Our company has a specialist who deals with all types of insurance, in particular - health insurance in Spain. We have partnership agreements with leading insurance companies in Spain: DKV, Salus, Adeslas, Mapfre, Sanitas, Asisa and others. We act as an intermediary between the client and the insurance company and help to choose the best solution for each individual client and to arrange health insurance in Spain. This is important because health insurance is a very individual thing.
Another important point is the availability of a surcharge on medical insurance in Spain. According to this criterion, all insurance policies are divided into two types: with or without a surcharge.
Policies without a surcharge imply a higher insurance premium, but you do not pay anything when visiting the doctor.
You will pay a small co-payment (about €2 to €20 per visit) when you seek medical help.
The next important thing to consider when concluding an insurance contract is the time limit (tiempo de carencia). This means that for certain services, such as pregnancy care, certain examinations or operations, treatment of certain illnesses, etc., there is a time limit after the conclusion of the insurance contract, during which these services are not covered.
Coverage comes into effect at the end of this period, which can be 3, 6, 9, or more months. This is important so you don't miscalculate. That is, if you have a medical condition and expect to treat it with insurance, keep this in mind.
There are two types of health insurance in Spain:
Medical care in clinics according to the list of the insurance company. When you sign a contract with an insurance company, you are given a list of medical institutions where you can receive medical care. This is an important point to pay attention to when choosing an insurance company: whether you are satisfied with the proposed medical facilities, whether they are close to you, etc. With this type of insurance you get everything for free or with a very large discount. This type of insurance in Spain is called Seguro de salud de asistencia médica.
Medical treatment in any clinic of your choice. Here you are not limited to any clinics, and you can receive medical care at any medical facility of your choice. But the mutual settlement system is slightly different: first you pay for the service, and then the insurance company will compensate you for your expenses. Compensation will be up to 80%.
Dental services are another important item. Considering that these services are not cheap not only in Spain, but also in other countries, it is very important to choose a policy that will include them too.
You may ask what we can do for you, because you can apply to the insurance company directly. We analyze your documents, your data, we fill in for you the questionnaires that are necessary for insurance companies so that they can calculate the rate, we send a request to the company, we receive an answer with the total cost of these or those products and together with you we choose the best solution.
It is important to know that insurance policy can be purchased by both residents and non-residents of Spain. In the latter case you will need:
- A copy of your passport and, in many cases, a foreigner's number (NIE);
- account number in Spain, but there are options when you can make a payment for the whole period at once, and then you just make a money transfer.
