Guide to Health Insurance in Spain For Foreigners
Vložit
- čas přidán 15. 07. 2024
- ✅ Click here to learn more about the Health Insurance that meets your Visa requirements: www.innoinsure.com/visainsura...
▶️ Thinking of moving to Spain on a DNV, NLV, or Golden Visa? Check out our custom link for a free consultation & exclusive discounts on Bureaucracy.ES services: www.bureaucracy.es/everything...
Hey Guys! Welcome, and in today’s video, we are giving you our personal experience with medical insurance and hospitals here in Valencia and also we will share how much everything cost us!
🔗 Click here to join the Facebook community of Expats in Spain: / everythingisboffo
▶️ Please Subscribe: / @everythingisboffo
▶️ Want to say thanks? Buy us a churro: www.buymeacoffee.com/boffo
About 5 million foreigners live and work in Spain. Spain is very popular with people from other countries because it has excellent social security benefits, an outstanding work-life balance, great weather, and an excellent healthcare system.
However, expats often need clarification about how the Spanish healthcare system works, if they qualify for public insurance, and if they need to buy private health insurance. This kind of health insurance differs from Spain's travel insurance, which only covers tourists and visitors for travel-related events.
So, before you join the other 5 million expats living in Spain, here is an overview of the country's healthcare system for expats.
In this video, we discuss our personal experiences with health insurance and hospitals in Valencia. This overview of the Spanish healthcare system is meant to help you understand it better and prepare for your move.
▶️ Looking to skip ahead? Here are timestamps of today’s discussion:
00:00 Health Insurance In Spain For Foreigners
00:43 Backstory one of the reasons that we left the US was because of the Healthcare
01:47 Our personal experience with medical insurance and hospitals here in Valencia
03:33 Things that we love about our health insurance
04:49 Things we’ve learned about our health insurance
09:31 The total cost of our health insurance with Adeslas
13:51 Thanks for buying us coffee
Spain has a universal healthcare system, meaning all citizens and residents can access free public healthcare, regardless of income or employment status. This includes expats and short-term residents who pay social security contributions. The National Health System (SNS) provides many services, including doctor's visits, hospital stays, and prescription drugs.
While the SNS is the primary healthcare provider in Spain, there is also a private healthcare sector. Many expats purchase private health insurance in addition to their SNS coverage. This can give them access to shorter waiting times, private hospitals and clinics, and English-speaking healthcare providers.
▶️ Things that we love about our health insurance:
• Quick access to specialists
• Doctors can order a bold test, ultrasound, or scan without asking for the insurance company’s approval
• We didn’t have to take care of any paperwork
• The maximum amount covered per-insured party, for the entirety of the above-mentioned expenses that are incurred abroad is 12,000 Euros.
▶️ Things we’ve learned about our health insurance:
• Follow your doctor's orders especially when you need to come back for a procedure.
• Learning Spanish can greatly help with getting better & faster service
• Download the app of your health insurance provider
• Once you have a valid prescription from a licensed healthcare provider you can take it to any pharmacy in Spain
• Health insurance acceptance can vary based on your policy terms and the provider network. In-network doctors and hospitals are more likely to accept your insurance
• Dental care is considered separate from general healthcare and individuals often need to seek separate dental insurance or pay for dental services out of pocket
• Take emergency numbers on your phone including the local police fire medical services
• In the Spanish healthcare system, appointments for different medical services are often separate
So, watch the video till the end and let us know your thoughts in the comments.
If you like this video, please SUBSCRIBE and don’t forget to press the bell 🔔, 👍like, comment and share!
-------
▶️ Join Our Expat Community on Facebook in Valencia:
/ movingtovalencia
-------
▶️ Follow us on Instagram: / everythingisboffo
-------
▶️ Our Other Videos:
• Guía para comprar una propiedad inmobiliaria en España: • La guía definitiva par...
• Spain Golden Visa Requirements ✨: • Spain Golden Visa Requ...
-------
#EverythingIsBoffo #spainhealthinsurance #healthcareinspain #spainprivatehealthinsurance #healthinsurance #movingtovalencia #movingtospain #livinginspain #valenciavlog #healthcare
I absolutely love everything you put out. We worked with Mariana and are happily in Sevilla! Your videos are great!!!
Thank you so much for watching! ☺️
Thank you so much for this info. Great insight. I am contemplating leaving US. Spain seems the most reasonable. My family speak fluent Spanish so language produces no problem. God bless!
@@geeval3910 thank you! If you need help with the visa process please check out our friends at Bureaucracy.es/everythingisboffo
Thank you. Planning our move this year. Love this content!
Thank you! ☺️
Great job guys!
Thank you! ☺️☺️☺️
Excellent video!
Thank you for watching!
