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Possible to get into Spanish health care system?

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expattobe26
2/18/2018 08:04 EST

Is it possible to get into the Spanish national health care system in Spain as a permanent resident?

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mikea2160
2/18/2018 09:46 EST

Yes, I believe you can after 1 year of residency. It' about 60 euro under age 65 and about 160 euro 65 and older. Others can confirm but I believe it's this:

If you have been registered on the padrón at your town hall for a year, the Spanish government has a state insurance scheme (convenio especial) with a basic monthly fee. This is administered by the authorities in each autonomous region.

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expattobe26
2/18/2018 11:11 EST

What about coverage of pre-existing condition, including medications? I am not able to get one of the international health insurance plans due to a pre-existing condition (HIV).

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mikea2160
2/18/2018 15:57 EST

I believe that in the national system pre-existing conditions are covered. My spouse has type 1 diabetes. I think we will be on our own the first year (with insurance that won't cover pre-existing except for emergencies) but once in the national system we will be covered. Currently here in the US we spend about $25K per year for insurance and copays.. 3 vials of insulin (one month supply) cost about $900. Once we meet our out of pocket in April then it's "free" the rest of the year...I believe this costs would be considered outrageous in any other part of the world.

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HFOsle52
2/19/2018 01:09 EST

We are not in the spanish national healthcare system. However we signed up for health insurance coverage with cost about 250 per month for three adults. My wife has a thyroid condition and, so far, everything is covered. We do pay for some medicines (I can get you the details) but it is far cheaper than the USA.

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expattobe26
2/19/2018 06:12 EST

Can you provide me with information on the insurance company? Thanks so much.

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expat health insurance from CIGNA

Choosing an expat health insurance provider is an important decision. Get a quote from our trusted expat health insurance partner, CIGNA. With Cigna Global Health Options, you can create an international health insurance plan that's perfectly tailored for the needs of you and your family.

Learn More Get a Quote

expattobe26
2/19/2018 06:12 EST

Can you provide me with information on the insurance company? Thanks so much.

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martinPH2
2/22/2018 13:04 EST

Would love to know what insurance company provides this coverage. Thank you in advance.

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gvb
2/22/2018 13:32 EST

I am finalizing health insurance for our first year in Spain with Sanitas. Full coverage, including dental, vision, coverage in US, repatriation, zero copay/deductible for two adults in early to mid 60s comes to about $325/month if paid for the whole year. Sanitas has an English website and is very responsive to questions.

Gail

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gvb
2/22/2018 13:33 EST

I am finalizing health insurance for our first year in Spain with Sanitas. Full coverage, including dental, vision, coverage in US, repatriation, zero copay/deductible for two adults in early to mid 60s comes to about $325/month if paid for the whole year. Sanitas has an English website and is very responsive to questions.

Gail

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Neil605
2/22/2018 14:44 EST

Great. Can this be set up with a policy BEFORE we arrive in Spain (as required by the long term Visa process)?

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gvb
2/23/2018 14:06 EST

We are able to process ours in April before our consulate appt on 4/6 to be effective on 6/1. We are able to do that without a Spanish bank account (because we will pay for a year in advance with a credit card) and without an address in Spain--the customer service agent told me to use their office address on the application until we get a permanent address. Also, the insurance is able to be cancelled if something goes wrong with our visa application. So, all in all, very user friendly.

Gail

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tvfilmproducer
3/19/2018 20:39 EST

What Health Insurance company do you have in Spain that cost 250 per month?

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