Health insurance - Page 2

Hi Nakabandi,

I'm well, thank you, which is especially good, given the subject matter we're discussing! 😄

Certainly, the law was passed and it made great headlines at the time for the newly elected PSOE government.  It was adopted very quickly in the autonomous region of Andalucia.  However, as far as I'm aware, Valencia has still not rolled out these changes.  The INSS and some autonomous regions have track record for ignoring Spanish state law, so I'm not surprised that I can't find anyone on this forum (or anywhere else for that matter), who has succesfully achieved this.

Assuming we achieve a bilateral, reciprocal agreement with Spain post-Brexit, I will follow this up again - but probably no point me doing so until I've attained the 5-years "settled status" (permanent residency) here.

Kind regards,

Kim

Myself and Husband both under 65, took early retirement tried to get free health care. Been resident for 3 years live In Torrevieja, both been told no. Citizens Advice advised they feel free health care has been withdrawn. As so many people have said the Same as us. Hope that helps.

Maybe if you get an S1 form it may help. Unless you already have one. Just a suggestion.

Cheers

Joan

Hi Joan,

Unfortunately, you can't get an S1 form unless you're in receipt of State pension or another exportable benefit, such as Disability allowance.  Early retirees, like me, have to pay for private health insurance in Spain.

Kind regards,

Kim

Hi Kim, what happens if people have pre existing medical conditions with the ASSSA Policy ?  Is the online quote just for no pre existing conditions ? I cant see anywhere on their Website to Add Pre existing conditions.  Thank You..... Chris

Hi Chris,

I'm afraid I don't know the answer, as hubby and I have no pre-existing conditions.  Many companies will cover pre-existing conditions, others will provide cover, but exclude the pre-existing condition.  It depends on the condition: for example, friends of ours who both have gluten and dairy allergies were able to get inclusive cover from DKV, as their conditions are controlled by medication. 

Even with the providers where I was able to complete a proforma request on their website, they called me back anyway, so I think you're going to have to call ASSSA, rather than complete their online proforma.

Kind regards,

Kim

This is something you have to ask your PHI provider, we are with Salus and the policy excludes pre-existing conditions unless you pay a considerably higher premium, even after a Medical Assessment they excluded my conditions.