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What advice would I get from this forum if I move to Spain, take out private medical insurance as is required by Spainish law, These Policies do not cover Medical conditions that exist prior to taking out Medical insurance in Spain, If I did need medical treatment in Hospital for existing problem God for bid, where would I stand.
We have been advised that our policy still covers emergency treatment/ hospitalisation up-to diagnosis - this would apply until such time as a problem could be linked to a pre existing condition or something new. Clearly you'd need to ask this specific question which should be in each insurers booklet/ t&c's.
If you had a non emergency re-occurrence then you'd likely have to self fund.
After a year of legal residence you could join the state healthcare convenio especial which for a fee would cover pre-existing conditions.
Or you may have an exportable health benefit from your country of origin.
Sligogent wrote on Tue Apr 27, 2021 12:28am:
What advice would I get from this forum if I move to Spain, take out private medical insurance as is required by Spainish law, These Policies do not cover ...
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...; Medical conditions that exist prior to taking out Medical insurance in Spain, If I did need medical treatment in Hospital for existing problem God for bid, where would I stand.
Hi there,
All medical policies in Spain have the same exclusion: Pre-existing conditions are NOT covered, unless they are declared and expressively accepted by the Insurer. So it is very important that during the health questionnaire process you do declare any pre-existing conditions according to what they ask you. This is the only way that if you'd require assistance in the future, you are covered.
You should also check the insurer's network (hospitals and doctors you can use in your area), also check if the policy has co-payments (excess-deductible) as for residency you need it without co-payments.
Hope this helps,
Darryl.
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