Why you should beware of many Spanish Bank Insurance policies

Beware of Medical Insurance with a Spanish Bank

Posted on 15 October, 2018 at 10:00

Beware of Spanish Banks and their medical insurance deals.

In Spain there are many Banks and Expat organizations who offer Spanish Medical Insurance via some of the big name Insurers.

We need to be aware that these Insurances are usually the same price or maybe a few euros cheaper per annum than buying it direct from the insurance company , but they do not normally offer the same cover as you would receive were you to insure direct with the Insurance Company.

Caixa Bank offer Caser Insurance, then Sabadell bank offer DKV medical insurance and a few large expat brokers offer similar big name Insurances via Sanitas, Assa Assisa Mapfre Axa. All the insurers will provide a trimmed down version of their insurance and leave the seller to put their own prices on the policy..

SO WHY SHOULD WE BE CONCERNED BEWARE

These large Organizations approach an insurance company promise the Insurer high volume of sales and negotiate a lower price policy and then negotiate it even lower by removing or reducing the cover. They create exclusions exceptions price caps and all the nasties we do not want to find in an insurance policy. Having reduced the cover substantially they then proceed to sell often never mentioning that its not the same product .

These type of  policies are called modality insurances. In these insurances physiotherapy maybe reduced to 30 sessions a year, heaven help you if you need rehabiltation after a serious accident requiring 120 physios in a year, Donor Tissues & Organs maybe excluded yet the policy mentions Surgery for organ transplant is included. You proceed thinking this clause includes the donor tissue or organ.

With the DKV Medical Insurance we sell there is NO COST LIMIT on treatment. You are treated until rehabilitated. The Sabadell bank DKV policy caps expenditure at 237.000,00 euros a very big difference to taking the DKV policy through our agency for unlimited cover.

If you are offered a cheaper cost for the same insurer it is almost definately a modality insurance lacking in cover as the Insurance Companies will not permit their fully comprehensive policy to be undersold for any reason

There are many people who have made the assumption that because its the same Insurance Company that they are getting like for like for 30 euros a year cheaper. Buyer beware........

Why not call Tailor Made Healthcare Solutions and chat with us regarding medical policies in general   www.tailormadehealthcarespain.org 

Free Healthcare for all in Spain

Since the Decree was issued we have spoken to 100's of customers who have tried and failed
Within the last 6 months we have spoken to many people who have tried to obtain the Free Spanish Healthcare and been turned away. Some have tried several times and others have employed lawyers or Spanish gestors to assist in the process. 

This week we sold a medical insurance policy to a customer in Almeria a registered resident of Spain who was convinced that in Almeria there would not be an issue. However, he tells us that he made three attempts spending several days going from office to office to no avail. Finally he went to a Spanish law firm and asked them to assist. They wrote letters, attended meetings, yet 1200€ in fees later, the lawyer informed him that he would not be entitled in the near future. The explanation was that the Provincial Health Authority  whilst knowing that the Decree was in place insisted that there was a higher law relating to Spain’s Social Security requirements and regulations which meant that they were only obliged to offer Free Healthcare to Pensioners, Disabled, Homeless, Destitute and illegal immigrants with no home.

This client aged 53 finally took out Private Medical Insurance for 43,99€ per month

Another client tells us that  having received approval at their local village medical centre, they then had cause to go to a Spanish State hospital on an Emergency resulting in a 10 day stay. At the end of that stay he was given a payment demand for 8.500,00€. The hospital informed him that the medical centre had been incorrect in accepting his application as he had no S1 (S1 reciprocal medical care arrangement between governments) and was not paying social security in Spain.
Each week we speak to people who share the same experiences of being refused, yet on Social Media when Private Healthcare is mentioned a string of posts appear telling people not to pay for healthcare because it is free. The majority who make these claims  are pensioners on the S1 who are entitled to reciprocal medical care and are simply repeating what they have read without experiencing the reality. Slowly for most, the realization is dawning that the promised free healthcare is not going to be available to all any time soon and people must not take a chance with their health.

