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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


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British Ambassador to Spain & residency announcement

Posted on 24 September, 2018 at 5:55 Comments 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

The only 75yrs plus Medical Policy in Spain

Posted on 27 June, 2018 at 6:50 Comments comments (1)

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 110,00€ 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 strict may 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

[email protected]

www.tailormadehealthcarespain.org

Dental Plan Policy Spain - Low cost Dentist

Posted on 12 June, 2018 at 5:10 Comments comments (5)

Are you living in Spain and in need of a dentist ? 

Are you aware you need high cost dental treatment ?

Use one of the affiliated network Dentists across Spain and we will save you money 

Tailor Made Healthcare Solutions are pleased to announce that the Dentisalud Dental Plan is on Special offer until the end of June 2018.

Pay just  106,08€ for 12 months cover  and if you have children under 14 years of age add them on the policy for FREE yes FREE.

The Dentisalud Policy means you can receive treatment from any of the  DKV affiliated Dentists across Spain even if you know you need expensive dental work.

A client called in last week to say they had been quoted 778,00€ for a root canal and crown from her local Dentist. With the Dentisalud Policy that price came down to 349€

Another client who had added her 13 year old Daughter on for FREE  had been quoted 3.900,00€ for Retainers and Braces over a period of 2 to 3 years. The client took out a Dentisalud policy and  the affiliated DKV Dentist confirmed a cost of 2.000,00€

Whilst the expensive work is Discounted there are 48 treatments where there will be nothing to pay and these include check-ups, xrays, fillings, extractions, clean & polish etc. 

There is no declaration to make. So even if you know you need urgent treatment simply call us arrange the policy (it takes 24 hours) and attend the next day. The DKV Dentist will give you the check-up and an Xray and then will quote you for the Dentistry You are in urgent need of.

Its as simple as that. You can contact us by phone or email (see below) or Click on this QUOTE CONFIRMATION LINK

Francis Payne 

Tailor Made Healthcare Solutions Spain

Call us on (0034) 956 777 905   

or email us [email protected]

Residency Application Spain & Medical Insurance

Posted on 12 June, 2018 at 4:55 Comments comments (3)

OUR BREXIT UNCERTAINTY & DECISIONS IN SPAIN

With the uncertainty of Brexit looming it is only natural that British citizens living in Spain are making the positive decision to get their Spanish affairs in order. After all when D day arrives it is surely sensible to be an approved resident as to not be may leave you facing a more difficult process.

 

Who knows what regulations and costs will be levied on British Citizens who are still here without residency approval, once the UK has completed its Brexit formalities and it is this uknown that has seen the majority of us in recent months apply for Residency .



The majority of Brits in the Spanish coastal resorts are accepting the need to comply and Spain has in the last 18 months introduced an improved appointment system to deal with the increasing queues of applicants looking to obtain "Residencia" with each month the wait gets longer

The decision to which medical insurance to have is straight forward as the Spanish Authorities are telling us we must take a Private Health Insurance Policy that has No Copago (policy excess) and is near as close possible to the Spanish State Healthcare.

In Spain your medical insurance offers you the option to contribute a small or large percentage of your medical treatment cost and by doing so your premium is reduced. The higher the part payment percentage you contribute the lower the premium becomes this part payment is known as Copago.

So for most British the decision is straight forward and we obtain a Policy with No Copago to support our Residency Application. The purpose of this blog is to bring awareness about some of the situations that can and do arise when making an application for residency.

Here are a few of the situations that we have dealt with experienced by existing clients.

  • Application refused because you cannot produce proof of payment
  • Application refused because your policy shows too many pre-existing conditions
  • Application refused because you have a Copago shown
  • Application refused because you have produced a policy that expires in a month
  • Application refused because the policy you have is restricted to your Province


The items listed 1 to 5 are fairly common and we often get calls from clients from all provinces in Spain stressed and confused as to what to do next. We have therefore provided a few suggestions that will result in happy solutions

In Spain you receive a Policy and it usually arrives with a Terms of Insurance contract which must be signed and returned, only when the contract is returned will the insurer take funds from the bank. So you must take with you proof of payment by way of a copy bank statement

 

If you have a policy and it shows a page with pre-existing conditions some pedantic officers may say its not good enough as it doesn't match state health. We are aware of a number of clients who have re-applied and presented the Policy without the exclusions page

 

Some clients have taken out a Policy not explaining to the agent its for residency and then presented the Authorities with a Policy that does show Copago. Sometimes a low Copago will not get noticed and they will get residency. Others have to make another appointment and upgrade the Insurance. We see many people in remoter inland towns apply and get accepted with Copago. However on the Costas of Spain this is seldom the case and regulations are stringently adhered to and we are seeing some very strange anomalies where some police officers get a bee in their bonnets.



