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

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