Private health insurance

Posted: Sat May 14, 2022 10:59am

10 replies207 views7 members subscribed

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Posts: 11

Joined: 7 Jan 2022

Hi. My wife and I and our kids are moving over shortly. We will both be employed full time by Spanish companies and we will pay social security, taxes etc in Spain so I know we are entitled to healthcare. My employer offers an amount each month for private healthcare so I’m thinking of taking out a private policy for us. As I understand it, agents don’t act as brokers in Spain, they are aligned to one insurance company, is that right? Can anyone recommend a PHI insurance company or agent that can help us?

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Posted: Sat May 14, 2022 11:04am

Cheryl

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Posts: 2973

3538 helpful points

Location: Albatera

Joined: 8 Jun 2017

Posted: Sat May 14, 2022 11:04am

Contact Alfonso at http://www.granalacantinsurances.com/ he is extremely helpful at all stages, quote, renewals and claims and I highly recommend him.
He advertises down the right hand side of this page.

Posted: Sat May 14, 2022 12:05pm

janiceroquero

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Posts: 780

506 helpful points

Location: Santa Pola

Joined: 21 Aug 2020

Posted: Sat May 14, 2022 12:05pm

HI, If you are employed by a Spanish company you are entitled to be in the Spanish Public Health System.

I wonder why they are offering to pay for a private health insurance. Could it be that you will be self employed, but only working for one company. This has been a system used both here and in the UK. Guess who is the loser? The employee.

If it were me I would take this up with the employer before contracting any private insurance.

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Posted: Sat May 14, 2022 12:24pm

dizzle

Original Poster

Posts: 11

Location: Calp / Calpe

Joined: 7 Jan 2022

Posted: Sat May 14, 2022 12:24pm

janiceroquero wrote on Sat May 14, 2022 12:05pm:
HI, If you are employed by a Spanish company you are entitled to be in the Spanish Public Health System.
I wonder why they are offering to pay for a private health insurance. Could it be that you will be self employed, but only working for one company. This has been a system used both here and in the UK. Guess who is the loser? The employee....

Read more...

...
If it were me I would take this up with the employer before contracting any private insurance.

It’s a benefit they offer, PHI. So why wouldn’t I avail of it if they are paying for it each month?

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Posted: Sat May 14, 2022 12:25pm

Swimmer57

Helpful member

Posts: 258

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Location: Gandia

Joined: 30 Aug 2020

Posted: Sat May 14, 2022 12:25pm

janiceroquero wrote on Sat May 14, 2022 12:05pm:
HI, If you are employed by a Spanish company you are entitled to be in the Spanish Public Health System.
I wonder why they are offering to pay for a private health insurance. Could it be that you will be self employed, but only working for one company. This has been a system used both here and in the UK. Guess who is the loser? The employee....

Read more...

...
If it were me I would take this up with the employer before contracting any private insurance.

....but lots of people in the Spanish Health system use private insurance to top up and access speedier treatment. It could be the employer is offering private for this reason?

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Posted: Sat May 14, 2022 2:03pm

dizzle

Original Poster

Posts: 11

Location: Calp / Calpe

Joined: 7 Jan 2022

Posted: Sat May 14, 2022 2:03pm

Swimmer57 wrote on Sat May 14, 2022 12:25pm:
....but lots of people in the Spanish Health system use private insurance to top up and access speedier treatment. It could be the employer is offering private for this reason?

Yes, exactly.

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Posted: Sat May 14, 2022 3:37pm

Swimmer57

Helpful member

Posts: 258

164 helpful points

Location: Gandia

Joined: 30 Aug 2020

Posted: Sat May 14, 2022 3:37pm

dizzle wrote on Sat May 14, 2022 2:03pm:
Yes, exactly.

We're with ASSSA, (for a complete policy, but I know they offer top up ones too). They have English speaking reps, office staff and doctors, which other Spanish agencies may or may not have. They're ok and seem to do what they say on the tin. But- touch wood- we've not had any crises, and I haven't a clue about services for children.

Can you get any recommendations from your new colleagues?

Posted: Mon May 16, 2022 10:58am

MARIEL

Posts: 23

Location: Torrevieja

Joined: 26 Mar 2020

Posted: Mon May 16, 2022 10:58am

Good morning,

my name is Mariel, I am an agent from Adeslas health insurance, if you wish I can send you information, I just have to know your date of birth, postal code and an email to send it to you, and if you tell me your area I can send you information about the doctors around you.

thank you.

My email es:

[email protected]

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Posted: Tue May 17, 2022 5:41pm

spanishnoleys

Posts: 8

1 helpful points

Location: El Campello

Joined: 31 Mar 2022

Posted: Tue May 17, 2022 5:41pm

Are there any other recommenations for private health insurance companies, I am not a fan of ADESLAS having read the reviews on trustpilot. Over 500 votes and 98% of them gave them 1 out of 5, that's shocking.

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Posted: Tue May 17, 2022 6:12pm

MARIEL

Posts: 23

Location: Torrevieja

Joined: 26 Mar 2020

Posted: Tue May 17, 2022 6:12pm

spanishnoleys wrote on Tue May 17, 2022 5:41pm:
Are there any other recommenations for private health insurance companies, I am not a fan of ADESLAS having read the reviews on trustpilot. Over 500 votes and 98% of them gave them 1 out of 5, that's shocking.

I have seen that page and not only do they say negative comments about Adeslas, but they also say the same about other companies, we are working so that more and more doctors and staff speak English so that they can give the best care to our clients.