Health insurance

My wife and I have our health insurance with DKV. My wife became seriously ill last year, and DKV have been absolutely fantastic. 

BUT we have had to travel to obtain treatment and tests, mostly to the Quiron Hospital in Murcia. We have also used (I think) 8 other medical facilities in Murcia, Elche and Torrevieja. 

This seems to be quite normal. We have met numerous other people "doing the rounds" - each having different insurers.

Into the detail .... insurers may quote the various clinics and hospitals that they use, but in reality, they pick and choose exactly what services they contract for at which hospital. So if your insurer's brochure says that they use (say) Quiron or Imed hospitals/clinics, the city you have to go to depends on the medical service you need.   

We use a GP in our village (not the health centre) and she acts as the gateway into the DKV system - and she is very good at it. 

Our local GP works with DKV (which may be why our local insurance broker recommended DKV). So it seems that the most important thing is to have an insurer who works with your local GP.

It seems to me that the different insurers are not far apart in price, for equivalent coverage.

We have the Salus Excellent policy.

We have a book which lists all the services provided in the different areas.

As we live near Torrevieja, we use Quiron Torrevieja for everything. GP services to surgery.

They have also reassured us, that if needed, we will receive any necessary testing and treatment due to covid19

I can't comment on the other services being recommended to you, but just to tell you that I looked into it extensively when we moved here two years ago and chose ASSSA, specifically because they guarantee that the premium will not increase as your age increases, other than by an amount for inflation. This is how it has panned out. It appears, though I can't say for sure, that some companies hike up your premium hugely when you reach milestone ages, e.g. 60, 70, 80.

Perhaps other people could comment on their experience.

We have moved out here perm

Thank you I will look into it not sure they are still open because of Covid 19

Ok thank you for your help