Thank you for your wonderful videos. you guys really are making it easy for us to decide to go to valencia. 😊
Thanks for watching. We don’t regret our decision for even a minute of our life here. ☺️
molts ànims Bea and Paul... Salut i Força!
Moltes gracies! ☺️
Just saw your video on medical coverage! Seen all your videos (since we've lived in El Puerto de Sagunto for almost a year. Love it here! Wish you both the best. (We also used Marina to help with the visas!)
Best, Nick
Awesome! Thanks so much for watching! Glad Marina could help you as well. ☺️
Glad to hear you're on the mend, Paul. Will be applying under the DNV soon, and hope to meet you and Bea in Valencia in 2024! :) Stay healthy, you two!
Thank you! ☺️ he got the all clear!
You both are so wonderful! Thank you so much for the super great info, and thank you so much for sharing your personal story! So glad to hear you're doing better Paul ❤️ My girlfriend and I are planning on studying in Barcelona this year coming from the US, and hopefully settling down in Spain long term. Medical is definitely a big reason both of us are looking forward to move as well ❤️🩹 We're so excited! ✨
Thank you for the well wishes! We were just talking today how lucky Paul was that it happened here and not in the US. Not only because he was fully covered by insurance but also because of the efficiency and quality of the care he received. Best of luck on your move! If you need insurance try looking at www.innoinsure.com/visainsurance/everythingisboffo
this is super helpful ! Husband and I are looking forward to moving there soon
Thank you for watching! Good luck on your move!
Great video guys!! Sorry to hear about your gallbladder Paul, that's not fun at all!!!! Keep the awesome and informative videos coming :)
Thank you! We’re just glad that he got the all clear and no medical bills. ☺️
Yes so true!!! @@EverythingIsBoffo
Loved your video, "happy Filipinos". I spent almost 10 years (on 3 different occasions) in your beautiful country, my daughters grew up there. It is only fair that I consider myself as an "adopted Filipino"!!
Kabayan! Maraming salamat! ☺️
In VLC now, been watching EB for awhile now 😊 staying with my friend life long friend Corinne; you took photos in her renovated flat…small world, who knew!? We’ve just reserved a contact on a flat! 🤞
Corinne is so sweet! ☺️ Thanks for watching!
Very sorry about your sister in law. Glad to see you are well now. Vithas is great. We have Asisa and 4,000 a year for 5 people. Stay healthy.
Thank you! She really held on as much as she could and we’re glad that she got to say her goodbyes on her own terms. 🙏🏼
Hope you good people stay healthy the health insurance is reason for me to retire in Spain next year I hope last week I was charged 1250$ for small crown again thanks for these wonderful information👍👍
Thank you for watching! Good luck on your move!
Great information! I paid 830Euro for my daughter for a whole year :(! ! Next year I will change for sure! Thank you for this valuable information. Maraming Salamat!
Oh gosh, that’s quite a lot. Please reach out to our friends over at www.innoinsure.com/visainsurance/everythingisboffo to get a free quote.
Nice video guys. I’m moving on a NLV from the UK so we are looking for insurance company recommendations. Subscribed to your channel so “dias felices”
Mil gracias! We love Adeslas and highly recommend it ♥️ We are on an NLV as well and it fit us perfectly! our custom link is in the description so feel free to click on it to discover more about them 😊
Great info! Does Adelas cover you if you went to France, Germany, etc?
Yes it covers up to 12,000 euros except for our country of origin.
Good video. We're still thinking of retiring to Spain from Canada. I have second thoughts considering our health care is amazing and practically free. So why leave...... our winters suck.
Thanks for watching! My sister asked me why will I move to Spain if Canada is so close to the US. I said I’d be miserable in cold weather … part of why Canada didn’t even cross my mind.
Glad to hear you were well taken care of in the Valencia hospital, Paul. One question: could you have used Adeslas for your first year of living in Spain or does it not qualify for the type of insurance you need to be approved for a visa?
Yes we used our insurance (Adeslas) during the first year for check-ups. The visa requirement is for our insurance to have full coverage, no waiting, no copays, with repatriation. So we’ve been with Adeslas since our move.
Great video! Really informative 😊. One question: If you didn’t have an NLV would you select your current healthcare provider or would you go with another company? Thanks!
Oooh that’s really a tough question. We wouldn’t have moved to Spain on any other visa so can’t say if we would have chosen something else.
great info.i am from the uk,i have no medical issues yet at51.the Spanish healthcare system and private medical is one of the main reasons i plan to move and retire in Spain.if or when i need treatment i would expect to be treated,the uk national health service is a joke and has been dreadful for 30 years.A and E waiting times 7-8 hours is normal.appointments with specialists can take as little as 1 year but usualy longer.operations wait 2 years and usualy canceld day before after wating 2 years,i dont want to put up with NHS as i get older and maybe develope problems in my old age,thankyou for this video.
