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4. Private health insurances

If you are not included in the national health services of your home country, you may have contracted a private health insurance there. Find out with the insurance company if they will pay your medical bills in Spain as well. If you are completely or partly without cover abroad, and a travel insurance does not fill the gap, you should take private health insurance. Some foreigners feel more comfortable with private insurance in addition to the public one, because they like to choose their medic and hospital, or because they doubt the quality of the state health services. To the last point we can say: The national health services in Spain has improved immensely, and is of a very high standard. What you cannot avoid, not in Spain and also not in your home country, are queues and waiting times.

There are a number of private Spanish or foreign health insurances offered to the foreigners in Spain. You only have to read one of the publications in foreign languages to find their addresses or agents. You may also ask other foreigners who have been staying in Spain for a long time for their experiences.

One of the leading Spanish health insurance companies offer a very comprehensive coverage for a price of 1800 Euros per year for a married couple of 61 years of age.

The most important health insurance companies in Spain are Adeslas, Asisa, La Estrella, DKV Seguros, Sanitas and Winterthur. Today, all insurance companies have their "Defensor del Asegurado" (ombudsman for the insured) who you can present your complaints to if you feel the company is not dealing correctly with you. If that does not work, you can approach Dirección General de Seguros (phone 91-339 72 00) in the Ministry of Economy. If you want to present a formal complaint to this office, proceed as follows:

 

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