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Other Numbers

From the UK: 0845 652 4239 (local rate)

From Ireland: 01 246 7677 (local rate)

All other countries: +34 914 142 334 (international rate)

Email: ibexdirect@ibexinsure.com

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Blog

    3 things to avoid if you require private health insurance for residencia in Spain

    Hanushka Karnani - Friday, October 09, 2020
    It’s perfectly understandable if you’re feeling more than a little stressed at the moment – not least due to events in the wider world like the ongoing coronavirus pandemic, but also any need you might have to obtain health insurance for securing residency in Spain. 


    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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