[pammi2013]

I've just read a post on a private FB group (so I can't share the actual post).

The couple declared the wife's breast cancer of two years prior to the visa application, but now think that the broker didn't tell the health insurer, because the company has refused to renew hers, but not his at the end of the first year, due to her cancer. They have in fact refused to insure her at all.

So she is currently without any kind of health insurance, so the visa renewal won't happen.


Depending on where she lives, she should be able to the convenio especial, & if so, that hopefully will happen quickly enough for the visa renewal - or maybe there will be some other company that will insure her.

If not...she'll have to return to the UK.

Thanks but I keep saying I am not hiding my conditions, I have told all the insurance companies

 

[xabiaxica]

Thanks but I keep saying I am not hiding my conditions, I have told all the insurance companies

Nobody has implied that you personally are.


Not everyone is as honest, including some insurers & brokers - or so it seems.

 

[dancingspider]

A policy with exclusions simply doesn't meet visa requirements.

That doesn't mean such a policy wouldn't suit other people who are already resident - or Spanish nationals - who choose to have private health insurance.

The same companies would probably sell you a policy with no exclusions - but that will of course cost far more.

The policy I have does have a couple of relatively minor exclusions, which is for issues that are unlikely to require further intervention in the future. I now go through the Spanish national health service for one of these, so no issue for me anyway. But the point is for serious conditions like cardiac or cancer, if these are preexisting conditions, they must cost an arm and a leg to get private health insurance for, that is if you can even get it! Many hopeful visa applicants simply mustn't get beyond the on the non exclusion medical insurance hurdle, I am thinking.

 

[Lynn R]

The policy I have does have a couple of relatively minor exclusions, which is for issues that are unlikely to require further intervention in the future. I now go through the Spanish national health service for one of these, so no issue for me anyway. But the point is for serious conditions like cardiac or cancer, if these are preexisting conditions, they must cost an arm and a leg to get private health insurance for, that is if you can even get it! Many hopeful visa applicants simply mustn't get beyond the on the non exclusion medical insurance hurdle, I am thinking.

If my experience of trying to get travel insurance with a heart condition is anything to go by (have tried 3 different companies without success) they don't even offer to cover me for a much higher , but just clearly say that anything connected with the condition would be excluded from the policy (and as one company took the trouble to explain, that doesn't just mean they wouldn't pay for any medical treatment I might need for the condition whilst travelling, but also cancellation costs related to it, additional accommodation and subsistence costs for the person travelling with me, and so on). In fact one company just flatly said they would not provide cover for me, whilst the others said I could have a policy but with the heart condition excluded. I've also had surgery for cancer but didn't even get as far as telling them about that. They seem to assume that the medication I'm on means I must have high blood pressure, which I don't and never have had. A policy which excludes cover for the kind of event I would be at greatest risk of during a holiday seems worthless to me, so I don't travel outside Europe where I can at least use my EHIC card.

 

[John Dunlop]

Hello. A year ago I was diagnosed with low level grade 1 prostate cancer and had month long radiotherapy sessions. My PSA blood results have gone down to low levels. I was hoping to apply for the NLV in two years time but understand any healthcare policy cannot have exclusions. By then it would be 3 years from diagnosis and Dr reckons I’ll be cancer free by then. Does anyone have experience of the NLV application and healthcare policies with a previous cancer diagnosis? Thank you.

 

[xabiaxica]

Hello. A year ago I was diagnosed with low level grade 1 prostate cancer and had month long radiotherapy sessions. My PSA blood results have gone down to low levels. I was hoping to apply for the NLV in two years time but understand any healthcare policy cannot have exclusions. By then it would be 3 years from diagnosis and Dr reckons I’ll be cancer free by then. Does anyone have experience of the NLV application and healthcare policies with a previous cancer diagnosis? Thank you.

I've moved your question to the end of a current existing thread about this.

Get yourself a coffee & settle down for a read, then by all means ask any further questions that you might have.

 

[John Dunlop]

Thank you.

 

[Dardamisius]

Yes, please follow up with your findings or an update please. thank you.