Anyone had to claim on private medical insurance?

Posted: Wed May 25, 2022 5:13pm

7 replies122 views5 members subscribed

Posts: 54

40 helpful points

Joined: 6 Oct 2019

We have our appointment for our visa applications on 17th June so I now need to take out our private medical insurance in readiness. Has anyone any good or bad experiences that will help me choose a company? For example ease of accessing help without having to travel a long way, whether there was an English speaking doctor etc. I’m favouring ASSSA at the moment but would love to know if anyone has direct experience claiming and whether it was good or not?

Reply
View 7 replies

Posted: Thu May 26, 2022 11:35am

MARIEL

Posts: 23

Location: Torrevieja

Joined: 26 Mar 2020

Posted: Thu May 26, 2022 11:35am

Hi!

I have already sent you a PM.

Regards!

Reply

Posted: Thu May 26, 2022 12:23pm

GrahamLynn

Legendary helpful member

Posts: 2534

2377 helpful points

Location: El Raso

Joined: 9 Jul 2017

Posted: Thu May 26, 2022 12:23pm

When you take out your private healthcare insurance you are given a list of places authorised by your company.

You don’t “claim” on your insurance you just take your card, make your appointment and receive treatment.

Lynn

Posted: Thu May 26, 2022 2:32pm

Stephanie86

Legendary helpful member

Posts: 2789

2105 helpful points

Location: Lliber

Joined: 4 May 2017

Posted: Thu May 26, 2022 2:32pm

GrahamLynn wrote on Thu May 26, 2022 12:23pm:
When you take out your private healthcare insurance you are given a list of places authorised by your company.
You don’t “claim” on your insurance you just take your card, make your appointment and receive treatment.

Read more...

Lynn

This system depends on your insurer and medical conditions. For many companies, authorization from them is required prior to consultation or treatment.

Posted: Fri May 27, 2022 12:32pm

janiceroquero

Very helpful member

Posts: 783

519 helpful points

Location: Santa Pola

Joined: 21 Aug 2020

Posted: Fri May 27, 2022 12:32pm

I think it's important to find a company that has a GP, family doctor close to where you are living. They are your first contact to be be referred if necessary to a specialist.

Reply

Posted: Mon May 30, 2022 5:07pm

Kerry Hague

Original Poster

Posts: 54

40 helpful points

Location: Pinar De Campoverde

Joined: 6 Oct 2019

Posted: Mon May 30, 2022 5:07pm

Thanks for all the replies, sorry I’ve only just seen them as we’re currently on holiday in Egypt and I forgot to log in and check. If anyone has any company they would personally recommend I’d love to hear.

Reply

Posted: Tue May 31, 2022 11:21am

AndrewM

Posts: 46

9 helpful points

Location: Alicante City

Joined: 20 Apr 2021

Posted: Tue May 31, 2022 11:21am

I had insurance with Asisa and now have it with Sanitas (the last one being a special offer for being a BBVA customer). I can recommend both of them. My experience is the same as that of "GrahamLynn" - if I want to see a GP or consultant I just make an appointment directly with them. If the doctor recommends a test, I don't generally need any additional authorization unless it is something a bit more involved like a colonoscopy and even then it is just a quick phone call, no paperwork. It really feels like I am paying to have access to an alternative health system rather than insurance as such.

Andrew

Posted: Wed Jun 1, 2022 1:52pm

Kerry Hague

Original Poster

Posts: 54

40 helpful points

Location: Pinar De Campoverde

Joined: 6 Oct 2019

Posted: Wed Jun 1, 2022 1:52pm

AndrewM wrote on Tue May 31, 2022 11:21am:
I had insurance with Asisa and now have it with Sanitas (the last one being a special offer for being a BBVA customer). I can recommend both of them. My experience is the same as that of "GrahamLynn" - if I want to see a GP or consultant I just make an appointment directly with them. If the...

Read more...

... doctor recommends a test, I don't generally need any additional authorization unless it is something a bit more involved like a colonoscopy and even then it is just a quick phone call, no paperwork. It really feels like I am paying to have access to an alternative health system rather than insurance as such.
Andrew

Thank you, that is exactly the kind of information I was looking for.