10 GOOD REASONS TO CHOOSE DKV INTEGRAL MEDICAL INSURANCE
Posted on 1 November, 2018 at 7:20
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

Tailor Made Healthcare Solutions are an English Agency for Spanish Medical Insurance offices located in Spain

www.tailormadehealthcarespain.org

DKV SELECCION Policy for over 75s Its not the best and we tell you why

The Only Medical Insurance in Spain for the 75 plus

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

So there you have the truth now if you still want to apply and get confirmation of QUOTE and Brochure then click on the following text

SEND ME DKV SELECCION POLICY INFORMATION AND PRICE

Article by Francis Payne
Tailor Made Healthcare Solutions Spain
Tel. 0034 956 777 905
enquiries@tailormadhealthcarespain.org

www.tailormadehealthcarespain.org

Our change of Healthcare insurance on moving to Spain

Our Healthcare experience moving from UK to Spain

To obtain a QUICK QUOTE click on this link QUICK QUOTE

If you're moving to Spain it's worth obtaining a medical insurance quote from a Spanish Health Insurer. When I moved to Spain I arrived with my BUPA cover in place after they informed me the policy was worldwide.

On arrival in Spain my daughter was ill and because of this I checked the policy in more detail, only to find that cover worldwide was restricted to 120 days abroad. I reported this to BUPA as their error, after all I had made it very clear I was moving to live in Spain permanently.

Bupa then put me in touch with Sanitas their partner in Spain who offered me a new Bupa-Sanitas insurance for 2 adults and 2 children 390 euros a month. This was 150 cheaper than the UK premium I had been paying, so at the time was I happy.

Within 18 months after too many authorization problems and delays in getting authorizations I left Bupa Sanitas and joined DKV Seguros taking up their Integral Elite Policy which insured all four of us for 250 euros a month. The change was a good one and as a family we have been happy for last 8 years with premiums rising with age and occasionally with inflation.

Since then as you can see from this article I became an agent for DKV and now sell medical insurance mainly to Expats living or moving to Spain. In that time a lot of expats who struggle with making themselves understood have transferred their existing DKV policy to our agency where we provide support.

Spain is a great place to live and retire. The sheer volume of European expats requiring health insurance has meant that competition is fierce and premiums can be a lot cheaper than insuring in the UK. Also because you cannot insure a pre-existing condition with any insurer its worth knowing that treatment & surgery etc is a lot cheaper if you have to pay for it yourself.

A trip to any of the Costa del Sol Private Hospitals will confirm there are a lot more people using Spanish private health facilities on a daily basis. Higher volumes have resulted in lower medical cost charges which ultimately have reflected in lower premiums across the board. Most insurers also offer what is known in Spain as Copago where you can reduce the premium further by contributing a small amount of the treatment cost each time you attend, a system that works well for low users.

Tailor Made Health Solutions Spain will provide you with an affordable Quote and an excellent health cover policy with initial summary of cover in English.
Our insurer is widely accepted by the majority of medical centres across Spain and has one of the largest medical networks of all the insurers.

To obtain a QUICK QUOTE click on this link QUICK QUOTE

Francis Payne
Tailor Made Health Solutions Spain

www.tailormadehealthcarespain.org