[pammi2013]

The 'visa certificate' isn't a legal document as far as I am aware. Only the policy itself is.

The problem is that at some point you might find yourself unable to pay. So then who pays?

That's why the government insists that the health insurance has no co pays & no exclusions.

ASSSa have told me there are NO Copayments. anyway i have filled out their form to see what they can do for me highlighting my medical history

 

[pammi2013]

Hi - yes, as per my bio, I have a business that helps people plan a move to Spain, inlcuding referals to private insurance companies in Spain. I'm answering the question related to a visa and residency application where private healthcare is required, not optional. For many people, public health care in Spain is an excellent choice, but for a non-lucrative visa application (and other classes of visa and residency permit), it is not an option.

so what is your business called?

 

[xabiaxica]

but wht if you can prove you can pay, you are showing your savings, we can even put money aside in case we need medical cover? if it is only 800 Euros a year for my treatment /infusion i can pay that no problem, i can do that for the year then after the 1 year apply for the convinea especail , highlight my medical history then pay but smaller costs

What is the case today might not be the case in a year or three. You would have to pay the cost of medication with the convenio especial in any case, so ability to do so doesn't come into it.

But in any case, nobody is going to ask if you can afford medication. If your income is such that you qualify for a visa, then that shouldn't be an issue.

What if your condition worsened during that first year & you needed some form of treatment that you couldn't afford & the health insurance wouldn't pay for?

Really there are no other 'what ifs'. For the first year, the visa requirement is no co pays & no exclusions.

 

[xabiaxica]

ASSSa have told me there are NO Copayments. anyway i have filled out their form to see what they can do for me highlighting my medical history

Yes, most insurance companies offer a no co pay policy. The other issue is that there must be no exclusions for visa applicants

 

[pammi2013]

What is the case today might not be the case in a year or three. You would have to pay the cost of medication with the convenio especial in any case, so ability to do so doesn't come into it.

But in any case, nobody is going to ask if you can afford medication. If your income is such that you qualify for a visa, then that shouldn't be an issue.

What if your condition worsened during that first year & you needed some form of treatment that you couldn't afford & the health insurance wouldn't pay for?

Really there are no other 'what ifs'. For the first year, the visa requirement is no co pays & no exclusions.

Yes and Asssa are offering no co payments, like i said i have filled in their form so lets see. I would not have a problem paying for first year

 

[pammi2013]

Yes, most insurance companies offer a no co pay policy. The other issue is that there must be no exclusions for visa applicants

are you the secretary of this website because all I keep getting is obtacles and yet a man on this forum who had a hard attack got covered on NLV with ASSSA and they were covered for any first issue that related to his brain?

 

[xabiaxica]

so what is your business called?

The member must not or tout his business on the forum, so is not permitted to tell you, neither publicly, nor by private message.

 

[xabiaxica]

are you the secretary of this website because all I keep getting is obtacles and yet a man on this forum who had a hard attack got covered on NLV with ASSSA and they were covered for any first issue that related to his brain?

I & others are simply trying to advise you of possible issues. & the facts as they stand.


It's entirely up to you if you wish to take a chance & apply for a visa with an insurance policy with exclusions.

Some clearly do slip through. Others don't. As another member mentioned, if you are later found to have a policy which doesn't comply with visa requirements, your visa might be cancelled.

I personally know a couple who had major problems renewing at years 1 & 3 due to health insurance coverage. At their age the convenio especial was more expensive for them than they had been paying, but they did eventually switch to it I believe.

 

[pammi2013]

I & others are simply trying to advise you of possible issues. & the facts as they stand.


It's entirely up to you if you wish to take a chance & apply for a visa with an insurance policy with exclusions.

Some clearly do slip through. Others don't. As another member mentioned, if you are later found to have a policy which doesn't comply with visa requirements, your visa might be cancelled.

I personally know a couple who had major problems renewing at years 1 & 3 due to health insurance coverage. At their age the convenio especial was more expensive for them than they had been paying, but they did eventually switch to it I believe.

ok lets see what ASSSA say to me

 

[pammi2013]

please see my reply from ASSSA "Medical department has confirmed that your policies can be issued. You can do the Master cover with a certificate for the VISA application confirming: Full cover, no copayments and no waiting periods. ASSSA, you still are covered for 1st assistance in case of emergency, you can go to doctors consultation to get prescription for medication The Spanish documents for NLV/residency do not show any exclusion ", what are your thoughts please?

 

[Cinbear22]

100% percent, looking at about 1200 plus euros per month then i would have to buy my meds , not worth it

Hi, I also get infusions, mine are monthly. I have been approved for insurance that covers my pre existing conditions from 2 different companies. Try DKV and assas. They will both cover the infusions and rheumatology treatment. I will just have to pay for the drug.

 

[pammi2013]

Hi, I also get infusions, mine are monthly. I have been approved for insurance that covers my pre existing conditions from 2 different companies. Try DKV and assas. They will both cover the infusions and rheumatology treatment. I will just have to pay for the drug.

Thank you I have been approved by ASSSA but they wont cover the cost of the infusion, what infusion is it please and how do you intend on getting it done? If mine works i may only need twice a year , not heard of DKV? Are you already in spain ?

