Make sure that all your Health Care needs in Spain are addressed with expert advice by turning toTailor Made Healthcare Solutions.
Our aim is to deliver high-quality services in a prompt and professional manner.
To stay updated on developments, visit our blog today.
You may also get in touch with us via phone on (0034) 956 777 905
We are very happy to pre-book a phone call at your convenience
|Posted on 12 December, 2018 at 9:05||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 (0)|
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
DKV INTEGRAL POLICY RATED SPAINS NO.1 MEDICAL POLICY FOR COMPREHENSIVE COVER
|Posted on 15 October, 2018 at 10:00||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..
SO WHY SHOULD WE BE CONCERNED
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........
|Posted on 24 September, 2018 at 5:55||comments (0)|
The British Ambassador to Spain has sent a clear message out to British citizens living in Spain.
Simon Manley Ambassador issues an open letter to all Brits living in Spain
Before Brexit you need to get yourselves registered correctly with the Spanish Authorities
Extract from Ambassadors September 2018 announcement
' In the meantime, please ensure you are correctly registered here in Spain, and stay up to date with the latest news, by signing up for email alerts and visiting the Living in Spain guide on gov.uk '
READ the full articlehttps://www.thelocal.es/20180914/an-open-letter-from-ambassador-simon-manley-to-british-citizens-living-in-spain" target="_blank"> CLICK ON THIS LINK Brexit, Spain & Applying for Residency
|Posted on 27 June, 2018 at 6:50||comments (0)|
The Only Medical Insurance in Spain for the 75 plus age group
We receive many enquires a month for this over 75s Medical Insurance and the reason for this is that there is no other insurer in Spain who will consider Insuring anyone over the age of 75.
In comparison to the DKV Integral Insurance it falls far short of the cover. This policy does not offer preventative screening and there are clauses where if you are injured in a car accident there is no cover.
This is an insurance which is not available in all of Spain's provinces. We are also quick to point out that there are very few medical centres that accept the Seleccion Medical Card and each year we see less and less location options. So there you have it an insurance that falls short of what is required for peace of mind. Yet despite this some people take the attitude some cover is better than no cover and decide to proceed with the 96,00€ per month that it costs.
In fact we prefer not to sell this insurance as it is not a great product. However we do so because it does suit some people who are over 75 that need to show the Government Authorities that they have health cover. We have also seen a number of over 75s use the Policy to obtain Visa or Residency despite the fact that it does have a 3 euro Copago (policy excess per claim) which essentially means that the authorities if being extra strict refuse residency/visa because it has a Copago.
So the upshot is that we will sell you this policy but warn you of the shortfalls from day 1.
DKV do still sell you a Normal Comprehensive policy if you are just under 75 and once insured as long as you pay you can continue the policy for your life time. If you are a particularly fit 75 yr old and not reached 75 1/2 years of age we might possibly still convince DKV to offer you a standard comprehensive policy. This would be at the Insurers discretion.
So the decision is yours. Not often you get an agent who does not want to sell a product but there you go we like to be honest and as I say for some people some cover is better than NO COVER
Article by Francis Payne
Tailor Made Healthcare Solutions Spain
Tel. 0034 956 777 905