Heathcare

My wife and I (60 and 58) arranged a healthcare policy 2 weeks ago.

Our joint policy costs 1400 Euros for the first year, and will by about 10% per year for 3 years. 

We could have paid (I think about ) 20% more and had lower co-pay charges.

But as we are (touch-wood) both pretty healthy at the moment, the co-pay charges didn't look to be too much of an issue, and they top out at 600 Euros in any one year.

We are both non-smokers.

Hope this gives you a ball park figure.

Pre-existing conditions are excluded, but that was't an issue for us.

Prescription costs are co-pay. My wife has a couple of repeat prescriptions, but these are available over-the-counter, and they are not expensive, so not worth bothering the co-pay process with. The pharmacist just needs to see the sticky label on the UK prescription to authenticate it. Of course, if you need some special, rare prescription, that could be a different matter.

Oops !    I intended to say that our costs will increase by about 10% per year for 3 years.

Also, as your wife has reached UK pensionable age, she should be able to gain access to the Spanish NHS (which doesn't proscribe pre-existing conditions). However, there has been some recent debate on this forum around the issue of whether or not you lose access to the UK NHS if/when you join the Spanish NHS. I think you would be wise to seek expert advice on this one.

Thank you, very helpful

Again many thanks, I am sure we are not unique in this situation, I agree expert advise is needed. 👍

Thank you, really appreciate the informatio