On Facebook in recent weeks I have challenged 2 people claiming they have the free Spanish State Healthcare yet when challenged it turns out they have been living in Spain dependent on the EHIC card for medical attention. Both admitted they were never aware that the EHIC is only for emergency temporary medical assistance ending 90 days after you arrive in Spain. Interestingly both ladies believed their husbands, who insisted to each of them that they did not need medical insurance as they were fully covered with a European Health Card. These days if you attend a Hospital and need costly medical attention the Health Authority will require evidence of your arrival date and if you are getting treatment beyond the 90 days of arriving, they now raise an invoice.

A friend of mine on a 3 month caravan trip to Alicante collapsed 2 years ago and went to the State Hospital with his EHIC card. He was in a coma for 10 days and they found a tumour on his brain. At the time he was admitted, he had been in Spain for 60 days. The care he received was wonderful but when he reached his 90 days in Spain he was advised ongoing care would be at his cost. He stayed another 10 days until he was well enough for a car journey home. The 10 days cost 5.600,00€ Unfortunately my friend passed away 6 months later. This is a good example of how the EHIC works for genuine holiday makers and will not work for long term dwellers in Spain

In Spain you can arrange some very low cost health insurance by volunteering to pay a small excess each time you visit a Doctor or Specialist so forexample a 60 year old can have a very comprehensive policy for as little as 48€ per month

Francis Payne

Tailor Made Healthcare Solutions Spain

The English Agency for Spanish Medical Insurance

www.tailormadehealthcarespain.org

HEALTH INSURANCE SPAIN

#Spain  #Healthcare  #Privatemedical
#privatehealth #Sanitas

Living in Spain
Moving to Spain

Private Health Insurance
Dont transfer your #BUPA medical policy to Spain unless you have to do so due to ongoing
pre-existing conditions

If you have no pre-existing conditions then medical insurance in Spain can be half the cost of BUPA or AXA PPP  find out more

Tailor Made Healthcare Solutions Spain
The English agents in Spain we are experts for Spanish Private Healthcare Insurance


https://www.tailormadehealthcarespain.org/about-our-medical-policies

Are you really Bullet Proof ? Don't play Spanish Roulette with your Health

Are you really bullet proof ?

Time and time again we speak to prospective clients seeking medical insurance for the simple reason that out of the blue they have had to shell out a lump of cash for an injury or illness.

This month we have spoken to a couple in their mid 60s, the wife was walking along texting in a Marbella cobbled alley when she tripped and suffered a fractured skull. The medical treatment was fast and efficient and the Hospital accepted the EHIC card. 

She was admitted into Hospital and spent 3 weeks on the ward.  Now 6 months on they tell me that after 90 days the EHIC treatment ended and she continues paying for physio twice a week and requiring ongoing Checks tests and neurology treatment. Cost to them has been 5.800,00€

Last month a Lady called because she had been in a car accident and it had cost her retired father 6.000,00€ for surgery a metal plate and steel pins.

Another enquiry from a man in his late 50s been diagnosed with prostrate cancer been through the treatment cost 9.000,00€ for Spanish Hospital.

All of these people are concerned about the future and want to put in place medical insurance.

However the first two examples can arrange a medical insurance policy but both will have exclusions. For the head trauma there will be no cover if anything arises deemed by a Medic to be connected to the injury ie brain clot, nausea dizziness

The Car accident case will not be insured for complications from the metal plate or the pinned bones.

The gentleman just recovered with Prostrate Cancer will be refused insurance completely and might be able to try for Medical Insurance again in 5 years if the all clear given.

There are many people walking around Spain with no access to State Health believing they are ok on their EHIC card a card that is valid for 90 days abroad and is designed for Emergency treatment when travelling in another EU country that you do not reside in.

Every month we provide quotations to people who have no Health Access and have been here for years without worrying about it. We understand that budget plays a big part in not going the Private Health Insurance route. However if you cannot insure yourself maybe look at getting the Children Insured as this is very low cost in Spain. If you don't insure yourself ,well maybe you can consider at least insuring your frailer partner.

