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Pensioners on S1 is it time to hedge your bets

Posted on 29 May, 2019 at 6:50 Comments comments (0)


At present a UK pensioner is entitled to an S1 and can use that for treatment here under the reciprocal arrangements with Spain. The S1 is accepted for British pensioners to apply for a Spanish Residencia.

However residencia is an EU residency for EU citizens. In the last 4 months we have been informed at meetings given by the British Consulate that Spain will leave the lawfully registered British residents alone after Brexit referred to as a period of grace. The period of grace is indicated at approximately 12 months after which they will be subject to Spains new process for British living in Spain. The suggestion is we will be applying once again for a new card under new terms with renewal conditions.

The biggest worry for most pensioners on the S1 is that Brexit will result in these reciprocal arrangements being removed or possibly trimmed down. Now many of you who are sitting on the fence will cry out ' nothing is certain nothing can be predicted ' and we are not disagreeing with you. However lets consider what can be done to guard us against the worst outcome.


So we suggest that for the next 18 months it maybe sensible for pensioners to hedge their bets and take out private medical until the results of Brexit become clear and Spain establishes how they will re-register British once they are out of the EU. Again I can hear people responding to this statement shouting at me  'It may not happen we may not leave the EU' and yes this is a possibility - BUT WHAT IF


For many of us Spain is now home we have committed to living here and bought homes. Every month we speak to many British people living in Spain who have been diagnosed with serious conditions that do not qualify for state health or for private healthcare and who must be faced with returning to the UK. 

What many people do not want to happen is to arrive here with S1 then contract a medical problem and receive treatment under the state system then in the event the S1 reciprocal arrangement is lost or trimmed they find themselves looking into Private Medical only to be told that they cannot get cover for a Pre-existing condition that they have been or are being treated for. For many serious conditions they will not be offered any private medical because the condition is a high risk one.

If we do Brexit and S1 is trimmed/lost the result will be for many pensioners who cannot get medical treatment to return back to the UK

So our take on this is if you are fit and healthy with minor pre-existing conditions then maybe its time to hedge your bets get private healthcare for the next 18 months to 2 years and with a Private Medical policy in place you can sit comfortably living in Spain , until such time that  the new options for British Citizens are ratified by Spain . Then if S1 is declared to continue you can cancel but if its lost at least you can stay in Spain knowing you have healthcare to submit under the new Spanish scheme that will be implemented

Francis Payne

Tailor Made Healthcare Solutions Spain

Free Healthcare for all in Spain

Posted on 20 December, 2018 at 5:40 Comments comments (2)

Free Healthcare for all in Spain

Since the Decree was issued we have spoken to 100's of customers who have tried and failed

Within the last 6 months we have spoken to many people who have tried to obtain the Free Spanish Healthcare and been turned away. Some have tried several times and others have employed lawyers or Spanish gestors to assist in the process.

This week we sold a medical insurance policy to a customer in Almeria a registered resident of Spain who was convinced that in Almeria there would not be an issue. However, he tells us that he made three attempts spending several days going from office to office to no avail. Finally he went to a Spanish law firm and asked them to assist. They wrote letters, attended meetings, yet 1200€ in fees later, the lawyer informed him that he would not be entitled in the near future. The explanation was that the Provincial Health Authority whilst knowing that the Decree was in place insisted that there was a higher law relating to Spain’s Social Security requirements and regulations which meant that they were only obliged to offer Free Healthcare to Pensioners, Disabled, Homeless, Destitute and illegal immigrants with no home.

This client aged 53 finally took out Private Medical Insurance for 43,99€ per month

Another client tells us that having received approval at their local village medical centre, they then had cause to go to a Spanish State hospital on an Emergency resulting in a 10 day stay. At the end of that stay he was given a payment demand for 8.500,00€. The hospital informed him that the medical centre had been incorrect in accepting his application as he had no S1 (S1 reciprocal medical care arrangement between governments) and was not paying social security in Spain. The medical centre had accepted him on basis of an EHIC card which is of course a temporary travel emergency medcial card for 90 days. The Spanish authorities checked and established this person had lived in Spain for 4 years therefore could not claim on the EHIC card either.

Each week we speak to people who share the same experiences of being refused, yet on Social Media when Private Healthcare is mentioned a string of posts appear telling people not to pay for healthcare because it is free. The majority who make these claims are pensioners on the S1 who are entitled to reciprocal medical care and are simply repeating what they have read without experiencing the reality. Slowly for most, the realization is dawning that the promised free healthcare is not going to be available to all any time soon and people must not take a chance with their health.

