ARE YOU ABOUT TO REJECT A POLICY BECAUSE OF EXCLUSIONS?

HAVE YOU BEEN OFFERED A SPANISH POLICY WITH MEDICAL EXCLUSIONS?

Why You Should Not Dismiss Policies with Exclusions for a Condition You Have Under Control.

Minor Risk vs. Major Risk:

A controlled condition (asthma, blood pressure, mild eczema and many others) usually means manageable, predictable costs.

If you are offered a policy excluding these, then do not dismiss it immediately.

You may decide to reject a policy because you have found a low-cost insurer who will say they can offer you coverage for the condition, so you go with that insurer.

Questions to ask are:

a) Is the level of coverage in the policy sufficient and worth it?

b) What more serious coverage will I lose by seeking a lower-cost policy?

Particularly as lower-cost insurers will have minimal coverage anyway.

Time to look at the bigger picture:

Does the policy that says it will exclude my conditions still permit me to see the specialist and obtain prescriptions?

A top-end insurer may let you see a specialist even though the condition is excluded (DKV Seguros policy will permit this)?

(source Tailor Made Healthcare)

Read the article, click the link below and see the subject section pertaining to exclusions.

https://www.tailormadehealthcarespain.org/.../the...

NOW ASK YOURSELF.

Does the policy that excludes my under control medical conditions provide a far better coverage than all the other Spanish insurance companies?

Focus on Total Coverage:

You will need to pay a bit more for a premium, comprehensive policy that offers superior benefits for catastrophic illness, whereas lower-cost plans often have narrow coverage limits on things like chemotherapy or specialised imaging and advanced tech treatment solutions and advanced technique surgeries, particularly for cancers heart, pulmonary and renal issues.

Real-Life Scenario:

Imagine Sarah, who has well-controlled asthma, applies for a high-end medical insurance policy.

Policy A (Comprehensive):

Offers € unlimited costs in cancer coverage, specialised treatment, advanced technology solutions and superior private care. However, they place a permanent exclusion on Sarah’s asthma, citing it as a pre-existing condition.

The Decision: Sarah declines Policy A, feeling it's unfair, and chooses Policy B (Basic), which accepts her asthma.

The Outcome (Four Years Later):

Sarah is diagnosed with breast cancer.

Policy B covers her asthma fully, but she discovers that her cancer coverage has a low level of solutions, and the insurer will charge for the chemotherapy drug, and no coverage for advanced-level high technology solutions and targeted therapies. Yet every doctor she sees is recommending those advanced-level treatments.

The Result: Sarah decides she needs the best treatment options a clinic or hospital is recommending and finds herself paying thousands out-of-pocket for cancer treatment, having sacrificed essential, high-tier coverage to avoid a manageable, minor cost for her asthma.

Key takeaway:

Prioritise the 99% of things you don't see coming (high-level cancer care, Renal issues, high-level cardiology treatments) over the 1% of things you do see coming (a controlled, pre-existing condition)

ARTICLE:

Francis Payne of Tailor Made Healthcare Spain.

(Read our web page articles on Spanish healthcare)

About Spanish medical insurance - About medical exclusions