Keep in mind that not everyone who is applying for residency seeks a new health insurance there are many people who have lived here for years and have always opted to have Private Medical Insurance so it is a myth that you need to attend with a new 12 month policy. The policy simply has to be contractually renewable.

If your policy expires within a month or two the Authorities may raise an eyebrow (not usually) However to be sure we as an Agency produce a certificate of contractual guarantee. It simply says to the Authorities that the policy is contractually guaranteed renewal . This is also good to have if you are applying for a VISA

.

There are Medical Insurance Policies that only insure you for treatment in the Province you reside in. We have seen a steady stream of people who get refused because of this restriction and ask us to provide a policy insuring them for all of Spain. Avoid Localised Medical Insurance.

Private Medical Insurance works well in Spain. The premiums are anything between 40% to 60% cheaper than a UK policy. The Spanish Costas have many Private Medical Centres and Hospitals that accept Medical Insurance customers. We often see when advertising in the Social Media comments such as 'Why go private State Medical is great in Spain'

 

Seems to me that many people have acclimatised to believing a 6 to 8 week wait is acceptable?

The fact is there is nothing great about having to wait for an appointment when you are ill or are concerned about a lump or pain that you cannot explain. What is good about wanting to see a specialist and waiting 6 to 8 weeks. What is good about waiting 9 months for a Hip operation then being told the appointment is cancelled because there are no beds or that the surgeon is no longer available.

 

Private Medical Insurance means that if you are in need of a specialist you simply ring and obtain an appointment. If you are told nothing available at a certain clinic or hospital for 6 days then ring several others and find the specialist you need sooner. Its as simple as that.



THEN THERE ARE THOSE WHO MAKE THE WRONG DECISION AND TRY AND WING IT

There are too many people in Spain thinking they can get away with Medical Treatment on a 90 day EHIC card or by renewing an annual travel insurance. These are options designed for first instance treatment. Under these options there is no long term cancer treatment or ongoing Diabetes care or 12 months of rehabiltation after a serious accident. The EHIC may last a year or some issued are 2 years but again they are for 90 days away at any one time after that you pay. The same with a travel insurance, the minute that you are fit for travel they suggest you return home to Britain to finish your treatment at your expense. Many people have come here for 6 months with a travel policy and get ill are treated for 2 weeks then told that is it you are fit enough to go home treatment is at an end. So there you are in Spain still needing urgent treatment or rehabilitation and another 5 months left on your planned visit

You may have been pressured into Medical Insurance because of Spain's regulations but once you have it in place make sure you take full advantage.

With the right policy go and get regularly screened. Book your preventative check ups and treatments at your convenience so Living the Spanish dream for you and your family really does become a happy reality.

For medical insurance in Spain it is often a good idea to go through an Agency who will be there to assist you with ongoing support . Most insurers have Call Centres that we all find frustrating so often better to call a good agent and speak with them first.

Also be aware that Medical Insurance through your Spanish Bank is often not like for like as Banks tend to offer a modality policy issued by the same insurer but where cover has been restricted.

For instance a DKV Insurance Policy through a broker or agent or Direct with DKV is usually more comprehensive than the slimmed down version sold by a Spanish Bank. Your Bank will claim that its a similar policy and time and time again we speak to people who have the Bank Policy that have been refused a certain treatment or have been capped on expenditure

 

Please feel free to contact Tailor Made Healthcare to talk through your situation. We assist 100's of Expats from all areas of Spain every month and our support to our policy holders continues beyond the point of sale.

If you would like a QUOTATION then Click this Link below and answer a few short questions Click Here "GET A QUOTE LINK"

Article Written by

Francis Payne

Tailor Made Healthcare Solutions Spain

[email protected]ain.org



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