For expatriates around the globe, this is a time when barriers are going up between nations in an attempt to limit COVID-19’s spread. But the good news is that it should be absolutely possible for you to find a decent private medical insurance policy for the right price.
There are, however, definitely some potential pitfalls. So with no further ado, here are some things we would urge you not to do if you are to secure that ideally suited private health insurance for residencia in Spain.
Approaching individual lenders rather than brokers
It’s something we’ve probably all done in the past; in need of insurance cover for something like our home, car or health, we simply turn to the insurer we might have used previously. They seemed to be a decent and trustworthy company last time, so what’s the harm?
Well, technically you could just approach that insurer you already know about… but it’s also the case that private health insurance for residencia in Spain is subject to various requirements. And not all forms of private health cover in Spain actually meet those requirements.
Furthermore, if you only approach lenders one after the other, finding a suitable health insurance product for Spanish residency could be a frustrating and time-consuming process indeed.
By contrast, brokers like Ibex Insurance Services have relationships with a wide range of insurers. This enables them to compare, assess and present potential insurance products for you from many different sources, in accordance with your practical and budgetary needs alike.
Focusing purely on meeting the residency requirement
Yes, you’re anxious to get your Spanish health insurance sorted, and to make a successful residency application for your future life in this wonderfully sun-drenched and culturally rewarding part of the world. But that doesn’t mean you should be concentrating solely on what will enable you to obtain that TIE card, at the expense of everything else.
After all, at some point during your time in Spain, you might well need to make a claim on your health insurance, so you’ll want to be sure that it genuinely meets your health needs from the outset. Our team here at Ibex can help you to be certain of exactly that when you take out private health insurance for residencia in Spain.
Glossing over the small print
True, this isn’t a potential issue solely for those looking to purchase a Spanish health insurance plan. Before committing to any kind of insurance or other major contract, it’s crucial to ensure you know exactly what you are getting, and precisely what you aren’t getting.
A certain complexity might be added to this if you are an expatriate seeking insurance, if there are also language barriers that may make it difficult for you to understand what you are signing up for. Fortunately, all of the documentation for insurance obtained through Ibex is in plain English, as is the customer service and claims process, which will minimize the risk of misunderstandings.
And if there’s still anything you’re unsure about, you’re welcome to ask us about it. It couldn’t be easier to get in touch with your local Ibex office in a socially distanced way during the COVID-19 crisis, so you won’t even necessarily need to turn up to see us in person.
There you go – just three things not to do if you are to secure the most suitable private health insurance for residencia in Spain. Request a quote from us online now, and you could be benefitting from superb medical cover and peace of mind about your residency status in the country, so much sooner than you might expect.
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