General question about private health insurance

Posted: Tue Feb 20, 2024 9:47am

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Jo12

Posts: 27

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Location: El Campello

Joined: 11 Sep 2019

Hi everybody,

I’m a bit confused about the terms of health insurance here in Spain. Am I correct in saying that all policies are annual and that there is no way to get out before that without losing money? My insurance agent gave me the impression when I signed up that I could cancel anytime by just giving 30 days’ notice. But now she tells me that I must pay till the end of the annual period if I cancel now. Anyone has any experience or comment? Thanks in advance Jo

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Posted: Tue Feb 20, 2024 10:01am

Martyn1986

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Posted: Tue Feb 20, 2024 10:01am

Thats correct yes you have to pay the full year. Who are you currently using

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Posted: Tue Feb 20, 2024 12:22pm

Darro

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Posted: Tue Feb 20, 2024 12:22pm

You can pay monthly but the contract will be for the full year.

You either misheard or were misled, the latter being quite possible!.

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Posted: Tue Feb 20, 2024 4:32pm

Jo12

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Location: El Campello

Joined: 11 Sep 2019

Posted: Tue Feb 20, 2024 4:32pm

Martyn1986 wrote on Tue Feb 20, 2024 10:01am:
Thats correct yes you have to pay the full year. Who are you currently using

Thank you, really helpful. Have two months left so not so bad.

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Posted: Tue Feb 20, 2024 4:37pm

Jo12

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Location: El Campello

Joined: 11 Sep 2019

Posted: Tue Feb 20, 2024 4:37pm

Hi! I think I was misled. The agent was not very clear when I asked her a few years ago so I thought I could cancel just like any insurance. But that's not a problem anymore as we will use the national health care from now on. Thanks!

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Posted: Wed Feb 21, 2024 1:09am

dinnerout

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Posted: Wed Feb 21, 2024 1:09am

Jo12 wrote on Tue Feb 20, 2024 4:32pm:
Thank you, really helpful. Have two months left so not so bad.

I was with DKV. I made sure I gave them 3 months notice in writing by registered letter and email.

Check the small print. Hopefully a month is going to be enough in your case.

Steve

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Posted: Wed Feb 21, 2024 9:24am

Jo12

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Posts: 27

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Location: El Campello

Joined: 11 Sep 2019

Posted: Wed Feb 21, 2024 9:24am

dinnerout wrote on Wed Feb 21, 2024 1:09am:
I was with DKV. I made sure I gave them 3 months notice in writing by registered letter and email.
Check the small print. Hopefully a month is going to be enough in your case.

Read more...

Steve

Hi! Already done ! According to Spanish legislation you only have to give 30 days notice supposedly. I sent them an email (which is also considered a legal document). Jo

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Posted: Wed Feb 21, 2024 4:52pm

RavingDave

Posts: 15

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Location: Benidorm

Joined: 6 Feb 2024

Posted: Wed Feb 21, 2024 4:52pm

In spirit of what has been discussed and some responses, would it be wise/possible/something I need to do, to provide a thread (similar to MSE in UK) to recommend good companies (and not so good companies?) for the likes of banking, health insurance and other services where there is a fair amount at stake? Any thoughts?

N.B. I'm still in early days planning of move so do not have a wealth of knowledge that maybe some have.