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Just been turned down for medical insurance

Posted: Mon Nov 19, 2018 1:22pm
6 replies227 views3 members subscribed
Kath1956

Posts: 17

Location: Villamartin

Joined: 27 Aug 2018

Just been turned down for medical insurance by Mapfre.Im 62 and i have rheumatoid arthritis .Can anybody recommend another company.Have just moved over and need this for at least 12 months to get my residency. 

John56

Posted: Mon Nov 19, 2018 1:31pm

John56

Legendary helpful member

Posts: 2995

5635 helpful points

Location: La Zenia

Joined: 7 Jul 2016

Posted: Mon Nov 19, 2018 1:31pm

As far as we know none of the insurance companies will provide cover for pre-existing conditions. 

When we arranged our private health insurance which we needed to apply for Residencia we used Gran Alacant Insurance and dealt with Alfonso, very professional and friendly, English speaking, we were delighted with the entire service and process, tel 966390830 or email [email protected], tell him John and Gillian from La Zenia recommended him. 

After a year of residency you can consider buying into the Spanish healthcare system that has no exclusions.

Alfonso would be able to advise you on all of this, good luck.

Kath1956

Posted: Mon Nov 19, 2018 4:11pm

Kath1956

Original Poster

Posts: 17

Location: Villamartin

Joined: 27 Aug 2018

Posted: Mon Nov 19, 2018 4:11pm

Thanks for your reply have emailed them.

Movingon

Posted: Tue Nov 20, 2018 12:32pm

Movingon

Super helpful member

Posts: 1857

1607 helpful points

Location: Albatera

Joined: 7 Feb 2018

Posted: Tue Nov 20, 2018 12:32pm

A word of caution, read the small print very carefully.

As mentioned few if any insurers will cover pre-existings and for the rare ones who will the premiums are likely to be ruinous.

Note also that many application forms for insurance (not just medical)  include a question something like “have you been declined or refused insurance elsewhere" to which your only honest response now has to be "yes" and that alone may be enough to bar you from securing cover.

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Ancient Printer

Posted: Tue Nov 20, 2018 1:34pm

Ancient Printer

Helpful member

Posts: 232

241 helpful points

Location: Javea / Xàbia

Joined: 4 Jan 2017

Posted: Tue Nov 20, 2018 1:34pm

This is really a Catch 22. I am 75 and NOBOBY will provide health insurance unless you have NEVER had any illness! I had prostate cancer 15 years ago - no recurrance and I was turned down. If you had chicken pox 60 years ago you are also disqualified!! Thus if Brexit leads to no deal, there will be 500,000 English returning to Engalnd!!!

Movingon

Posted: Wed Nov 21, 2018 8:27am

Movingon

Super helpful member

Posts: 1857

1607 helpful points

Location: Albatera

Joined: 7 Feb 2018

Posted: Wed Nov 21, 2018 8:27am

With the NHS already on it's knees and resources overwhelmed the very last thing UK wants or needs is for XXX,000 sickly coffin dodging pensioners to return to finish it off. 

Also there is a movement in Spain to provide health care to all legal residents making private insurance a thing of the past.

Ancient Printer

Posted: Wed Nov 21, 2018 9:15am

Ancient Printer

Helpful member

Posts: 232

241 helpful points

Location: Javea / Xàbia

Joined: 4 Jan 2017

Posted: Wed Nov 21, 2018 9:15am

Yes, perhaps all will be well in the end but I don't trust any politician and will believe it when I see it! If you want the truth reverse everything thay say.

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