Health insurance

As I've said on several threads, we have used ASSSA since coming here two years ago, and have found them administratively at least, very good to deal with.

Fortunately, we haven't so far had to test them out on the effectiveness of the medical service, but we have used the dental cover, which does exactly what it says on the tin.

The reason we chose them in the first place was because they pledged that premiums would not rise by more than the rate of inflation whatever age you reach, unlike some other companies who hike their annual premiums substantially when you reach 'milestone' ages. Always check that aspect out when you're evaluating different companies.

And, yes, we found the paperwork supplied by ASSSA perfectly acceptable when we went for our residencia interviews.

Hi

It's not just about cost or about applying for Residency. When you gain Residency, your PHI will, in time, become your only source of healthcare. So accessibility and quality are the important factors.

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

We have a neighbour who uses a different insurer. Her nearest insurer-affiliated GP is 50 minutes away by car.