Residencia problems - Residency in Altea: padron, residencia and passport advice - Altea forum - Costa Blanca forum in the Alicante province of Spain
Airport Service Taxi Mil Palmeras  Torre de la Horadada
Car Key Solutions
James Spanish School
Gran Alacant Insurances
interior building work
ASSSA Insurance
Blacktower Financial Management
Expat Services
Thy Will Be Done
Jennifer Cunningham Insurances SL
Espana Dream Properties
Gentlevan Removals
AA Free English TV
Costa Blanca Building Specialists

Join the Altea forum

Join the Altea forumMy name's Alex and this is my website all about Altea in Spain. Register now for free to talk about Residency in Altea: padron, residencia and passport advice and much more!

Residencia problems

Posted: Fri Jun 22, 2018 4:28pm
3 replies153 views3 members subscribed
Jeff22

Jeff22

Helpful member

Posts: 109

151 helpful points

Location: Altea

Joined: 7 Oct 2017

We seem to be having problems getting residencia. We retired early (at 62) and because we are not at state retirement age we are unable to have an S1 form from the NHS even though I have paid in over 45 years of N.I as there was a change of law in 2014 which only allows early retirees who are receiving benefits to have an S1 form so we need to have private insurance.

The problem we have found is that Benidorm police Station will not accept our insurance policy finding fault in the conditions that are the same in all the policies as no insurance company will insure a total cover until after a qualifying period. Therefore we have covered ourselves by ensuring we are covered by another policy which means we have to fly home every 90 days, but this policy covers for all possible incidents. However Benidorm Police still will not accept this. (The qualifying period refer to cancer or transplant treatment).

We are using a gestor through our abogados who are as shocked as us that the police are being so stubborn. We have enough money not to be a burden to the Spanish state, we have private pension that pay us well above the financial condition of residencia until our state pension kicks in, our own fully paid for property in Spain.  

Has anyone else experienced this or does anyone know of a health policy insurance company that has no qualifying period. Our insurance company has stated they are wrong and provided a certificate to prove our cover is compliant and the police will still not accept this.

Can anyone help       

dogsbody

Posted: Fri Jun 22, 2018 5:57pm

dogsbody

Helpful member

Posts: 174

112 helpful points

Location: Albir

Joined: 19 May 2017

Posted: Fri Jun 22, 2018 5:57pm

I am sending you a PM

Movingon

Posted: Fri Jun 22, 2018 7:47pm

Movingon

Super helpful member

Posts: 1857

1607 helpful points

Location: Albatera

Joined: 7 Feb 2018

Posted: Fri Jun 22, 2018 7:47pm

No doubt others will have encountered similar problems and somehow overcome them but on a strict definition basis full and comprehensive health insurance means just that, ALL eventualities are fully and completely covered from the inception of a policy, including pre-existing conditions, but very few if any companies will provide that without exclusions and/or qualifying periods.

If an insurer is claiming otherwise then personally I would question them very closely about it.

Jeff22

Posted: Sat Jun 23, 2018 2:31pm

Jeff22

Original Poster

Helpful member

Posts: 109

151 helpful points

Location: Altea

Joined: 7 Oct 2017

Posted: Sat Jun 23, 2018 2:31pm

I agree, all insurance companies have a cooling off period for items such as organ transplants and cancer treatment ect. 

Sign up for free or login to reply to this topic

Want to reply to this topic? Login or register for free to post your message:

Find more Padron, residencia and passport advice topics from a particular area:


Register for free!

Login to your account

Airport Service Taxi Mil Palmeras  Torre de la Horadada
Car Key Solutions
James Spanish School
Gran Alacant Insurances
interior building work
ASSSA Insurance
Blacktower Financial Management
Expat Services
Thy Will Be Done
Jennifer Cunningham Insurances SL
Espana Dream Properties
Gentlevan Removals
AA Free English TV
Costa Blanca Building Specialists
Advertise your business here
Advertise your property
Help with my computer