 

[Cinbear22]

Thank you I have been approved by ASSSA but they wont cover the cost of the infusion, what infusion is it please and how do you intend on getting it done? If mine works i may only need twice a year , not heard of DKV? Are you already in spain ?

I am not yet in Spain. My move is planned for 9/1. I am working on everything needed for Visa. Did you ask if they will cover the pre existing conditions? I did ask because everyone kept saying no one will cover them. That is not true. I have completed applications to get accurate quotes and both included my conditions. The only thing not covered is the drug. The infusion treatment is covered. I am in Orencia. The policy will be more in the 2,200 per year range.

 

[Cinbear22]

I am not yet in Spain. My move is planned for 9/1. I am working on everything needed for Visa. Did you ask if they will cover the pre existing conditions? I did ask because everyone kept saying no one will cover them. That is not true. I have completed applications to get accurate quotes and both included my conditions. The only thing not covered is the drug. The infusion treatment is covered. I am in Orencia. The policy will be more in the 2,200 per year range.

And is wasn’t Asssa sorry it is Asissa that I got the 2nd quote from

 

[pammi2013]

I am not yet in Spain. My move is planned for 9/1. I am working on everything needed for Visa. Did you ask if they will cover the pre existing conditions? I did ask because everyone kept saying no one will cover them. That is not true. I have completed applications to get accurate quotes and both included my conditions. The only thing not covered is the drug. The infusion treatment is covered. I am in Orencia. The policy will be more in the 2,200 per year range.

Yes I have disclosed my conditions, they said I am covered "Medical department has confirmed that your policies can be issued. You can do the Master cover with a certificate for the VISA application confirming: Full cover, no copayments and no waiting periods. There are pre-existing conditions what would be excluded with your health cover: rheumatoid arthritis/Systemic lupus erythematosus and Thyroid disease. However with ASSSA, you still are covered for 1st assistance in case of emergency, you can go to doctors consultation to get prescription for medication " Ive not heard of Orencia before. Who is the other company you got a quote from DKV, not heard of them. So how do I find out if my infusion treatment is covered (i know the drug isnt)? Is that 2200 per year just for you or family?

 

[pammi2013]

I'm in Spain just now on a final trip to see if we can live in Spain.

Would come on the NLV, my wife is due her S1 in 2 years. I am a toy boy though and have ages to wait. I have had a heart attack, 6 years ago and a TIA last year, yes she is wondering that she got a faulty model.

I understand that the private medical insurance I need for the 2 years will not cover anything that goes wrong with my chest or brain.

My question is would the Spanish health care system treat me free of charge? Would they treat me and then produce a massive bill at the end? Would they just look at me doing a dying fly routine and do nothing? Can I get the Convinio Especial and pay for it at the same time as private health insurance?

The worry is something goes wrong in the 2 years till the S1 kicks in and could not risk financial ruin if something bad happened health wise.

Any solutions will be gratefully received or to point me in the right direction of who to ask to get 100% correct answers.

Cheers

how old do you have to be to get yur S1?

 

[Cinbear22]

Yes I have disclosed my conditions, they said I am covered "Medical department has confirmed that your policies can be issued. You can do the Master cover with a certificate for the VISA application confirming: Full cover, no copayments and no waiting periods. There are pre-existing conditions what would be excluded with your health cover: rheumatoid arthritis/Systemic lupus erythematosus and Thyroid disease. However with ASSSA, you still are covered for 1st assistance in case of emergency, you can go to doctors consultation to get prescription for medication " Ive not heard of Orencia before. Who is the other company you got a quote from DKV, not heard of them. So how do I find out if my infusion treatment is covered (i know the drug isnt)? Is that 2200 per year just for you or family?

The quote is just for me. I have psoriatic arthritis and thyroid. I have confirmed there will be NO exclusions from either policy. I would tell them you want a quote that covers your pre existing conditions. The other company is Asisa. Ciaran below. He is awesome.
Ciaran O Toole
Innoinsure.com

 

[pammi2013]

The quote is just for me. I have psoriatic arthritis and thyroid. I have confirmed there will be NO exclusions from either policy. I would tell them you want a quote that covers your pre existing conditions. The other company is Asisa. Ciaran below. He is awesome.
Ciaran O Toole
Innoinsure.com

Hello I have already told ASSSA about my medical conditions and they are ok with that, I wil try your link as well, thank you.. Are you moving yourself in September or with family and have you applied for a NLV yet and where do you plan to live, sorry being intrusive. thanks

 

[xabiaxica]

how old do you have to be to get yur S1?

Healthcare for UK nationals living in Spain

How to get state healthcare if you live, work or study in Spain.

www.gov.uk

 

[xabiaxica]

please see my reply from ASSSA "Medical department has confirmed that your policies can be issued. You can do the Master cover with a certificate for the VISA application confirming: Full cover, no copayments and no waiting periods. ASSSA, you still are covered for 1st assistance in case of emergency, you can go to doctors consultation to get prescription for medication The Spanish documents for NLV/residency do not show any exclusion ", what are your thoughts please?

So they said to you that treatment for your condition is excluded, but that they will give you a document saying that there are no exclusions... or maybe my memory of what you have posted previously is wrong.

If the policy says no exclusions, bite their hands off before they change their mind!