Time ticks by and with age complications arise. A friend of mine recently told me he cannot afford private medical insurance and within 2 weeks went off an upgraded his 2 year old  sports car. Its all about priorities and surely your health should come first.

Article by

Francis Payne 

Tailor Made Healthcare Solutions Spain

enquiries@tailormadehealthcarespain.org

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

I am British and I need Private Medical Insurance for Residency in Spain

OUR BREXIT UNCERTAINTY & DECISIONS IN SPAIN

With the uncertainty of Brexit looming it is only natural that British citizens living in Spain are deciding to get their Spanish affairs in order. After all when D day arrives it is surely sensible to be an approved resident.
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 .

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 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.

1. Application refused because you cannot produce proof of payment
2. Application refused because your policy shows too many pre-existing conditions
3. Application refused because you have a Copago shown
4. Application refused because you have produced a policy that expires in a month
5. 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 some solutions

1. 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
2. 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 
3. 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
4. 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 .
5. 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.

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

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
www.tailormadehealthcarespain.org
tel. 0034 956 777 905

Which Medical Insurance do I need to apply for Residency in Spain ????

Which Medical Insurance do I need when applying for Residency in Spain

For QUICK QUOTE click here to go to our Tailor Made Healthcare Website

As an agent for Private Healthcare Insurance its a question we get asked daily. However the answer is not an easy one to provide due to the differing requirements in different towns and provinces across Spain. Every day we provide Private Medical Insurance Quotations to Expats who are looking to apply for Residency who hope to ensure that they are more secure in Spain by the time Brexit has happened.

In Spain there are various levels of Medical Insurance policy options. Often the cover is the same cover with 4 or even 6 options that enable you to take up Healthcare Insurance with lower premiums. These options are referred to as Copago. This means that you take out an insurance and go for medical treatment but part pay for the treatment. The higher the part payment the cheaper your policy becomes.

People who rarely use the Doctor may feel that they will save money by paying a high copago and if you are rarely going then premiums can be reduced by upto 60% in this way. The majority of British Expats we deal with are in early retirement and coming to an age where preventative screening is important and therefore knowing that they will use the Private Healthcare system take out a policy with a NO COPAGO option. Essentially they walk into the approved Medical Centre hand over their card with no payments to make.

So lets get back to finding a Health Insurance Policy that will get you approved for residency. The simplest answer we can give is to tell people that a policy with NO copago payments is the definite solution. However we are aware that people retiring have budgets and will need to save costs where possible. So what we have been doing is recording information from people who apply for Spanish residency using a Copago insurance and noting which areas and what levels of Copago get refused or approved. Based on this we have been able to suggest a route toward getting residency with a Copago Policy. We know that the highest Copago insurance often get refused as the Authorities feel that the contribution is simply too high. Our approach recently where budget is important factor for a client is to arrange a mid range Copago Healthcare Insurance application. We advise the client that they apply for the residency on this basis and then in the event they are refused that they recontact us and we upgrade the policy to the higher level. There is a policy where the copago part payments are extremely small between 2,50 and 3,75 that can save between 10 and 18 euros a month when compared to the Policy with zero copago.

Many of our clients have informed us that they were approved with a Copago Policy . Its frustrating for us not to be able to get a clear cut answer from the Authorities but it does seem that it also depends on how carefully they scrutinize the policy document. We have had several clients who have been told that the amount of Copago would not qualify them and it had to be a policy with no part payment and these clients have returned at a later date with a different officer attending them only to be passed using the same insurance policy.

So our suggestion is to take out a policy you feel you can afford as if refused you are always able to upgrade the insurance and obtain a second appointment and re-apply for your residencia in Spain.

Francis Payne (Mr)

Tailor Made Healthcare Solutions Spain, Bloque E, Portal 3, Puerto Sotogrande, Cadiz 11310, Spain. tel. 0034 956 790 320

WEB SITE LINK www.tailormadehealthcarespain.org Go to our web page click on QUICK QUOTE

Earn extra income in Spain - No work necessary - A simple web page referral from your website offering Private Healthcare in Spain

Earn commission promoting Private Healthcare Medical Insurance in Spain

Earn commission with a simple link on your web page. Tailor Made Healthcare Solutions Spain provide you with your unique link offering your clients a quotation for private Healthcare Insurance. You will not be required to lift a finger and your web page clients will be invited to complete a Quick Quote form specifically tagged to your account.

