Harmony FM
Siesta Group
Just One Small Step - Counselling
Costa Caretaking
pa Language Services
Fincas Inland
My Cheap Removals
Gran Alacant Insurances
Viks Tennis
Aeromax
Almond Blossom Property Services
Protek - Property Management Key Holding Meet and Greet Cleaning Laundry Services General DIY and Garden Services
AA Free English TV
Spanish Dream Property
Parasol

Join the Torrevieja forum

Join the Torrevieja forumMy name's Jan and this is my website all about Torrevieja in Spain. Register now for free to talk about Introduce yourselves in Torrevieja and much more!

Health insurance

Whatsapp

Posted: Mon Aug 12, 2019 2:26pm
18 replies545 views10 members subscribed
Jstiles

Posts: 3

Location: Benitachell

Hi this is my first post.We are coming out to Spain in three weeks, looking for a property to buy and sort out NIE ,residencia etc.We will need health insurance and wondered if it’s best to purchase this when we arrive in Spain, or is it just as cheap in the uk.We are stopping in Torrevieja at a friends property to start with then hoping to buy nearer Alicante.We are both looking to work in Spain ,my wife is a footcare specialist ,and I do decorating and property maintenance both on a self employed basis .Any advice would be appreciated,local solicitor etc ,thanks in advance John and Margo

John56

John56

Legendary helpful member

Mon Aug 12, 2019 3:22pm

Posts: 1787

Location: La Zenia

2010 helpful posts

Posted: Mon Aug 12, 2019 3:22pm

If you are under State Pension age you will need Private Health Insurance when applying for Residencia, I would recommend that you speak to Alfonso at Gran Alacant Insurances, he is very helpful, professional and will take you through all the options, they advertise on the Forum or use the link below.

https://www.granalacantinsurances.com/

If you are over State Pension age contact DWP in Newcastle and speak to their Overseas Section to obtain your S1 Form to enable you to register in the Spanish Healthcare System.


Joan48

Mon Aug 12, 2019 3:38pm

Posts: 17

Location: Villamartin

4 helpful posts

Posted: Mon Aug 12, 2019 3:38pm

I have just rang for my S1 the number is 01912181999.

You can only apply 4 weeks before you leave. They will post it to you new address in Spain.

Cheers

Joan

RayD

RayD

Super helpful member

Mon Aug 12, 2019 3:43pm

Posts: 2642

Location: Catral

1805 helpful posts

Posted: Mon Aug 12, 2019 3:43pm

As you both intend to work and are under retirement age, you will get healthcare under the state system when you pay into the INSS, which you can do as soon as you arrive.

To become self employed you have to register as autónomo and make monthly contributions to the INSS. You will also both have to register with the Agencia Tributaria for tax purposes and have an asesor to do your tax returns for you.

If your wife becomes employed, she will also get healthcare as her employer will make contributions to the INSS and pay her tax on her behalf.

Getting any sort of employment in Spain does depend on being able to speak the language as, obviously, any employer will employ spanish speakers before taking on a foreigner.

So, I would get yourself registered as autónomo as a priority when you arrive and start paying the INSS contributions.

Kimmy11

Kimmy11

Super helpful member

Mon Aug 12, 2019 6:31pm

Posts: 1456

1674 helpful posts

Posted: Mon Aug 12, 2019 6:31pm

Hi John and Margo,

The S1 is only relevant to people in receipt of UK State Pension or another qualifying exportable benefit, such as Disability Allowance.

RayD has already explained the option of registering as autónomo (self-employed) to set up your own business, but if either you or your wife wanted to work for someone else, then you must ensure that the work is being offered with a contract, whereby your employer is responsible for paying your INSS contributions.  It's common to hear of people who are offered contracts, encouraged to start work immediately and then the contract never materialises, which would leave you without health cover.  Until the UK leaves the EU, you would be covered for emergencies with your EHIC (European Health Insurance Card), but any follow-up treatment needed would be chargeable.

If the self-employed option can't be achieved quickly, you would need to buy, as you've suggested, private health insurance.  My husband and I are with ASSSA (Standard Plus cover) - annual premium of Eu 1,870 for both of us, aged 58 and 61 respectively with no pre-existing conditions and no co-payments (for residency applications, Basic cover and/or cover with co-payments is insufficient).  I've used them a couple of times, for routine annual checks, and the service has been very good.

There are a lot of other companies offering PHI in Spain - Salus, DKV, Activa, Adapta, Integral amongst others.  It's worth noting that "agents" in Spain are not the sames as "brokers" in the UK, i.e. they sell the insurance for whom they are an agent, rather than searching the whole of the market to recommend the best offer for your circumstances.  This means that you need to get quotes from a number of providers and do your own comparison.  I looked at three UK companies offering PHI and they were all much more expensive than the Spanish providers, but that's because they were offering policies that covered the whole of Europe or global.

Kind regards,

Kim
Jstiles

Jstiles

Original Poster

Mon Aug 12, 2019 8:59pm

Posts: 3

Location: Benitachell

Posted: Mon Aug 12, 2019 8:59pm

Thanks for the replies, very useful.

