Why buy private health insurance?

Private healthcare insurance is designed to make you feel secure when you need medical treatment. It makes sure that when you need treatment covered by the health insurance plan you’ll be cared for comfortably, quickly and given a greater choice about where and when you receive treatment. It also offers you flexibility around appointment times and a choice of specialists, consultants and surgeons. If you are in hospital you may prefer to have a private en-suite room, access to tv and telephone and more flexible visiting times.

State health service budgets are under strain and waiting times for treatment can be long and may get longer. Private health insurance gives you a wide choice of quality hospitals and other medical facilities to choose from enabling you to receive prompt treatment at a convenient time and location.

However, we know that the world of private medical insurance can be baffling. With so many different policies to choose from how can you decide which is the right one for you and your family? That is why Ibex insurance does not work with just one medical insurer, we work with a variety of insurers and each provider has a range of plans. We have chosen the best the market has to offer aimed specifically at people who live away from their home country for all or part of the year.

These companies include AXA Global, ALC Healthcare, BUPA, IMG Europe, Aetna and Cigna.

So which one to choose?

Let us do the work for you. We can assess your needs and present you with a comparison between policies which we feel are relevant to those needs. So you can rest assured that we have a plan to cover you and your loved ones at a price you can afford.

Health Insurance Plans for Spanish Residency

We are also experts in finding medical plans for residency in Spain. Given that most people relocating to Spain will need some form of medical insurance in order to live here, we receive a lot of enquiries from individuals who require it as a condition for residency or a TIE.

There are various boxes that a health insurance plan must tick if it is to be satisfactory for a residency application and it needs to cover hospitalisations and any kind of medical transportation. Furthermore, it has to be valid for the entirety of the Spanish territory, covering any type of disease or illness.

Allow us to help you navigate this new territory and find the right health insurance for Spanish residencia for you.

HEALTH INSURANCE COMPARISON CHART

    •  
    • Level of Cover
    • Area of Cover
    • Currency
    • Overall annual limit
    • Hospital Charges
    • In-patient (hospital cover)
    • Out-patient cover
    • Serious illness
    • Dental
    • Evacuation & Repatriation
    • Pregnancy
    • Waiting period after...
    • Excess/deductible
    • Morgan Price
      • Standard Plus
      • Comprehensive
      • Europe
      • Europe
      • €,£,$
      • €,£,$
      • £750,000
      • £1,000,000
      • Included in above
      • Included in above
      • £2,500
      • £5,000
      • Emergency only
      • Emergency and up to £750 non emergency/routine
      • Complications only up to £2,500
      • Complications only up to £10,000
      • None - in exception to wellness screening and certain benefits
      • None - in exception to wellness screening and certain benefits
    • £100/£250/£500/£1,000/£2,500/ £5,000/£7,500/£10,000
    • AXA Global
      • Foundation
      • Standard
      • Comprehensive
    • World Excluiding USA
      • €,£,$
      • €,£,$
      • €,£,$
      • £100,000 / €125,000 / $160,000
      • £1,000,000 / €1,275,000 / $1,600,000
      • £1,500,000 / €1,900,000 / $2,400,000
      • Included in the above
      • Included in the above
      • Included in the above
      • £2,500 / €3,200 / $4,000
      • £1,000 / €1,275 / $1,600
      • £3,500 / €4,460 / $5,600
      • Optional
      • None - in exception to wellness screening and certain benefits
      • None - in exception to wellness screening and certain benefits
      • None - in exception to wellness screening and certain benefits
    • £0/£100/£250/£500/£1,000/£2,000
    • Cigna
      • Silver
      • Gold
      • Worldwide excluding USA
      • Worldwide excluding USA
      • €,£,$
      • €,£,$
      • £650,000 / €800,000 / $1,000,000
      • £1,300,000 / €1,600,000 / $2,000,000
      • Included in above
      • Included in above
      • £9,650 / €12,000 / $15,000
      • £23,275 / €25,900 / $35,000
      • Optional
      • Optional
      • up to £4,500 / €5,500 / $7,000
      • None - in exception to wellness screening and certain benefits
      • None - in exception to wellness screening and certain benefits
    • £0/£100/£250/£500/£1,000/£2,000/ £5,000/£6,650
    • ALC Healthcare
      • Prima Classic
      • Prima Premier
    • Europe
      • €,£,$
      • €,£,$
      • £1,250,000 / €1,500,000 / $1,875,000
      • £2,500,000 / €3,000,000 / $3,750,000
      • Included in above
      • Included in above
      • £10,000 / €12,000 / $15,000
      • Included in overall annual limit
      • Optional
      • Optional
      • Optional
      • Optional
      • None - in exception to wellness screening and certain benefits
      • None - in exception to wellness screening and certain benefits
    • £0/£50/£150/£300/£500/£1,000/ £2,500/£5,000/£7,500
    • Aetna
      • Pioneer 2500
      • Pioneer 4000
      • Pioneer 5000
    • World Excluiding USA
      • €,£,$
      • €,£,$
      • €,£,$
      • £1,575,000 / €2,000,000 / $2,500,000
      • £2,500,000 / €3,200,000 / $4,000,000
      • £3,125,000 / €4,000,000 / $5,000,000
      • Included in the above
      • Included in the above
      • Included in the above
      • £3,000 / €4,000 / $5,000
      • £10,000 / €12,000 / $15,000
      • Included in overall annual limit
      • Emergency Only
      • Optional
      • Optional
      • Optional
      • Optional
      • Optional
      • None - in exception to wellness screening and certain benefits
      • None - in exception to wellness screening and certain benefits
      • None - in exception to wellness screening and certain benefits
    • No Annual Excess

Key points of the providers we work with

Who is it for?