At no time will Tailor Made Healthcare Solutions request any payment or funds from your client. Our medical insurance is arranged directly with one of Spain's top 4 insurers and the insurer will only take a payment once a policy goes live. Your clients on entering the 'Private Healthcare' tab on your web page will be offered the following process.

1. Your Clients or web surfers on your page Click on your unique Healthcare Spain QUOTE form.

2. On Completion of the online form you receive an automated notification copy.

3. Tailor Made Healthcare Solutions provide the client with a quote & confirm to you QUOTE SENT.

4. You are notified by email when the client accepts the quotation and request a proposal form.

5. Once a proposal is accepted by the insurer a policy is dispatched, you are notified.

6. Client on receipt of policy signs docs returns them in prepaid envelope to insurer who on receipt draws first direct debit.

7. Tailor Made Healthcare Solutions notifies you client has gone live and sets up Commission payment to you

There are potentially hundreds of people living in or moving to Spain that visit your website. You will agree that many are browsers who decide not to pursue your product or service. We are hoping that our Private Healthcare link will be seen and used by your clients and by these browsers whose eyes may also be drawn to OUR / YOUR 'Private Healthcare Spain' page or button. That person by pushing the link sets off an automated process to earn you extra income.

We are offering you a simple process and will pay you 20% of the commission. We are targetting expats in Spain or moving to Spain. So if your website has access to this target market then we would love to hear from you.

Tailor Made Healthcare Solutions will also provide you with a personal letter of recommendation from one of Spains leading Medical Insurers confirming that Tailor Made are a bona fide Healthcare Insurance provider.We are an agency keen to build good relations with people we work with. You may have your own existing clients, friends or family that would be interested in a healthcare quote. If this is the case you can email us directly or test the system and get them to complete the process we have set out above. Either way we are keen for new expat business and the majority of our existing clients enjoy the fact that we are English Agents providing Spanish medical insurance.

If you would like to learn more then we would be happy to discuss in more detail and look forward to creating a good working relationship. Keep in mind we do all the work and will supply you with the web page information and links which should only take your iT people a few minutes to arrange.

For more information please contact Francis Payne(Mr) tel. 956 790 320 or email enquiries@tailormadehealthcarespain.org www.tailormadehealthcarespain.org Address. BloqueE, Portal 3 Suite 113, Puerto Sotogrande Cadiz 11310

Tel. (0034) 956 790 320

Funeral & Repatriation cover. Family protection insurance for expats in Spain

Family Protection Insurance

Lay me to rest in my place of birth

If you die in Spain how will my family cope is Repatriation the best solution

If you die in Spain consider the logistics for your loved. When a person dies in Spain the burial cremation is normally required within several days of death. This insurance makes great sense for the expat living in Spain particularly where relatives do not speak Spanish. Just like a wedding planner this Insurance Company provide a service where they plan and arrange your funeral whether you want it thousands of miles away in Spain or in the country where your family live. Under this cover the Insurers experts listen to the arrangements required by the loved ones then completely organize everything from undertakers to crematorium or burial and even the travel arrangements for repatriation to include travel for the remaining spouse. The insurer will also provide legal advice to the family with regard to your estate tax and registering death etc. This cover is a lot cheaper than most people imagine and can be paid monthly or in one lump sum. This policy costs the same whether you funeral is in Spain or with repatriation to the homeland.

Click this link for quick quote Funeral Expenses Quote here

We will take care of you and yours when you need it most.

A family funeral service

Repatriation for foreign residents, at no additional cost. Cremation or burial in country you choose. Transfer to any national cemetery. Additional allowance for exceptional burial expenses. All covers from the first day.

Specialists in taking care of yours

Personal accompaniment in the actions derived from the death. Face-to-face bereavement service. Legal and legal counseling service. Medical expenses abroad of up to 15.000EUR.

