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Health insurance for pre conditions

Posted: Wed Mar 4, 2020 5:05pm
5 replies91 views3 members subscribed
Michelle66

Posts: 25

Location: Vera

Joined: 18 Jul 2018

Hi, i am desperatly seeking medical insurance suitable for residency applications for pre exciting conditions. It also needs to be affordable as i am only here on a medical pension. I desperatly want to stay here i love Vera and it makes me feel so well, but without this insurance i wont be able to get residency. Any advice would be greatfully accepted.

DerekMaggie

Posted: Wed Mar 11, 2020 9:57pm

Posts: 15

3 helpful points

Location: Vera

Joined: 22 Jan 2017

Posted: Wed Mar 11, 2020 9:57pm

Hi. I don’t understand why you wouldn’t be able to get residency. 

Michelle66

Posted: Wed Mar 11, 2020 10:30pm

Michelle66

Original Poster

Posts: 25

Location: Vera

Joined: 18 Jul 2018

Posted: Wed Mar 11, 2020 10:30pm

DerekMaggie wrote on Wed Mar 11, 2020 9:57pm:

Hi. I don’t understand why you wouldn’t be able to get residency. 

Hi i need medical insurance to get residency and only certain policies are suitable.

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DerekMaggie

Posted: Thu Mar 12, 2020 8:21am

Posts: 15

3 helpful points

Location: Vera

Joined: 22 Jan 2017

Posted: Thu Mar 12, 2020 8:21am

Michelle66 wrote on Wed Mar 11, 2020 10:30pm:

Hi i need medical insurance to get residency and only certain policies are suitable.

We both had pre existing conditions and neither of us had insurance. We still got our residency. Unless the rules have changed very recently that’s  why I didn’t understand. 

DarioMartin

Posted: Thu Mar 12, 2020 8:54pm

DarioMartin

Legendary helpful member

Posts: 5342

6309 helpful points

Location: Vera

Joined: 16 Aug 2017

Posted: Thu Mar 12, 2020 8:54pm

DerekMaggie wrote on Thu Mar 12, 2020 8:21am:

We both had pre existing conditions and neither of us had insurance. We still got our residency. Unless the rules have changed very recently that’s  why I didn’t understand. 

Certainly in Almería you cannot get Residencia without some form of health cover.  This is provided in one of three ways;

1. By being a pensioner and obtaining an S1 form from DWP.  This effectively “transfers” your health cover from NHS to Spanish Health system

2. By working and paying Autónomo and so getting on Spanish Health system

3. By Private Health cover valid for at least a year.

Without some form of health cover, you will NOT get Residencia

DarioMartin

Posted: Thu Mar 12, 2020 8:57pm

DarioMartin

Legendary helpful member

Posts: 5342

6309 helpful points

Location: Vera

Joined: 16 Aug 2017

Posted: Thu Mar 12, 2020 8:57pm

Michelle66 wrote on Wed Mar 4, 2020 5:05pm:

Hi, i am desperatly seeking medical insurance suitable for residency applications for pre exciting conditions. It also needs to be affordable as i am only here on a medical pension. I desperatly want to stay here i love Vera and it makes me feel so well, but without this insurance i wont be able ...

...to get residency. Any advice would be greatfully accepted.

Have you had a word with Maxine at Liberty Seguros, Las Buganvillas?  She tells me they are very very competitive.

Also, I believe Santander bank offer a very good health insurance - if I recall it’s called “ASIAS” or similar.  Santander in Vera apparently has English speaking staff and I have seen them recommended.

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