PHI cover and covid

Posted: Sat Feb 6, 2021 1:44pm

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Mags03169

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This is part of the email I received from the company representative who sold us our PHI cover -

Thank you for your reply, how do you feel since yesterday? Yes, private health insurance in Spain excludes epidemics declared as such by the authorities as a general rule. SALUS makes an exception and pays at least the consultations with the doctor or specialist and the first assistance in the hospital emergency room in case of covid symptoms, but no further hospital admission.

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Posted: Sat Feb 6, 2021 3:01pm

Peter3473

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Posted: Sat Feb 6, 2021 3:01pm

I suppose we all need to read the small print in our phi policies! Terrible if it’s all phi companies, Same as most insurances, they make things up to suit! Oh well such is life, stay safe and healthy my friends.

Posted: Sun Feb 7, 2021 9:28am

ldp

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Posted: Sun Feb 7, 2021 9:28am

It is all so confusing.

Below is a reply I had last year when I asked what would happen if we became seriously ill with covid needing hospital care or even intensive care

The insurance will cover your medical care if needed.

I hope you don’t have to use it, but the Spanish Health system or Salus will cover it.

Posted: Sun Feb 7, 2021 3:26pm

Mags03169

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Posted: Sun Feb 7, 2021 3:26pm

ldp wrote on Sun Feb 7, 2021 9:28am:
It is all so confusing.
Below is a reply I had last year when I asked what would happen if we became seriously ill with covid needing hospital care or even intensive care

Read more...

The insurance will cover your medical care if needed.

I hope you don’t have to use it, but the Spanish Health system or Salus will cover it.

Hi ldp, do you have a name or email address of the person from Salus who gave this information please ?

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Posted: Sun Feb 7, 2021 6:17pm

ldp

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Posted: Sun Feb 7, 2021 6:17pm

Mags03169 wrote on Sun Feb 7, 2021 3:26pm:
Hi ldp, do you have a name or email address of the person from Salus who gave this information please ?

[email protected]

Posted: Mon Feb 8, 2021 4:49pm

Lyn88

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Posted: Mon Feb 8, 2021 4:49pm

Mags03169 wrote on Sat Feb 6, 2021 1:44pm:
This is part of the email I received from the company representative who sold us our PHI cover -
Thank you for your reply, how do you feel since yesterday? Yes, private health insurance in Spain excludes epidemics declared as such by the authorities as a general rule. SALUS makes an exception and pays at least the consultations with the doctor or specialist and the first assistance in the ho...

Read more...

...spital emergency room in case of covid symptoms, but no further hospital admission.

After reading this I contacted sanitas and I have been assured that treatment and hospitalization for covid is covered. Maybe it depends on the cover you have and different insurers.