Preguntas Ardientes: What kind of health cover do I need for living abroad in Spain?

September 18, 2015 by · 2 Comments

If you’re planning to move to a new country like Spain where healthcare isn’t free for or guaranteed for all, it’s important to understand that travel insurance isn’t going to protect you if you fall ill. These policies are cheap for a reason – they cover things like lost suitcases and are only for return trips, explain the independent health insurance brokers at Medibroker.

Buying expat health cover is one of the most important, and most complicated, things you need to do before relocating abroad. Nobody is invincible, and medical bills for even routine operations can land expats in hot water if they don’t have the right insurance.

andalusian health card

Spain’s two-tier healthcare system includes both private and public doctors. If you’re working with a social security plan, you’ll be entered into the public Social Security; if you’re on a long-stay visa or self-employed, you’ll be required to get private health insurance. Several big companies exist, but not all plans are created the same.

Medical insurance is a confusing product – it’s something you have in reserve and it’s not tangible, so you have to shop around. Plans offer varying levels of cover and there’s a multitude of add-ons and jargon to wrap your head around.

When it comes to something as important as your health and finances; you can’t afford to buy a plan that isn’t right for your specific needs.

Maybe you think you’re healthy, but that doesn’t matter – nobody is too careful or too healthy to need good medical insurance. Accidents happen, and they have an annoying way of popping up when you haven’t planned for them.

Things to consider when buying expat medical cover

Your health

If you already have a health issue, getting cover is going to be more complicated. Pesky pre-existing conditions affect your choices when it comes to buying insurance, so it’s useful to ask an expert which of the 100s of plans on the market will be flexible enough to accommodate you.

Do you need a global plan?

It’s often tempting to save money by buying a local health plan. However, you should think carefully about this so-called ‘saving’. Local cover in Spain only pays out for medical treatment received within the country and access to some hospitals is restricted. There’s also a level of risk attached to buying a foreign language policy – the small print may not translate.

Ambulatorio Spain

An international plan means you’re covered wherever you go, meaning it’s a lot more comprehensive. It’s increasingly important for Brits living abroad to get international health insurance because changes to NHS rules in the UK means they may no longer be entitled to free healthcare when they return home.

Visa Regulations

It’s important to research the specific country’s rules regarding health insurance requirements for expatriates. How can you be sure that a medical plan you’ve selected is compliant? Speak to an insurance professional and be sure to add repatriation to the plan – it’s required for visas issued from outside the EU for Spain.

Budget

Your budget for health insurance will affect the level of cover you purchase. Plans from UK-based insurers are designed to control costs by limiting geographic cover. An excess or deductible will reduce your premiums, though the higher the excess the more you may have to pay when you come to claim.

Health Insurance is a complex, expensive product because plans try to meet your needs.

hospital care in Spain

The level of cover you need will depend on your individual circumstances. Even if your employer provides you with cover, you should always question its suitability. Your age, health and future plans are all factors to take into consideration and you will also have to think about whether you will need add-ons like maternity or dental cover.

You’re a person, not a category, so a comparison site can’t fully assess your requirements. Understandably, insurance providers are only going to recommend their own plans – even if there’s a better one on the market.

About the author: Medibroker can guide you through choosing a health insurance plan for your time in Spain. A personal advisor calls you to chat about your needs then recommends a plan tailored to you. It’s a completely impartial, 100% free service, regulated in the UK by the FCA.

Filed Under: American in Spain, Caser Expat Insurance, Expat Advice, Featured, guest post, Guiri Survival Tips, health, Moving to Spain, Preguntas Ardientes, The UK · Tagged:

Travel Highlights from the First Six Months of 2012

June 30, 2012 by · 7 Comments

It really hit me when I was saying goodbye to my students last week – time really does fly when you’re having fun. I’ve been so busy with everything that I never even stopped to take it all in, and what I’ve done the most in these last six months is travel. Menudo vida, ¿no?

January

On the tail end of my trip to the American Southwest with Kike in tow, I spent three weekends in a row out of town. First up was a trip to visit Hayley in Antequera and celebrate her birthday. Amongst other things, we went to Málaga to have a seafood cumple lunch at the famous El Tintero, where there’s no menu, just a live auction for your food! I don’t know what was better – fresh espetos or Hayley’s red velvet cake!

The following weekend, I got a cheap trip to Alicante to visit my dear friend, Julie. I’d never been before, so Julie showed me her sleepy seaside town – the tapas scene, the dominating Castillo Santa Bárbara and I even snuck a night in Valencia in!

February

One of my favorite places in Spain is Kike’s village of San Nicolás del Puerto. Nestled between the hills of the Sierra Norte de Sevilla and the acorn trees that feed the pigs, this pueblito of 700 people has become a treasured weekend getaway. This time, we took Susana, Alfonso and Luna, who loved the horses and piglets at Finca Los Leones.

March

I was thrilled that Kike would be spending time during a three-month training course in Galicia which has become like a second home to me in Spain. Our trip took us to Santiago, La Coruña and El Ferrol and included stunning weather, surprise run-ins and even a broken car. It’s all cake when you’re with the one you love, though!

Following that, I finally realized my dream of traveling to Turkey. Though we didn’t get to explore anything outside of Istanbul, I was taken by the warmness of its people, the monstrous monuments and the sumptuous food. I’d love to go back one day and see parts of the interior and coast.