ALC Health Insurance is for individuals, families and groups from across the world reflecting the lifestyle of today's expatriate and global citizen. 

At a glance

  • Established in 2001.
  • Head office is in the UK with European offices in Marbella (Spain) and Gibraltar.
  • Three different products on offer.

Key Points

  • Three areas of cover:  Europe, Worldwide excluding USA and Worldwide.
  • Choice of currencies:  sterling, euro & US dollar.       
  • Excess options available. 
  • Evacuation and Repatriation can be added to all plans.
  • Pregnancy and Dental can be added to all plans.
  • Split payments by monthly or quarterly.

Who is it for?

Cigna Insurance is for individuals wanting more than the standard plans to fit into their lives with ease with the help of an APP available for your wellbeing to access your documents, manage health and converse with medical practitioners and specialists.

At a glance

  • Established in 1982.
  • Head office is in America, with offices located Worldwide in Europe and the UK.
  • Personal and Corporate policies available to suit all needs.

Key Points

  • Free App available via Google Play or the Apple Store.
  • Different levels of excess options to reduce the premium.
  • Chioce of currencies: Sterling, Euro and US Dollar.
  • Vision and Dental can be added to all plans.
  • High limits on out-patient cover on all plans to suit your needs best.
  • Split your payments by monthly or quarterly.

Who is it for?

This cover is designed for people during their working life who need cover in Europe or Worldwide and the retired who wish to have a choice of hospitals and doctors in Europe as well as their own country.

At a glance

  • AXA Global Healthcare was established in 1940 and has grown to become one of the largest health insurers in the UK.
  • AXA Global International formed in 2009 reflecting their significant growth overseas.
  • 5 levels of products available to suit your needs best.

Key Points

  • Two areas of cover: Worldwide and Worldwide Excluding USA
  • Choice of currencies:  sterling, euro and US dollar
  • Choice of voluntary excess on all plans.
  • Repatriation and Evacuation included on all plans.
  • Personal and Corporate policies available to suit all customer needs.
  • Maternity & Dental add-ons available.

 

Who is it for?

Aetna International is one of the industry's largest and most prominent international health insurance provider by delivering comprehensive health benefits worldwide which have helped develop world-class health systems for governments, corporations and providers around the world. 

At a glance

  • Established in 1853.
  • Based in America with offices located in England, Spain, Asia Pacific and Middle East.
  • Five different products on offer. 

Key Points

  • Has 7 different areas of cover for you to choose from.
  • 2 different levels of Maternity cover offered as add-ons.
  • Repatriation and Evacuation included in all plans.
  • Winner of Best Individual International Healthcare Provider at the UK Health & Protection Awards in 2021.

Who is it for?

Morgan Price Health Insurance - Evolution Health is for all types of expatriates whether individuals, families, groups or even large corporations. Offering a wide variety and range of products to suit all individual needs and requirements.

At a glance

  • Established in 1999.
  • Head office is in the UK with Worldwide offices in Dubai and Hong Kong.
  • Underwritten by ARIA INSURANCE.

Key Points

  • Standard - In-patient only plan except for cancer when out-patient is included. Good coverer for hospital admissions. 
  • Standard Plus - Competitively priced plan offering good levels of cover for in-patient with limited out-patient coverage.  
  • Comprehensive - Excellent mid-range plan offering good levels of cover for both in and out-patients, including dental.
  • Premium - Superior plan offering maternity, dental, optical and hearing test plus in-patient and enhanced out-patient coverage.  
  • Elite - Top of the range plan offering greater levels of cover many on full refund including enhanced maternity cover.

Who is it for?

Now Health is a specialist international health insurance provider for individuals and families living abroad.

At a glance

  • Relatively new health insurer.
  • Four different products to choose from: Essential, Advance, Excel and Apex
  • Two different areas of cover: Worldwide and Worldwide excluding USA
  • Underwritten By AXA PPP

Key Points

  • All plans have a high annual overall limit
  • Essential Plan – lowest cost plan covering hospital and day-patient care.
  • Advance Plan – Cover for hospital and out-patient care including GP and specialist consultation, physiotherapy and alternative therapies.
  • Excel Plan Similar to Advance but at higher benefit levels than Advance, including routine and complex dental after a 9 month waiting period.
  • WorldCare Apex top of the range plan with very high benefit limits and including maternity after a 10 month waiting period.

Online plan management for fast processing of claims.

Who is it for?

Worldwide Health option plan is a flexible health insurance for groups or individuals and families which enables them to create a bespoke plan by adding extra options to the core cover.

At a glance

  • BUPA International (now called BUPA Global) is well established in and its name and has dominated the worldwide health insurance market over the years.
  • Their Worldwide Core plan is a modular plan that allows you to mix and match optional covers to suit your needs.
    Area of cover is worldwide including or excluding the USA.

Key Points

Worldwide Medical Insurance – hospital cover with a high annual limit and includes all surgery, cancer treatment and advanced imaging. It includes hospital charges for maternity.

Choice of excess levels.

Then you can add-on:

  • Worldwide Medical Plus – outpatient doctor and specialist consultations including complementary therapies.
  • Worldwide Medicines and Equipment – prescription medicines and rental of medical appliances.
  • Worldwide Wellbeing – health screenings, vaccinations, dental and optical treatment
  • Worldwide Evacuation and Repatriation

Pre-existing conditions will be considered for outside of USA.
Choice of currencies: sterling, euro and US dollar.

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