Medical Insurance without excess to live in Spain
 

I have finally arranged my residency in Spain.

The last hurdle was the medical insurance. I took a copy of my policy which was a pretty extensive cover with leading Spanish insurer.
Had a couple of pre-existing illnesses (no company insures you for ongoing pre-existing) . I take in my existing policy and on this visit they spot that I have pre-existing conditions not insured. Police officer turns down my application on this basis.
I go home return 2 weeks later having removed the page of the schedule mentioning uninsured ailments. He seems happy with this policy until he spots that I have a part payment insurance. Yes I pay the first 3.95 of any medical treatment visit i make. Oh dear he has turned me down again despite the fact that my proof of income shows that 3.95 euros is a tiny drop in the ocean.

So home again and wait for next appointment for residency. I then contact my English Medical Insurance Agent who upgrades me to a zero copayment or Copago as its known in Spain and finally I get RESIDENCIA APPROVAL

Re: Medical Insurance without excess to live in Spain
 

Hi and a warm welcome to the Spanish forum on BE. Myself and Fred James are the moderators for the Spanish forums whilst BEVS moderates Europe. Moderators are there to ensure that the site runs smoothly within the rules of BE. This is so that members gain the information that they are looking for and find their experiences on the forums to be friendly and worthwhile.

Problems and complaints should always be addressed to a moderator who will look into the matter and deal with it efficiently and fairly. Our members who post in the Spain Forums are usually friendly and helpful with a wealth of knowledge about the issues of living in Spain. I hope that you enjoy your time participating in the forums.

Please let me know if you need any further help.

Rosemary