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Medical Insurance Assa or DKV, who would you use ?

Posted: Tue Jan 28, 2025 4:36pm
8 replies5 members subscribed
Dig

Posts: 8

4 helpful points

Location: Torrevieja

Joined: 9 Feb 2024

  Assa or DKV, who would you use, we are looking at ASSA Standard or DKV Elite Permium Classic, with a small co-payment.

Any thoughts welcome the cost if very similar, living near Los Alcazares 

marcliff

Posted: Tue Jan 28, 2025 4:56pm

marcliff

Legendary helpful member

Posts: 2799

3488 helpful points

Location: Rojales

Joined: 5 Jan 2023

Posted: Tue Jan 28, 2025 4:56pm

If you are taking out private health insurance for the purpose of applying for residency then co-payments are not allowed, no matter how small.

ASSA gets good reviews for service and cost though I don't personally use it. 

John123456

Posted: Tue Jan 28, 2025 5:42pm

John123456

Super helpful member

Posts: 1981

1421 helpful points

Location: Benidorm

Joined: 27 Feb 2021

Posted: Tue Jan 28, 2025 5:42pm

My partner and I have been with DKV for over 5 years with no issues even though we have full access to public healthcare.

As someone else has already mentioned if you are considering private medical insurance for visa purposes there cannot be co-payments.

"Health insurance. Original and a copy of the certificate accrediting the public or private health insurance with no co-pay (or deductible) contracted with an insurance entity authorized to operate in Spain. The insurance policy must be valid for 1 year and must cover all the beneficiaries of the visa for the risks insured by Spain's public health system. No travel insurances with medical assistance coverage will be accepted."

https://www.exteriores.gob.es/Consulados/losangeles/en/ServiciosConsulares/Paginas/Consular/Visado-de-residencia-no-lucrativa.aspx#:~:text=The%20insurance%20policy%20must%20be,assistance%20coverage%20will%20be%20accepted.

When you have been officially resident in Spain for at least one year you may apply to join the Convenio Especial. The Convenio Especial is a voluntary healthcare program that allows individuals to access Spain’s public healthcare system for a monthly fee. It is ideal for non-EU citizens who are not employed in Spain and, therefore, not contributing to the Social Security system, which is the standard route for residents to access public healthcare.If you’re under 65 years old, it’s €60 per month. If you’re 65 or over, it’s €157 per month. However, you will still have to meet the cost of prescriptions.

https://www.gva.es/es/inicio/procedimientos?id_proc=17044

Dig

Posted: Wed Jan 29, 2025 4:06pm

Dig

Original Poster

Posts: 8

4 helpful points

Location: Torrevieja

Joined: 9 Feb 2024

Posted: Wed Jan 29, 2025 4:06pm

John123456 wrote on Tue Jan 28, 2025 5:42pm:

My partner and I have been with DKV for over 5 years with no issues even though we have full access to public healthcare.

As someone else has already mentioned if you are considering private medical insurance for visa purposes there cannot be co-payments.

"Health insurance. Original and a copy of the certificate accrediting the public or private health insurance with no co-pay (or deductible) contracted with an insurance entity authorized to operate in Spain. The insurance policy must be valid for 1 year and must cover all the beneficiaries of the visa for the risks insured by Spain's public health system. No travel insurances with medical assistance coverage will be accepted."

https://www.exteriores.gob.es/Consulados/losangeles/en/ServiciosConsulares/Paginas/Consular/Visado-de-residencia-no-lucrativa.aspx#:~:text=The%20insurance%20policy%20must%20be,assistance%20coverage%20will%20be%20accepted.

When you have been officially resident in Spain for at least one year you may apply to join the Convenio Especial. The Convenio Especial is a voluntary healthcare program that allows individuals to access Spain’s public healthcare system for a monthly fee. It is ideal for non-EU citizens who are not employed in Spain and, therefore, not contributing to the Social Security system, which is the standard route for residents to access public healthcare.If you’re under 65 years old, it’s €60 per month. If you’re 65 or over, it’s €157 per month. However, you will still have to meet the cost of prescriptions.

https://www.gva.es/es/inicio/procedimientos?id_proc=17044

John, thank you, this is very helpful. 

Dig

Posted: Wed Jan 29, 2025 4:09pm

Dig

Original Poster

Posts: 8

4 helpful points

Location: Torrevieja

Joined: 9 Feb 2024

Posted: Wed Jan 29, 2025 4:09pm

marcliff wrote on Tue Jan 28, 2025 4:56pm:

If you are taking out private health insurance for the purpose of applying for residency then co-payments are not allowed, no matter how small.

ASSA gets good reviews for service and cost though I don't personally use it. 

Thank you for taking the time to reply, to date,my resaerch is pulling me towards DKV, slightly more expensive, but the cover, (having spoken to people), looks more  better. 

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Millies123

Posted: Wed Jan 29, 2025 5:14pm

Posts: 102

28 helpful points

Location: Playa Flamenca

Joined: 19 Jun 2023

Posted: Wed Jan 29, 2025 5:14pm

My self and husband have been with Assa for 9 years ive attended docs no problem my husband has had 2 ops very quickly and a good few doc appointments no problem at all on the minimum policy so atm can not fault them, we use Quiron hospital and very organised with appointments,  we qualify this year for the S1 but we are going to stay with Assa 

Dig

Posted: Wed Jan 29, 2025 10:35pm

Dig

Original Poster

Posts: 8

4 helpful points

Location: Torrevieja

Joined: 9 Feb 2024

Posted: Wed Jan 29, 2025 10:35pm

Millies123 wrote on Wed Jan 29, 2025 5:14pm:

My self and husband have been with Assa for 9 years ive attended docs no problem my husband has had 2 ops very quickly and a good few doc appointments no problem at all on the minimum policy so atm can not fault them, we use Quiron hospital and very organised with appointments,  we qualify t...

...his year for the S1 but we are going to stay with Assa 

Thank you for taking the time to reply, it was very informative.  May I wish you well 

Dave101b

Posted: Fri Jan 31, 2025 8:45am

Posts: 108

36 helpful points

Location: Benidorm

Joined: 30 Jan 2022

Posted: Fri Jan 31, 2025 8:45am

I have used ASSSA for the past 3 years and will continue to use them. They offer a good service  and respond very quickly if I call them about anything.

Dave

Dig

Posted: Sun Feb 2, 2025 3:38pm

Dig

Original Poster

Posts: 8

4 helpful points

Location: Torrevieja

Joined: 9 Feb 2024

Posted: Sun Feb 2, 2025 3:38pm

Dave101b wrote on Fri Jan 31, 2025 8:45am:

I have used ASSSA for the past 3 years and will continue to use them. They offer a good service  and respond very quickly if I call them about anything.

Dave

Thank you, Dave. Very helpful information 

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