Posted: Thu Oct 22, 2020 3:06pm
We used DKV.
I noticed that you are replying to an old post ... so I have better information now.
Firstly, we have copay on our policy. Copay is no longer acceptable for Residency. A non-copay insurance policy is a bit more expensive. At age 60, you would expect to pay around 1050 Euros each per year for DKV.
Secondly .. it's not just about cost or about applying for Residency. When you gain Residency, your PHI will, at least for a while, become your only source of healthcare. So accessibility and quality are the important factors.
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.
We have a neighbour who uses a different insurer. Her nearest insurer-affiliated GP is 50 minutes away by car.