Private healthcare cost in Spain, is it really this expensive?( Under retirement age) - Healthcare and medical advice in Albox - Albox forum - Costa de Almería forum in the Almeria province of Spain
ASSSA Insurance
UK DIRECT REMOVALS

Join the Albox forum

Join the Albox forumMy name's Alex and this is my website all about Albox in Spain. Register now for free to talk about Healthcare and medical advice in Albox and much more!

Private healthcare cost in Spain, is it really this expensive?( Under retirement age)

Posted: Wed May 6, 2020 12:41pm
10 replies613 views8 members subscribed
Shotto

Posts: 2

Location: Albox

Joined: 3 May 2020

Hi and thanks for allowing me to join the forum.

My query relates to healthcare in Spain. I am 61 and (was) looking to relocate to Murcia or maybe Valencia province in the next 12 months. I will be an early retiree with a smallish regular pension but hopefully a bit of cash behind me from a house sale.Unfortunately the coronoavirus has upset my plans a little. 

Now I think I understand the healthcare system as it currently stands. Please correct me if I’m wrong!

 I think that I need to be resident in Spain for 12 months before I can join the healthcare system using the Convenio Especial and in that time I will need a private healthcare insurance policy to get residency.

Now, I had a quote online here in the uk (axa) and was quoted for me and the missus (similar age) about £7500 for a twelve month policy......

Is that the norm?  I think that was an all singing all dancing including Dentist, but it seems a hell of a lot of money to me. Can anyone give me an approximate cost if bought over there in Spain and maybe recommend anyone. 

Thanks

Crancrank

Posted: Wed May 6, 2020 2:04pm

Crancrank

Helpful member

Posts: 338

203 helpful points

Location: Mojacar

Joined: 8 Feb 2018

Posted: Wed May 6, 2020 2:04pm

Hi Shotto,

To give you a fair comparison, we are similar age to you and our policy with Santander (Spain) bank costs us approx 1500 Euros a year and covers both of us so your quote sounds very high. We took it out initially to gain our residencia in Spain.

Hope this helps

CC

Shotto

Posted: Wed May 6, 2020 2:08pm

Shotto

Original Poster

Posts: 2

Location: Albox

Joined: 3 May 2020

Posted: Wed May 6, 2020 2:08pm

Crancrank wrote on Wed May 6, 2020 2:04pm:

Hi Shotto,

To give you a fair comparison, we are similar age to you and our policy with Santander (Spain) bank costs us approx 1500 Euros a year and covers both of us so your quote sounds very high. We took it out initially to gain our residencia in Spain.

Hope this helps

CC

Thank you, I thought so too. It was so much it was almost a deal breaker. Can I just ask, do you bank with Santander?  I never thought of insurance “ through the bank”

Thanks again

Keith

Crancrank

Posted: Wed May 6, 2020 6:41pm

Crancrank

Helpful member

Posts: 338

203 helpful points

Location: Mojacar

Joined: 8 Feb 2018

Posted: Wed May 6, 2020 6:41pm

Shotto wrote on Wed May 6, 2020 2:08pm:

Thank you, I thought so too. It was so much it was almost a deal breaker. Can I just ask, do you bank with Santander?  I never thought of insurance “ through the bank”

Thanks again

Keith

Yes we bank with Santander ES in Mojacar

Nicola 44

Posted: Thu May 7, 2020 4:13pm

Posts: 27

2 helpful points

Location: Vera

Joined: 11 Apr 2020

Posted: Thu May 7, 2020 4:13pm

Shotto wrote on Wed May 6, 2020 2:08pm:

Thank you, I thought so too. It was so much it was almost a deal breaker. Can I just ask, do you bank with Santander?  I never thought of insurance “ through the bank”

Thanks again

Keith

Hi, did you open the account up before you moved to spain and sorted your health care or did you do it once you had already moved, was it easily done and how long did it takeb

I do hope you don't mind me asking 

Many thanks nicola 

Crancrank

Posted: Thu May 7, 2020 4:36pm

Crancrank

Helpful member

Posts: 338

203 helpful points

Location: Mojacar

Joined: 8 Feb 2018

Posted: Thu May 7, 2020 4:36pm

Nicola 44 wrote on Thu May 7, 2020 4:13pm:

Hi, did you open the account up before you moved to spain and sorted your health care or did you do it once you had already moved, was it easily done and how long did it takeb

I do hope you don't mind me asking 

Many thanks nicola 

Hi Nicola, not a problem.

