Best basic health insurance for Residency

Posted: Fri Jul 15, 2022 6:22pm

2 replies82 views4 members subscribed

Sheila98989898

Posts: 57

4 helpful points

Location: Ontinyent

Joined: 27 Jan 2020

Hi everyone, advice on best health insurance for 63 year old residency applicant please

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Posted: Fri Jul 15, 2022 6:27pm

elinspain

Legendary helpful member

Posts: 3248

4131 helpful points

Location: La Mata

Joined: 4 May 2018

Posted: Fri Jul 15, 2022 6:27pm

Hello Shiela

As this will be your only health cover for at least a year, basic health cover isnt acceptable, you need a comprehensive insurance with full cover.

I can't reommend one as it doesnt apply to me but I'm sure, those who, currently have medical insurance will offer suggestions.

Cheers

Elinspain

Posted: Mon Jul 18, 2022 4:44pm

AsesorFin

Posts: 26

14 helpful points

Location: Benidorm

Joined: 2 Jul 2018

Posted: Mon Jul 18, 2022 4:44pm

Hello Sheila,

I agree with Elinspain, you need a fully comprehensive cover without co-payments, as this is a requirement from the Spanish consulate. Also, the insurance is a 1 year contract, which if you do not have a NIE number and Spanish bank account, you will have to pay the year up-front.

When taking out health insurance, please have a look at the companies Medical Network, as some are limited, in addition, if you are thinking of keeping the insurance for more than 1 year, I would recommend you have a look at insurance companies that have a LIFETIME coverage (this measn that they can't kick you out in case of high medical expenses, age or serious illness (once accepted)), as far as I know only 2 companies have this in Spain: DKV and AXA.

Feel free to contact me if you would like further advice, I will be happy to help. I work in an insurance agency through AXA.

I hope this helps!