April

After arriving from Turkey, I took a train out to Zaragosa, capital of Aragón and one of Spain’s largest cities. The weather did everything but let the sun come through, so we spent a lot of time relaxing and cooking while we stayed with Gonzalo, a friend of Kike’s from the military. Am I willing to go back? Sure, but not anytime THAT soon.

May

In 2012, I wanted to change up my travel routine a bit, so I went along with Audrey’s idea to do a giant obstacle course. She had exaggerated on obstacle course, but inversely: I signed up for the Tough Mudder, a 10-mile run with 25 obstacles somewhere along the way in the fields outside of the Boughton House. My body ached for days afterwards, but it was worth it. We got to see Oxford, too.

The weekend before, we’d gone to Murcia, a little forgotten corner of Spain where nothing happened but a wine tasting and a fight on the beach, all wrapped up into a lot of time in the car.

June

June has been quiet, comparatively. Between ending my current job and starting a new one, I’ve only made it to Marid for a weekend for a conference and a few goodbyes.

So, what’s next? The only big trips we’ve got on the horizon are this summer and at Christmas, but I’ll have three-day weekends to enjoy from September on. I’m heading to La Coruña Monday to work for the same summer camps I’ve been at the last three Julys (my apologies for the lack of posts), then making my yearly trip to America for the month of August. While I’m there, I’ll visit NYC and Boston for the first time in my life before heading back to Spain in early September. I’m also heading to the Travel Bloggers Unit conference in Porto with Lauren of Spanish Sabores.

So what’s been your travel highlight of these first few months of 2012, and what’s up next for you? Leave me a message in the comments so I know where to expect a postcard from!

Filed Under: Andalucia, coming home, gastronomy, holidays, international travel, Madrid, Murcia, photo post, spring, the north, The UK, Tough Mudder UK, tourism, Travel, Turkiye · Tagged: , , ,

How Oxford Changed my Mind About England

May 21, 2012 by · 28 Comments

I dislike England. Phew, feels good to admit it.

I’ve now been to the British Isles four times – three to England, and once to Scotland (which, for the record, I loved). But England I just do not like. Too impersonal, too similar to my home country, too expensive and sub-par food. Add that to airport hassles each time, and it takes an awful lot of convincing to get me to England.

Audrey convinced me. A Facebook invite to an event called Tough Mudder, coupled with a cheap Ryan Air flight meant I’d be spending a weekend is cheery old London, and a little race on Sunday.

I grumpily boarded the plane on Friday evening, knowing full well I’d be missing the Feria de Jérez and the Romería of San Nicolás, my adopted pueblo. I wanted to spend the weekend in Spain. Two hours, turbulence and a long customs line meant I’d missed my bus into the city center, and in the end I arrived at my hostel near the British Museum around 3am. I hate England.

Upon seeing my friends the following morning, we were faced with a decision: where to go to get the hell out of London. Audrey got in on the wrong side of the car as we narrowed it down to two destinations: either Oxford or Cambridge. Any guesses as to how the four of us earn money??

Sunglasses on (yes, we got a sunny weekend!), map route to Oxford highlighted and Audrey finally on the right side of the road, we drove the 60 miles northwest to England’s poshest university town, admiring the vast yellow fields of rapeseed and low-hanging clouds.

Oxford was full of two things: bicycles and people wearing commencement robes. We happened to be there on the weekend that young hopefuls were packing up their rooms and heading into the Real World, while three of the four of us are on our fifth years in Spain. I’ll drink (a delicious local beer) to that.

While having pints at White Horse, a small underground pub near the heart of the village, we squeezed into a table with six older men and women. They’d come down for the weekend from the Northern end of the country, taking advantage of the postcard-perfect weather. The happily handed over a map and encouraged us to see any one of the university’s 80+ colleges.

After living in America and Spain all my life, I assumed the colleges were the different university buildings for the different areas of study. Instead, the colleges at British universities are residence halls with vast, grassy lawns and towering turrets. It was like jumping right into Hogwarts as we peered into the doors and saw graduates in their long, black robes playing cricket on the lawns.

A glimpse into the 80+ colleges that surround the Oxford campus. No beer pong here, just cricket!

Nearly all of the colleges were closed that day due to the commencement activities, so we troved the bustling center, full of shops and quaint pubs. I was immediately transported back to my trip to Ireland with my parens in 2010 and the number of roadside joints we popped into for a quick pint or some grubby pub food. A trip to the Sainsbury’s meant we were well stocked with gourmet crackers, humus and some veggies, and we did as the locals – found a soft, emerald lawn to stretch our legs and fill our bellies.

Around us, graduates snapped up pictures in front of their well-loved grounds and I likened Oxford to Galway – walkable, a bit quirky (if posh can be that at all) and inviting. The warm weather did well to lift our spirits as we talked about our own graduations: Lauren is heading to China to teach, Audrey back to Texas to start field work for a business she’s creating, and Annie to school in Colorado. That leaves me, not yet ready to walk down the commencement road and leave Spain behind for a different future.

Our time meter was not quite up on the rental car, so we ducked into a pub as the evening weather was turning cool. Tomorrow we’d be up at the crack of dawn to run the Tough Mudder, but who could really think of tomorrow when we’re all just living for today?

Have you ever been to Oxford? What were your impressions? Is there a city in a country you’re not fond of that you’ve come to enjoy?

Related Posts Plugin for WordPress, Blogger...

Filed Under: ESL, guiri atope, international travel, spring, The UK, travel photography · Tagged: , ,