Included services

Free online testament. Access to DKV Health and Wellness Club with all the advantages and discounts in medical services. Nutritional counseling service.

Additional Pack Plus

Coverage of pet deaths. Family legal protection. Home assistance in case of immobilization by medical prescription.

For more information and a quotation please click on this QUICK QUOTE FORM

A summary of cover will be sent to you accompanying the no obligation quotation. Payments can be made monthly or in one lump sum payment and cover becomes instant once proposal has been accepted and payment made. At no time will Tailor Made Health solutions ask for a payment. All finances are paid direct to the Insurer once cover approval has been obtained.

Tailor Made Health Solutions Spain.

Tel.0034 956 790 320

www.tailormadehealthcarespain.org

Click this Link for QUICK QUOTE

We can offer you the complete Home Doctor GP service 24/7 home visits 365 days of the year

If you live on the Costa del Sol between Torremolinos and Sotogrande then you can join a mobile Doctor service.

Its the complete GP service including unlimited home treatment.The service operates a fleet of mobile intensive care units,specialist doctors and modern equipped ambulances, who are on call and treat you at home.

If you live on the Costa del Sol and need a Doctor then this is an affordable service. Its so convenient particularly when you have toddlers who are ill in bed. One quick call and a Doctor is dispatched to your home. The cost is affordable, an Individual pays a one off fee annual price 298,00 euros, a couple 470 euros per annum or family of 4 at a cost of 537,00 euros per annum. You can call 24/7 365 days a year whether its a child with fever in the early hours of the morning or a a broken leg on a football pitch on a Sunday afternoon.Living on the Costa del Sol with all the sunshine means you will spend a lot of time out and about so whether you have an accident playing sport or hiking up the local mountain the family can do so knowing that a Docor ambulance or if required a helicopter will attend you on location.

This is best described as a first instance service and does not replace private medical insurance. The majority of our clients who have this service do so because they want the convenience of a home Doctor or a Doctor who will visit you at the work place or even if you fall ill or have an accident outside of the home within the catchment area.

Clients who have this service also take private medical insurance in order to have ongoing Doctor treatment and hospital treatment.

For more information contact Tailor Made Healthcare solutions Spain (0034) 956 790 320 or complete our short form on this link click for form

In our opinion probably the best private medical insurance in Spain. Can you afford to miss out?

Tailor Made Health Solutions Partners with DKV probably in our opinion the top healthcare insurers in Spain, with a network of medical centres across Spain giving you choice and peace of mind for you and your family

Here are few reasons why we work with DKV

1. DKV work with the best

Medical directory with over 20,000 highly prestigious professionals. More than 1,000 healthcare centres, including Teknon, Quirón, La Luz and Ruber.

2. We're committed

We will not cancel any policy due to a high level of claims after three yearly payments. We do not reduce coverage when you reach 65. We don't raise the price of premiums based on the number of claims in individual insurance, or group insurance. We reimburse your expenses in less than 7 days.

3. Our coverage sets us apart

Dental service included, at no additional cost. Rehabilitation and physiotherapy with no limit on sessions. Take out insurance up to the age of 75, in an individual policy. Medical care in work-related and road traffic accidents. Reimbursement of expenses for medical care abroad in the event of serious illness. Daily benefit for hospitalisation from the third day of admission when this is not covered by DKV, and at no additional cost. Extensive coverage worldwide for emergencies when travelling.

4. We are constantly innovating

Free choice of gynaecologist and paediatrician for Integral Individual (optional module). Reimbursement of pharmacy expenses for Mundisalud. Insurance coverage for assisted reproduction for Mundisalud Classic and Élite (individual category). Prostheses without limits on expenditure within the DKV network (except cardiovascular) Insurance coverage for AIDS patients. Extension of radiotherapy coverage.

5. We facilitate procedures and access via new technologies

Online authorisations. Self-settlement of invoices. Request for card duplicates or provisional cards. Management of personal data. Management of travel assistance certificate. Medical directory app on the mobile phone. Take out insurance online.

