI contributions via employment
Jun 12th 2012, 11:19 am
#3
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Re: Insurance medical help.
hi, only 22 and went to uni and haven't got a pension
Jun 12th 2012, 11:24 am
#4
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Jun 12th 2012, 12:31 pm
#6
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Joined: Feb 2010
Posts: 843
Re: Insurance medical help.
Hi, im am moving to spain in 3 weeks to go live with my sister,
and was wondering what sort of insurance would cover me, as i have Epilepsy
and have sometimes during a seizure gained a nasty cut or bang.
I am not staying full time only for a rough stay of 6 months.
Thanks
Tom
and was wondering what sort of insurance would cover me, as i have Epilepsy
and have sometimes during a seizure gained a nasty cut or bang.
I am not staying full time only for a rough stay of 6 months.
Thanks
Tom
Jun 12th 2012, 12:32 pm
#7
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Posts: 13,330
Re: Insurance medical help.
which is why I suggested 2 shorter hols
Jun 12th 2012, 12:38 pm
#8
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Posts: 4,920
Re: Insurance medical help.
The medical element of a travel insurance policy is also almost certain to exclude cover for pre-existing conditions such as epilepsy, unfortunately. At the very least the OP should contact the insurance company before taking out a policy to check, otherwise he could be paying for a policy which would not pay out when he needed it to.
Jun 12th 2012, 1:04 pm
#9
Joined: Jun 2006
Location: Granada Costa
Posts: 10,904
Re: Insurance medical help.
The UK issues EHIC cards to anyone who is "ordinarily resident" in the UK. Tom will almost certainly be considered "ordinarily resident" in the UK for the period that he is in Spain.
Considering that he will have full cover under the EHIC for any treatment needed while in Spain that would seem to be his best option.
Jun 12th 2012, 1:12 pm
#10
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Re: Insurance medical help.
Signing on the register of foreigners does not make you a resident but more to the point it certainly does not stop you using the EHIC card.
The UK issues EHIC cards to anyone who is "ordinarily resident" in the UK. Tom will almost certainly be considered "ordinarily resident" in the UK for the period that he is in Spain.
Considering that he will have full cover under the EHIC for any treatment needed while in Spain that would seem to be his best option.
The UK issues EHIC cards to anyone who is "ordinarily resident" in the UK. Tom will almost certainly be considered "ordinarily resident" in the UK for the period that he is in Spain.
Considering that he will have full cover under the EHIC for any treatment needed while in Spain that would seem to be his best option.
last year after my dad had been here 3 months the local health centre refused treatment with his EHIC card - they said he had to become resident & get an S1 (actually they asked for the E-whateveritwasyearsago - but they meant S1)
I had already in fact sent off for it so they agreed to treat him - I reckon they owed me anyway for all the free translating I do there every time I walk in
Jun 12th 2012, 1:19 pm
#11
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Posts: 10,904
Re: Insurance medical help.
That's always a risk but they had no right to refuse it.
Just because you stay more than 90 days does not give them the right to refuse it if it has been correctly issued by another member state and where the holder is still UK ordinarily resident.
They get paid for the treatment by the UK so I can't see why they have any right to refuse.
Of course there are many UK EHIC holders who break the rules by continuing to use it well after their UK residence status has changed.
Just because you stay more than 90 days does not give them the right to refuse it if it has been correctly issued by another member state and where the holder is still UK ordinarily resident.
They get paid for the treatment by the UK so I can't see why they have any right to refuse.
Of course there are many UK EHIC holders who break the rules by continuing to use it well after their UK residence status has changed.
Jun 12th 2012, 1:27 pm
#12
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Location: my paradise - Jávea
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Re: Insurance medical help.
That's always a risk but they had no right to refuse it.
Just because you stay more than 90 days does not give them the right to refuse it if it has been correctly issued by another member state and where the holder is still UK ordinarily resident.
They get paid for the treatment by the UK so I can't see why they have any right to refuse.
Of course there are many UK EHIC holders who break the rules by continuing to use it well after their UK residence status has changed.
Just because you stay more than 90 days does not give them the right to refuse it if it has been correctly issued by another member state and where the holder is still UK ordinarily resident.
They get paid for the treatment by the UK so I can't see why they have any right to refuse.
Of course there are many UK EHIC holders who break the rules by continuing to use it well after their UK residence status has changed.
in the event they didn't refuse - & I'm sure they wouldn't have done in an emergency at all
but does anyone really knowwhen residence status changes?
according to Spain you're meant to register as resident after 90 days
for tax, it's half a year............
I wish they'd just sort it all out once & for all
we all know people who live here all year, yet go back to the UK for medical treatment - don't sign on the padrón or register as resident - let alone make tax declarations
Jun 12th 2012, 2:27 pm
#13
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Location: Granada Costa
Posts: 10,904
Re: Insurance medical help.
The certificate of registration is a complete red herring. It does not make you a resident - it gives you the "right" of residency under EU law - that's all. It gives you the right to stay in Spain for more than 90 days at a time.
Your fiscal residency status is defined by your physical presence - not by an application form.
No wonder everyone gets confused about it.
Jun 12th 2012, 2:44 pm
#14
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Joined: Aug 2004
Posts: 212
Re: Insurance medical help.
The only legal form of residence that exists is fiscal residence - the 183 day rule and all that.
The certificate of registration is a complete red herring. It does not make you a resident - it gives you the "right" of residency under EU law - that's all. It gives you the right to stay in Spain for more than 90 days at a time.
Your fiscal residency status is defined by your physical presence - not by an application form.
No wonder everyone gets confused about it.
The certificate of registration is a complete red herring. It does not make you a resident - it gives you the "right" of residency under EU law - that's all. It gives you the right to stay in Spain for more than 90 days at a time.
Your fiscal residency status is defined by your physical presence - not by an application form.
No wonder everyone gets confused about it.
But on the front line, the green paper is now being used to decide your entitlement to health cover. INSS has taken over from centro salud to determine "sin recurso" entitlement, for instance. They are linked in with Hacienda.
The question is.........how and what action Hacienda will take to enforce the rules. In other words, at a point in the future, post treatment, will Hacienda decide that a patient really wasn't resident due to lack of fiscal residency status.
EHIC will no doubt cover the OP.
It should also be noted that EHIC will only cover a person for a maximum of 3 months continuous treatment. After that, strictly speaking you're on your own as you're supposed to go home!!
Jun 12th 2012, 2:55 pm
#15
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Joined: Jun 2004
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Posts: 13,330
Re: Insurance medical help.
But on the front line, the green paper is now being used to decide your entitlement to health cover. INSS has taken over from centro salud to determine "sin recurso" entitlement, for instance. They are linked in with Hacienda.
The question is.........how and what action Hacienda will take to enforce the rules. In other words, at a point in the future, post treatment, will Hacienda decide that a patient really wasn't resident due to lack of fiscal residency status.
EHIC will no doubt cover the OP.
It should also be noted that EHIC will only cover a person for a maximum of 3 months continuous treatment. After that, strictly speaking you're on your own as you're supposed to go home!!
The question is.........how and what action Hacienda will take to enforce the rules. In other words, at a point in the future, post treatment, will Hacienda decide that a patient really wasn't resident due to lack of fiscal residency status.
EHIC will no doubt cover the OP.
It should also be noted that EHIC will only cover a person for a maximum of 3 months continuous treatment. After that, strictly speaking you're on your own as you're supposed to go home!!