We opened our Santander account as soon as we arrived here in Spain, we are with the Mojacar branch and the assistant manager is a lovely Scottish lady who could not be more helpful. From memoery it took less than 30 minutes to open the account.

We took out the private health insurance about a year later simply to gain our resisdencia. Again the same lady assisted us by providing 3 quotes. The cheapest quote would not have gained us the residencia hence we took the middle quote which did. Again from memory no more than 30 minutes to set it up.

We also use Santander for the buildings insurance on both of our properties here.

Hope that helps

CC

Nicola 44

Posted: Thu May 7, 2020 4:46pm

Posts: 27

2 helpful points

Location: Vera

Joined: 11 Apr 2020

Posted: Thu May 7, 2020 4:46pm

Crancrank wrote on Thu May 7, 2020 4:36pm:

Hi Nicola, not a problem.

We opened our Santander account as soon as we arrived here in Spain, we are with the Mojacar branch and the assistant manager is a lovely Scottish lady who could not be more helpful. From memoery it took less than 30 minutes to open the account.

We took out the private health insurance about a year later simply to gain our resisdencia. Again the same lady assisted us by providing 3 quotes. The cheapest quote would not have gained us the residencia hence we took the middle quote which did. Again from memory no more than 30 minutes to set it up.

We also use Santander for the buildings insurance on both of our properties here.

Hope that helps

CC

That's great thanks, we're looking to come out this year but ov is on hold atm, wasn't sure weather to get health insurance in place before we arrive in Spain or do it when we come over, maybe bit of a rush all before December, do u think we could open the bank account and do the health insurance all at the same time to allow us our resedencia, many thanks 

Crancrank

Posted: Thu May 7, 2020 5:03pm

Crancrank

Helpful member

Posts: 338

203 helpful points

Location: Mojacar

Joined: 8 Feb 2018

Posted: Thu May 7, 2020 5:03pm

Nicola 44 wrote on Thu May 7, 2020 4:46pm:

That's great thanks, we're looking to come out this year but ov is on hold atm, wasn't sure weather to get health insurance in place before we arrive in Spain or do it when we come over, maybe bit of a rush all before December, do u think we could open the bank account and do the health insurance...

... all at the same time to allow us our resedencia, many thanks 

I don't know of any reason why you couldn't do both at the same time.

psy1967

Posted: Fri May 8, 2020 4:27pm

psy1967

Helpful member

Posts: 120

71 helpful points

Location: Velez-Rubio

Joined: 29 Jun 2016

Posted: Fri May 8, 2020 4:27pm

Sanitas (= BUPA) is another possible provider.  We went with them, cost similar to that quoted by Crancrank, little bit higher, but we did go with the all bells and whistles option which was recommended for the residencia - in fact specifically sold as such.  DKV were also recommended to us.

Luckily (touch wood) I have not had to claim, but I would be interested to hear whether any readers have experience of using their health insurance rather than just buying it. 

kenandval

Posted: Sun May 10, 2020 4:11pm

Posts: 53

20 helpful points

Location: Albox

Joined: 28 Jan 2017

Posted: Sun May 10, 2020 4:11pm

Hi



we are in our early 60,s and cannot get on the system in Spain until you get the S1form from when you are officially a pensioner. Only paid 42 years national insurance but no you are not a pensioner. ASSSA. Gold card.  Costs €3400 for myself and wife.  Local private doc is excellent.  Yes you need it for residencia and the first year you have to pay it all up front. Stops you cancelling it when you get residencia.   Blue card ASSSA minimum cover only €2300.  Costs depend on your medical background.  

Best regards


ken

Sign up for free or login to reply to this topic

Want to reply to this topic? Login or register for free to post your message:

Find more Healthcare and medical advice topics from a particular area:


Register for free!

Login to your account

UK DIRECT REMOVALS
ASSSA Insurance
Advertise your business here
Advertise your property