Health insurance

We are in Campoverde. You should bear in mind ....

When you gain Residency/Visa/TIE, your PHI will, at least for a while, 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 in 2019, 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 or 9 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.

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FYI .... in Campoverde ... we use the private GP in Calle Lirio. We bought our DKV insurance via http://www.britannialegals.com/. They are on Avda del Pino, in the rank of restaurants etc.