Nakabandi

Tue Aug 13, 2019 9:18am

Posts: 112

Location: La Marina

44 helpful posts

Posted: Tue Aug 13, 2019 9:18am

Healthcare in Spain 'free and universal' to all residents, legal or not

FREE and universal State healthcare for everyone in Spain has now been officially restored after years of undocumented migrants being denied all bar emergency treatment.

Fri, Sep 7, 2018 https://www.thinkspain.com/news-spain/30942/healthcare-in-spain-free-and-universal-to-all-residents-legal-or-not

Golandrina

Golandrina

Helpful member

Wed Aug 14, 2019 7:08am

Posts: 183

Location: Almoradí

132 helpful posts

Posted: Wed Aug 14, 2019 7:08am

Have a look at Jim's Guides on this site.   Also the Citizens Advice Bureau Spain may have answers to some of the queries that you will have but be aware that many things will probably change after 31st October.   Also, many towns and provinces 'tweek' the rules and regulations for their own procedures.   Another helpful site is the N332 for anything to do with driving in Spain.   The latter is run in collaboration with officers of the Guardia Civil for English speaking people and has an English version of the Spanish equivalent of the Highway Code.

Kimmy11

Kimmy11

Super helpful member

Wed Aug 14, 2019 9:06am

Posts: 1456

1674 helpful posts

Posted: Wed Aug 14, 2019 9:06am

Nakabandi wrote on Tue Aug 13, 2019 9:18am:

Healthcare in Spain 'free and universal' to all residents, legal or not

FREE and universal State healthcare for everyone in Spain has now been officially restored after years of undocumented migrants being denied all bar emergency treatment.

Fri, Sep 7, 2018 https://www.thinkspain.com/news-spain/30942/healthcare-in-spain-free-and-universal-to-all-residents-legal-or-not

Hi Nakabandi,

It's worth reading a previous thread on this subject:

"FREE and universal State healthcare for everyone in Spain"

As I previously posted, I tried to pursue this, as we currently pay for private healthcare.  Frustrated by making any progress with the INSS (Spain's department of Social Security), I contacted a Gestor who told me that the new "free" healthcare will be means tested - so those of us who've already paid for private healthcare in order to obtain residency will have difficulty proving that we qualify.    

It would be really helpful to know whether you have been able to obtain free healthcare in Spain, under this new law?

 Kind regards, 

 Kim  

MeathMaria

Wed Aug 14, 2019 9:51am

Posts: 37

Location: Alicante City

23 helpful posts

Posted: Wed Aug 14, 2019 9:51am

Jstiles wrote on Mon Aug 12, 2019 8:59pm:

Thanks for the replies, very useful.

Alicante is a thriving City with building works ongoing and thousands of tourists arriving all year.    We live in a suburb near the main Hospital.   

We’ve employed a local Spanish company for small repairs but have not found any local English speaking companies.  

Nor have we seen any signs for podiatrists or any English speaking medical practices.  They may be incorporated within private medical centers.  

Perhaps the required documents to legally set up business are difficult to obtain?

Only know of ONE British restaurant in the city center!!   

But yes with advertising you both should in theory find plenty of work!!  There are many expats within and near the city who will need the skills and services you both have.

Wishing you every success.  

Sign up for free or login to reply to this topic

Want to reply to this topic? Login or register for free to post your message:

Related topics

Latest
Helpful

Popular topics this week in Torrevieja

Bilingual Spanish British

Introduce yourselves in Torrevieja

I am a bilingual spanish /british person born in uk with spanish parents ,I have had my own business...

14 replies and 16 helpful posts

Looking for a job: Plumber gas engineer

Jobs and careers in Torrevieja

Hi thereI’m currently a plumber / gas safe engineer in the uk looking to relocate and looking for ...

9 replies and 7 helpful posts

Cataracts

General Torrevieja discussion

Hello everyone,I need to see someone about eye cataracts. I live in the Torrevieja region, are there...

9 replies and 7 helpful posts

Properties in the Torrevieja area

For sale: 4 bedroom house / villa - €428,000

Torrevieja, Costa Blanca

Torrevieja is a modern city situated on a seaside in a southern part of Alicante province, the close...

For long-term let: 2 bedroom apartment / flat - €600 per month

Torrevieja, Costa Blanca

PROPERTY RENTAL NEGOTIABLE ON LONG-TERM LET CONFIRMATION *Quiet, Safe and Relaxed Suburb that is ...

For sale: 4 bedroom apartment / flat - €110,000

Torrevieja, Costa Blanca

Very large apartment in central torrevieja, comprises 4 bedrooms, 2 bathrooms and 3 terraces. Apart...

Find more Introduce yourselves topics from a particular area:


Register for free!

Login to your account

pa Language Services
Parasol
Viks Tennis
Aeromax
Protek - Property Management Key Holding Meet and Greet Cleaning Laundry Services General DIY and Garden Services
Costa Caretaking
My Cheap Removals
Just One Small Step - Counselling
Gran Alacant Insurances
Siesta Group
Spanish Dream Property
Harmony FM
Almond Blossom Property Services
AA Free English TV
Fincas Inland
Advertise your business here