insurance with diabetes/high blood pressure

Posted: Wed Oct 21, 2020 5:36pm

24 replies604 views7 members subscribed

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adammc

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Location: Pinoso / El Pinós

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Has anybody had any experience of getting a non co-pay health insurance policy with type 2 diabetes and high blood pressure as co-dependencies

I am applying for a TIE card and have the financial information sorted but have been turned down flat by DKV for a health insurance policy. I have a UK private health policy that I have had for 20 years and my health issues are controlled with medication

If any has had a similar experience or knows of an insurer who accepts this sort of health issue I would be grateful to hear from you as time is marching on.

Thanks

Adam

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Posted: Wed Oct 21, 2020 10:57pm

Angebadge

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Posted: Wed Oct 21, 2020 10:57pm

Hi adammc

You could try Alfonso at Gran Alicant insurance. He gets many recommendations 🤪🥂

https://www.granalacantinsurances.com/?utm_source=CostaBlancaForum&utm_medium=web&utm_term=&utm_content=&utm_campaign=CostaBlancaForum

Posted: Thu Oct 22, 2020 12:33am

adammc

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Posted: Thu Oct 22, 2020 12:33am

Angebadge wrote on Wed Oct 21, 2020 10:57pm:
Hi adammc
You could try Alfonso at Gran Alicant insurance. He gets many recommendations 🤪🥂

Read more...

https://www.granalacantinsurances.com/?utm_source=CostaBlancaForum&utm_medium=web&utm_term=&utm_content=&utm_campaign=CostaBlancaForum

Thank you

Regards

Adam

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Posted: Thu Oct 22, 2020 9:37am

John56

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Posted: Thu Oct 22, 2020 9:37am

As Angebadge says try speaking to Alfonso, he is very helpful and will be able to help you with all the options.

Posted: Thu Oct 22, 2020 1:54pm

Stephanie86

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Posted: Thu Oct 22, 2020 1:54pm

Unfortunately it is highly unlikely that any insurance company is going to cover you for anything pre-existing. Unless you had UK insurance with BUPA, which here is Sanitas and therefore transferable I understand, they are all likely to refuse to cover these conditions.

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Posted: Thu Oct 22, 2020 2:23pm

adammc

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Posted: Thu Oct 22, 2020 2:23pm

Stephanie86 wrote on Thu Oct 22, 2020 1:54pm:
Unfortunately it is highly unlikely that any insurance company is going to cover you for anything pre-existing. Unless you had UK insurance with BUPA, which here is Sanitas and therefore transferable I understand, they are all likely to refuse to cover these conditions.

I have existing insurance in the UK (not BUPA) but need Spain specific insurance for a TIE application.

There must be someone who insures otherwise the whole system would be discriminatory and unlawful under EU law. I accept that I may get rinsed on the price but I only need it for 12 months post residence then I can switch to Convenio especial apparently,

Posted: Thu Oct 22, 2020 2:26pm

John56

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Posted: Thu Oct 22, 2020 2:26pm

adammc wrote on Thu Oct 22, 2020 2:23pm:
I have existing insurance in the UK (not BUPA) but need Spain specific insurance for a TIE application.
There must be someone who insures otherwise the whole system would be discriminatory and unlawful under EU law. I accept that I may get rinsed on the price but I only need it for 12 months post residence then I can switch to Convenio especial apparently,...

Read more...

...

Don't be put off by negative comments, as suggested speak to an insurance expert like Alfonso or at other companies, there are always options available.

Posted: Thu Oct 22, 2020 2:30pm

Stephanie86

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Posted: Thu Oct 22, 2020 2:30pm

adammc wrote on Thu Oct 22, 2020 2:23pm:
I have existing insurance in the UK (not BUPA) but need Spain specific insurance for a TIE application.
There must be someone who insures otherwise the whole system would be discriminatory and unlawful under EU law. I accept that I may get rinsed on the price but I only need it for 12 months post residence then I can switch to Convenio especial apparently,...

Read more...

...

By all means contact Alfonso, may people seem to recommend him.

There is an outfit somewhere further south who will arrange insurance for pre-existing conditions and if you are interested, I may be able to find the name, but can’t guarantee it. The only thing I will say is that they are incredibly expensive - I know, we tried!!!!!! fortunately we are entitled to use the Spanish healthcare system, but I was interested in having PHI as we’d always had it in UK.

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Posted: Thu Oct 22, 2020 2:42pm

adammc

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Location: Pinoso / El Pinós

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Posted: Thu Oct 22, 2020 2:42pm

John56 wrote on Thu Oct 22, 2020 2:26pm:
Don't be put off by negative comments, as suggested speak to an insurance expert like Alfonso or at other companies, there are always options available.

I have made contact with Alfonso thank you. The broker who said DKV turned me down are in Estepona where I used to have a place and they were a bit dozy to be honest

Thanks

Adam

Posted: Thu Oct 22, 2020 2:43pm

adammc

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Posted: Thu Oct 22, 2020 2:43pm

Stephanie86 wrote on Thu Oct 22, 2020 2:30pm:
By all means contact Alfonso, may people seem to recommend him.
There is an outfit somewhere further south who will arrange insurance for pre-existing conditions and if you are interested, I may be able to find the name, but can’t guarantee it. The only thing I will say is that they are incredibly expensive - I know, we tried!!!!!! fortunately we are entitl...

Read more...

...ed to use the Spanish healthcare system, but I was interested in having PHI as we’d always had it in UK.

I don't really care what it costs as it is a pre-requisite for my TIE Application and it will only cost me for a year or so until I can move over.

Getting out of the UK for good is worth any cost really it is not a great place to be.