Private Healthcare Insurance - Page 2

Hawkaye wrote on Fri Jan 26, 2024 12:46pm:

Hello Altea Forum,

Hope you're enjoying the current mini heatwave!

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I am looking to apply for the NLV in the near future, in order to relocate to Spain, probably in around 3 years from now. I am 63 years old, still working in the UK and plan to continue to work for another 2-3 years. I don't start receiving my full UK state pension for another 4 years, however, I have the necessary funds to self support myself with savings for the first 3-4 years after relocating to Spain.

It's not entirely clear to me when I need to have my Private Healthcare Insurance in place as is required for the NLV visa, so I have a few questions perhaps someone can help answer or advise me on, if possible please?

1. Does my Private Healthcare Insurance have to be in place before I arrive in Spain?

2. Does it need to be provided by/from a UK provider, or a Spanish provider?

3. Any recommendations on providers?

4. Can I apply for my NLV myself or do I need a legal assistance for this process?

If I've missed anything out, please let me know.

Thanks in advance.

Hawkaye.

Hawkaye wrote on Fri Jan 26, 2024 12:46pm:

Hello Altea Forum,

Hope you're enjoying the current mini heatwave!

Read more...

I am looking to apply for the NLV in the near future, in order to relocate to Spain, probably in around 3 years from now. I am 63 years old, still working in the UK and plan to continue to work for another 2-3 years. I don't start receiving my full UK state pension for another 4 years, however, I have the necessary funds to self support myself with savings for the first 3-4 years after relocating to Spain.

It's not entirely clear to me when I need to have my Private Healthcare Insurance in place as is required for the NLV visa, so I have a few questions perhaps someone can help answer or advise me on, if possible please?

1. Does my Private Healthcare Insurance have to be in place before I arrive in Spain?

2. Does it need to be provided by/from a UK provider, or a Spanish provider?

3. Any recommendations on providers?

4. Can I apply for my NLV myself or do I need a legal assistance for this process?

If I've missed anything out, please let me know.

Thanks in advance.

Hawkaye.

Hawkaye wrote on Sat Jan 27, 2024 2:35pm:

Hi Pedro,

Thanks for your reply, much appreciated.

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It wont likely be for another 3 years before I make my move to relocate to Spain so I presume I should have my Private Health Insurance in place a week or so before hand. Would this be suitable? What do you mean by excess?

I'm happy to stay in touch and to have an understand from you how your NLV process goes. For WhatsApp my number is +447787547921

Best wishes

2. Does it need to be provided by/from a UK provider, or a Spanish provider? Spanish.

3. Any recommendations on providers? ASSSA or iSalud. Ask a broker for a quote, Jennifer Cunningham insurance and Gran Alacant insurance both advertise on this site.

4. Can I apply for my NLV myself or do I need a legal assistance for this process? You can do it yourself to save money or pay for someone to guide you through it. There are many good guides on this site for doing it yourself. Just search NLV in the search box at the top.

Feel free to ask more.

PedroB wrote on Sat Jan 27, 2024 3:29pm:

It’s just insurance excess like you would have on your car or house insurance here in the UK. In Spain it’s called co-payment. So the insurance you need for the NLV needs to be paid for full year and have no excess. You can pay in full before hand so you have it in place when you go for your ...

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...NLV at the Spanish embassy and most insurance companies will start the cover when you move to Spain. 

Hawkaye wrote on Fri Jan 26, 2024 12:46pm:

Hello Altea Forum,

Hope you're enjoying the current mini heatwave!

Read more...

I am looking to apply for the NLV in the near future, in order to relocate to Spain, probably in around 3 years from now. I am 63 years old, still working in the UK and plan to continue to work for another 2-3 years. I don't start receiving my full UK state pension for another 4 years, however, I have the necessary funds to self support myself with savings for the first 3-4 years after relocating to Spain.

It's not entirely clear to me when I need to have my Private Healthcare Insurance in place as is required for the NLV visa, so I have a few questions perhaps someone can help answer or advise me on, if possible please?

1. Does my Private Healthcare Insurance have to be in place before I arrive in Spain?

2. Does it need to be provided by/from a UK provider, or a Spanish provider?

3. Any recommendations on providers?

4. Can I apply for my NLV myself or do I need a legal assistance for this process?

If I've missed anything out, please let me know.

Thanks in advance.

Hawkaye.

John123456 wrote on Sat Jan 27, 2024 4:37pm:

The following link explains everything that is needed to apply for a  Spanish Non Lucurative Visa:

https://www.exteriores.gob.es/Consulados/Manchester/en/ServiciosConsulares/Paginas/Consular/Visado-de-residencia-no-lucrativa.aspx

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You tell us you are 63 but won't be considering applying for a Non Lucrative Visa for at least another 3 years? When do you become entitled to State Retirement Pension from the UK? If you will be entitled to State Retirement Pension at the date of your application you can submit form S1 form instead of providing proof of private medical insurance. You can apply for an S1 from Overseas Healthcare Services which forms part of the NHS Businesses Service Authority.

NHS Overseas Healthcare Services +44 (0)191 218 1999

Opening times Monday to Friday, 8am to 6pm and Saturday, 9am to 3pm

OR by sending an email to:
[email protected]
The following link provides further information:
https://www.nhs.uk/using-the-nhs/healthcare-abroad/moving-abroad/planning-your-healthcare/#:~:text=How%20to%20get%20an%20S1,from%20the%20Overseas%20Healthcare%20Services.&text=You%20can%20apply%20for%20an%20S1%20form%20up%20to%2090,it%20for%20your%20visa%20application.

A receipt of registration of S1 form on the web of Social Security is also accepted as medical insurance for non-lucrative visa. To register S1 form please access the following link (Internet Explorer does not support this web, please use alternative browsers): 
https://tramites.seg-social.es/acceso/registro-s-1-cobertura-asistencia-sanitaria-espa%C3%B1a.html

This link provides further information:
https://www.exteriores.gob.es/Consulados/londres/en/ServiciosConsulares/Paginas/Consular/Visado-de-residencia-no-lucrativa.aspx

Hawkaye wrote on Sat Jan 27, 2024 4:47pm:

Hi John,

Thanks for your message and the information.

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I will qualify for my pension when I'm 67. If I relocate before then I will have to take out Health Insurance before and apply for my NLV at that time. If I relocate at 67, I only need to apply for my NLV. Is this correct?

Thanks again.