On Facebook in recent weeks I have challenged 2 people claiming they have the free Spanish State Healthcare yet when challenged it turns out they have been living in Spain dependent on the EHIC card for medical attention. Both admitted they were never aware that the EHIC is only for emergency temporary medical assistance ending 90 days after you arrive in Spain. Interestingly both ladies believed their husbands, who insisted to each of them that they did not need medical insurance as they were fully covered with a European Health Card. These days if you attend a Hospital and produce an EHIC for costly medical attention the Health Authority will require evidence of your arrival date and if you are getting treatment beyond the 90 days of arriving, they now raise an invoice.

A friend of mine on a 3 month caravan trip to Alicante collapsed 2 years ago and went to the State Hospital with his EHIC card. He was in a coma for 10 days and they found a tumour on his brain. At the time he was admitted, he had been in Spain for 60 days. The care he received was wonderful but when he reached his 90 days in Spain he was advised ongoing care would be at his cost. He stayed another 10 days until he was well enough for a car journey home. The 10 days cost 5.600,00€ Unfortunately my friend passed away 6 months later. This is a good example of how the EHIC works for genuine holiday makers and will not work for long term dwellers in Spain

In Spain you can arrange some very low cost health insurance by volunteering to pay a small excess each time you visit a Doctor or Specialist so for example a 60 year old can have a very comprehensive policy for as little as 48€ per month

Francis Payne

Tailor Made Healthcare Solutions Spain

The English Agency for Spanish Medical Insurance


(Healthcare Spain our advice is be sure dont gamble with your health or that of your nearest and dearest)

Tailor Made Healthcare on Spectrum FM radio

Posted on 12 December, 2018 at 9:05 Comments comments (0)

December 2018 see the start of our Radio Campaign for Southern Spain

The advert emphasises the quality of the insurance cover and the fact that there are virtually no price limitation on medical treatments.

It also mentions that the Policy we offer is a recommended Insurance to support an application for Residency


Posted on 1 November, 2018 at 7:20 Comments comments (1)

November Policies will be 20% less for upto 13 months. Then 2020 will be 15% lower and 2021 10% lower, 2022 5% lower


This is why this DKV Insurance is Spains most comprehensive and best value policy

1. No upfront payments - DKV settle direct with Hospital/Medical centre

2. No claim forms

3. Medical Cover without Limits - Treated until rehabilitated

( The most important clause to look for in medical insurance as 98% of insurers cannot match this in Spain)

4. Choice of DKV affiliated medical centres 1800 across Spain

5. Basic Dentistry

6. Travel Assistance & Accident & Emergency upto 20.000,00€ when outside of Spain

7. The Elite Option without Copago recommended policy Residency applications

8. Under this policy - Not happy with Doctor Specialist then get a second opinion

9. Includes all the main preventative Medical checks and cancer screening- wellman well woman checks

10. Choices -Not happy waiting a week phone other centres ,Specialists or Doctors and get seen sooner


Beware of Medical Insurance with a Spanish Bank

Posted on 15 October, 2018 at 10:00 Comments comments (0)

Beware of Spanish Banks and their medical insurance deals.

In Spain there are many Banks and Expat organizations who offer Spanish Medical Insurance via some of the big name Insurers.

We need to be aware that these Insurances are usually the same price or maybe a few euros cheaper per annum than buying it direct from the insurance company , but they do not normally offer the same cover as you would receive were you to insure direct with the Insurance Company.

Caixa Bank offer Caser Insurance, then Sabadell bank offer DKV medical insurance and a few large expat brokers offer similar big name Insurances via Sanitas, Assa Assisa Mapfre Axa. All the insurers will provide a trimmed down version of their insurance and leave the seller to put their own prices on the policy..



These large Organizations approach an insurance company promise the Insurer high volume of sales and negotiate a lower price policy and then negotiate it even lower by removing or reducing the cover. They create exclusions exceptions price caps and all the nasties we do not want to find in an insurance policy. Having reduced the cover substantially they then proceed to sell often never mentioning that its not the same product .

These type of  policies are called modality insurances. In these insurances physiotherapy maybe reduced to 30 sessions a year, heaven help you if you need rehabiltation after a serious accident requiring 120 physios in a year, Donor Tissues & Organs maybe excluded yet the policy mentions Surgery for organ transplant is included. You proceed thinking this clause includes the donor tissue or organ.

With the DKV Medical Insurance we sell there is NO COST LIMIT on treatment. You are treated until rehabilitated. The Sabadell bank DKV policy caps expenditure at 237.000,00 euros a very big difference to taking the DKV policy through our agency for unlimited cover.

If you are offered a cheaper cost for the same insurer it is almost definately a modality insurance lacking in cover as the Insurance Companies will not permit their fully comprehensive policy to be undersold for any reason

There are many people who have made the assumption that because its the same Insurance Company that they are getting like for like for 30 euros a year cheaper. Buyer beware........