6. We offer health promotion and disease prevention solutions

My Healthy Living Plan, with specific online preventive programmes to encourage prevention and healthy living habits. 24-hour medical advice telephone lines: helplines for paediatric health, mental health, women's health, diet information, sports, etc. Preventive medical checkups. Access to health services at lower prices than the market average, such as acupuncture, dietetics, biomechanical walking study, assisted reproduction, etc. etc. in dkvclubdesalud.com

7. There is a DKV Healthcare Centre near you

Medical centres and dental clinics with the best guarantee for treatments and quality. The first chain of clinics with dual certification: ISO 9001 and UNE 179001, that certify that they provide a service with guarantees of safety in relation to healthcare. More information at dkvseguros.com/espacios-de-salud

8. We innovate in Corporate Social Responsibility programmes

DKV is the first company in the sector to acquire the SGE 21 Certificate for Ethical and Socially Responsible Management, which we have been renewing on a yearly basis since 2007. Clear Language Certificate: we audit the communications of this programme, an initiative designed to help users obtain a better understanding of the language and terminology of the sector. We have renewed our EFQM 500+ certificate with more than 600 points: a prestigious European certificate of excellence that reflects our commitment to quality.

9. One of the best places to work in Spain

For eight consecutive years, we have been ranked among the 10 most highly rated companies in the list of the 50 Best Places to work (organisations of between 500 and 1,000 employees). Certified as a Family-Responsible Company (F-RC) thanks to our commitment to achieving a work-life balance for our employees.

10. Pioneers in creating social and environmental value

DKV Integralia Foundation promoting integration into the labour market for people with disabilities or degenerative illnesses. 'CeroCO2 Company' Stamp (a zero emissions certification): all the company's emissions have been offset since 2007. Currently, more than 60% of our energy comes from renewable energy sources. We also hold the ISO 14001 certification and we apply the EMAS environmental management instrument, thus accrediting our development and implementation of environmental policies.

Low cost medical healthcare Quotes for Expats in Spain - Complete attached No Obligation form for 24hr response

Getting the right Healthcare for your family in Spain ?

We are the English Agency offering Spanish Private Medical Insurance.

'Tailor Made Health Care Solutions' provide private healthcare for expats moving to Spain and will provide documents in English.

GET QUICK QUOTE CLICK HERE TO GO DIRECTLY TO ONLINE QUICK QUOTE

Are you thinking of moving to Spain or already here and considering Private Health insurance? Then we can provide you with a quotation. Whilst budget is important and we will provide a competitive premium, it is also important to consider locations of any approved medical services for your area. After all, there is no point taking out health insurance only to find the nearest approved medical centre in your scheme is an hour's drive away. Much better to have a company that can offer medical assistance on your door step as well as numerous medical centres and hospitals close by.

A positive feature of our medical health service is reflected in our group scheme where monthly premium quotes can be further discounted by us providing the Insurer with 6 quote acceptances at one time. It is quite common that we suddenly ask you to bring forward your decision or slightly delay joining so we can obtain an additional member to reduce the premium yet again in a given month. Our Health Cover is extremely flexible and if you feel you do not need the complete package then units of cover can be reduced accordingly. We also offer a policy which can cover you for 2 Countries or, for those that travel a lot, consider the world wide medical insurance option.

For quotation complete the short online form via this link. We will contact you normally within 24 hours.

CLICK HERE QUICK QUOTE LINK

Tailor Made Health are introducers for mainstream medical insurers. At no point will our representatives ask for a payment. We are simply here to introduce you to our recommended insurers, arrange a quotation and answer any questions you may have about cover. All financial arrangements are directly with the Insurance Company once a quotation has been agreed and proposal form accepted by the Insurer.

If you have questions you can please contact us direct dkvagent@gmail.com or visit our Facebook page by clicking the following link

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www.tailormadehealthcarespain.org Tailor Made Office located

Puerto Deportivo Sotogrande

Bloque E Portal 3, Suite 113 Sotogrande, San Roque, Cadiz 11310...........Tel. 0034 956 790 320