medical coverage
#16
Forum Regular
Joined: Jul 2008
Posts: 35
Re: medical coverage
Just out of interest, is there no medical screening where by they decide based on your medical history whether to cover you or not even if they charge extra/a premium to cover you for pre existing conditions/previous conditions?
#17
BE Enthusiast
Thread Starter
Joined: Jan 2010
Posts: 766
Re: medical coverage
Sorry I can't help you with that as I have never though about returning to live in UK in the 20+ years I have lived here. With every year, I enjoy being in Spain even more.
I am sure someone will be able yo answer you question, or maybe call the DWP, I am sure they will be able to help.
I am sure someone will be able yo answer you question, or maybe call the DWP, I am sure they will be able to help.
Cheers
#18
BE Enthusiast
Thread Starter
Joined: Jan 2010
Posts: 766
Re: medical coverage
We have a lot of trouble getting medical coverage, as soon as they hear my husband had 2 aneurysms repaired, they refuse anykind of coverage
#19
Banned
Joined: Dec 2009
Posts: 335
Re: medical coverage
I really do think you will get cover on the Spanish State System. If you have a word with the right dept of the DWP in UK, they will be able to tell you what you can expect. If you get State cover then private medocal insurance does not come into in.
Good luck
Good luck
#20
BE Enthusiast
Thread Starter
Joined: Jan 2010
Posts: 766
Re: medical coverage
Cheers
#21
Re: medical coverage
Yes, but not with severe stuff. I had shoulder ops, and they covered those after 12 months, whereas they wouldnt cover my nose () because I had a broken nose repaired!
#22
Re: medical coverage
There are a lot of grey areas re medical coverage in Spain, not least depending on where you will be in Spain.
To my knowledge if you intend leaving the UK for more than 3 months you should notify the UK NHS. As a resident in The Valencia area, after getting your padron and contacting Newcastle re your E121 (if one of you is over 60) you will be sent the necessary documentation to sign on the Spanish health system in that area and will be entitled to full cover, prescriptions etc.
For residents under 60 you would need the form E106 which would have given you similar coverage but I think that in Valencia they are now asking for a monthly contribution for prescriptions. I am not sure whether treatment in hospital for example has been changed.
One other thing that may be of interest is that most antibiotics can be obtained over the counter from the pharmacies
To my knowledge if you intend leaving the UK for more than 3 months you should notify the UK NHS. As a resident in The Valencia area, after getting your padron and contacting Newcastle re your E121 (if one of you is over 60) you will be sent the necessary documentation to sign on the Spanish health system in that area and will be entitled to full cover, prescriptions etc.
For residents under 60 you would need the form E106 which would have given you similar coverage but I think that in Valencia they are now asking for a monthly contribution for prescriptions. I am not sure whether treatment in hospital for example has been changed.
One other thing that may be of interest is that most antibiotics can be obtained over the counter from the pharmacies
#23
Re: medical coverage
There are a lot of grey areas re medical coverage in Spain, not least depending on where you will be in Spain.
To my knowledge if you intend leaving the UK for more than 3 months you should notify the UK NHS. As a resident in The Valencia area, after getting your padron and contacting Newcastle re your E121 (if one of you is over 60) you will be sent the necessary documentation to sign on the Spanish health system in that area and will be entitled to full cover, prescriptions etc.
For residents under 60 you would need the form E106 which would have given you similar coverage but I think that in Valencia they are now asking for a monthly contribution for prescriptions. I am not sure whether treatment in hospital for example has been changed.
One other thing that may be of interest is that most antibiotics can be obtained over the counter from the pharmacies
To my knowledge if you intend leaving the UK for more than 3 months you should notify the UK NHS. As a resident in The Valencia area, after getting your padron and contacting Newcastle re your E121 (if one of you is over 60) you will be sent the necessary documentation to sign on the Spanish health system in that area and will be entitled to full cover, prescriptions etc.
For residents under 60 you would need the form E106 which would have given you similar coverage but I think that in Valencia they are now asking for a monthly contribution for prescriptions. I am not sure whether treatment in hospital for example has been changed.
One other thing that may be of interest is that most antibiotics can be obtained over the counter from the pharmacies
#25
Banned
Joined: Dec 2009
Posts: 335
Re: medical coverage
in 1988, when I was 48, I was on Invalidity benefit, I got an E121 and was accepted in the Spanish Health System.
AS for paying. The UK pay somewhere in the region of 4,000 € a `year for each UK national and for each of their dependants, to the Spanish System. That includes dependants who are under retirement age and from outside the EU.
There is some `problem' at the moment with what some Spanish are calling 'Health Tourists' who are allegedly coming to Spain to get treatment, operations etc on their 'E111's.'
The 'problem' is that the countries from where people entitled to treatment under the reciprocal agreements are Billed by the health authority concerned for treatment, operations etc. The charge is paid by the patient's home country, less any charges Spanish people have incurred in that country, but the money is sent to central government in Madrid and not the health authority concerned. Thus for example Andalucia looses out.
In passing, a friend of mine has just received a letter from Newcastle saying that in future his EHC (E 111) will be issued by UK. This is the new system which is coming into force around July this year, we all get the card from our home country not from where we reside.
AS for paying. The UK pay somewhere in the region of 4,000 € a `year for each UK national and for each of their dependants, to the Spanish System. That includes dependants who are under retirement age and from outside the EU.
There is some `problem' at the moment with what some Spanish are calling 'Health Tourists' who are allegedly coming to Spain to get treatment, operations etc on their 'E111's.'
The 'problem' is that the countries from where people entitled to treatment under the reciprocal agreements are Billed by the health authority concerned for treatment, operations etc. The charge is paid by the patient's home country, less any charges Spanish people have incurred in that country, but the money is sent to central government in Madrid and not the health authority concerned. Thus for example Andalucia looses out.
In passing, a friend of mine has just received a letter from Newcastle saying that in future his EHC (E 111) will be issued by UK. This is the new system which is coming into force around July this year, we all get the card from our home country not from where we reside.
#28
Banned
Joined: Dec 2009
Posts: 335
Re: medical coverage
But please nope, as I said, the claimant does not necessarily need to of or over retirement age. I used my own case as an example. Qualified at 48 and later added my wife when I married who is well under retirement age.
Last edited by johncar61; Feb 2nd 2010 at 6:47 am.
#29
Re: medical coverage
In passing, a friend of mine has just received a letter from Newcastle saying that in future his EHC (E 111) will be issued by UK. This is the new system which is coming into force around July this year, we all get the card from our home country not from where we reside.
Unfortunately all current Spanish EHICs expire on or before 28th Feb so an interim card will have to be sought from INSS if travelling in the interim period.