Medical Insurance
The term 'medical insurance' can involve several aspects of protection, including dental insurance.
You might prefer cover that will allow you to 'go private' rather than rely on the Spanish healthcare system. There are many different insurance products aimed at helping you soften the financial blow of medical expenses you may have to incur.
Private Medical Insurance
You may consider buying health insurance so that you can have a choice in the level of care you get, rather than being reliant on the Spanish Healthcare system.
Basic private medical insurance may pick up the costs of most in-patient treatments (tests and surgery) and day-care surgery, and some extend to out-patient treatments (such as specialists and consultants). Taking out medical insurance involves answering a number of questions about your health, and the conditions of your cover will be based on the information you provide.
Pre-existing conditions or chronic conditions likely to continue to need regular or periodic treatment may be excluded - if you are asked to disclose these when applying for the insurance you must do so, or you could invalidate your policy. You can't take out cover now for treatment you know you're going to need.
More Medical Insurance
Bear In Mind.
Some medical insurance policies exclude certain types of treatments such as out-patient treatments, routine health checks, dental care or experimental treatments and most exclude routine pregnancy, HIV/AIDS, fertility treatment, mental or psychiatric conditions, as well as treatments you choose to have, such as cosmetic surgery.
In a competitive market, cover and costs vary - cheaper policies may not offer the level of protection that you want, or you could be happy with a lower level of protection.
Dental Insurance
Dental insurance is a type of health cash plan.
Many Spanish Medical Insurance Providers include this in their plans.
It usually will cover check-ups and hygiene and heavily discounted fees on other treatment.
Standard Excess
Some policies have a standard excess charge whereby you pay the first part of any claim.
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If you agree to pay a higher excess you might get a cheaper policy.
Or you could choose cover that only kicks in if Spanish Healthcare system services are not available within a certain timeframe.
With so many possibilities, make life easier by asking a Peter Male Advisor to shape your medical insurance.
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Everyone's circumstance is different and off the shelf financial products may not cater for your personal needs; but with the right financial advice from a qualified and experienced financial advisor we can help you weigh up your options and execute your wishes.
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In the interest of the environment we like to determine your needs over the phone or email, and your free consultation can start from there. If we need to visit and need a few hours with you then we'll let you know if there are any fees. But we do offer the first hour for free.
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Peter Male Financial Planning has been operating from Benalmadena Pueblo, Malaga since 2002 and with agents in Spain and Introducers in the UK we offer more flexibility.
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