Thank you for watching! Please note our experience is for the private health care which is to us a very very reasonable amount. We’re not sure how the public one is but we heard it’s also good.
In UK as well. Just like yourself, am looking at buying a property and moving to Spain.
@@IamGio69 hopefully we can buy a house soon, too!
Great video! I’m glad you are healthy now. A question:
Can one apply to Adeslas directly on the website? Or is an insurance agent needed to do it like in the USA?
Sorry about your loss. I too lost someone dear to my heart with whom I had the plan to retire in Spain. That has propelled my plan to this December. Only when one stares death in the eye, one realizes that life is a gift. So God willing I’ll be in Spain by December with my family. Thanks. And I’m glad you two are well.
Hello, we used an agent. Try our insurance Adeslas at www.innoinsure.com/innoinsure/expat-insurance?&
So sorry to hear about your loss as well. Best of luck on your move.
@@EverythingIsBoffo thanks a lot.
Hola! My husband and I will be moving to Spain (bought a house and land on the Camino de Santiago). I am curious to know of preventive health care in Spain. As former residents of the US (as are we), I am sure you are aware of the health care culture here. We have our yearly colon screening where our doctors have a kit auto sent to us and we submit our specimen through the mail and then check our results online. Also, I am schedule for regular mammograms and physicals as prescribed by my primary care doctor. Is it similar in Spain in your experience? Also, I am going through the process donating my kidney to my sibling and wanted to know if this will effect my visa application in any way as I know that diabetes, for instance, most likely would result in a visa denial. Thank you so much for your awesome helpful videos. It is so cool to see fellow Pilipinos following a similar dream :)😍
Hello! I haven’t had a colonoscopy yet but our friends who did LOVED the process. The laxative they got cleaned them out in 1 go, they didn’t get the runs. And then they were done. I got my mammogram results in 10 mins to bring to my doctor. It’s very very efficient and thorough(I guess because I have private insurance). Most blood tests are ready in 2-3 days. I’m not sure if kidney donation will disqualify you, but reach out to www.innoinsure.com/visainsurance/everythingisboffo to see. Good luck kabayan!
Salamat!
Do you get explanations of benefits or how do you know insurance considered your expenses?
We got a list of benefits before we purchased the insurance. The visa we have requires us to get the coverage that has no copayments, no deductible, no waiting for any procedures. But we don’t get any paperwork at all between the renewals of our insurance contract. No explanation of benefits, Everything is covered when we go to the hospitals that take our insurance. If there’s surgery involved, the doctors fill up the paperwork and we just bring it on the day of the operation.
Hi guys question, does the time you spend over in Spain as a digital nomad count towards time required to become a PR or Citizen? I hold dual citizenships including the Philippines and from what I understand, Filipinos are able "fast track" to Spanish citizenship. Any info would be great!
Yes time spent as Digital Nomad counts for the citizenship by residency. 😉
Slightly related but how’s the healthcare for pets? I have a dog that will be moving with me, haven’t been able to find much on healthcare/pet insurance
We didn’t have pet insurance, we paid out of pocket for our dog. But it is cheaper than in the US as well.
Hello! by any chance, do you know what medtechs/medical or clinical laboratory technologist are called in Spain?
Hello! Sorry, no we don’t.
Wow that’s so inexpensive compared to USA! Would be easy 6-10x more.
And that’s just the insurance fee! There’s also copays and deductibles that you have to pay. I don’t even understand what those terms mean.
Isn't that a problem if u can't find doctor in emergency!? What's the solution at that time!?
We go to the ER when we have an emergency.
Hi... I am from India suffering from chron's disease from past few years. Currently I am taking Mesalamine and this year I will be moving to spain for 2 years master's degree. Could you please guide me how can I get these medicines in spain and related healthcare procedure.
Thank you
Hello, you will need to see a doctor to get a prescription. If Spain doesn't have the exact medication you are using, the doctor will prescribe the equivalent or similar. If you're coming on a Student visa you may need private insurance. Check out our friends at www.innoinsure.com/visainsurance/everythingisboffo
@@EverythingIsBoffo thanks a lot
Darn!, so it is true that Spain healthcare system is way better than the U.S. I guess it’s time for us to move to Spain from San Francisco. Lol
Have never had a better experience.
@@EverythingIsBoffo They want people to subscribe to their CZcams channel first before they let you join the community group on Facebook. How stupid. Not interested in your crappy videos
pues imaginate con la seguridad social si eres español, me han puesto un marcapasos ultima generacion, me han operado de la prostata y estoy en espera para operacion de las dos caderas, cuanto hubiera pagado en EE.UU?
$$$$! Es difícil para adivinar porqué los hospitales tienen precios diferentes. Por ejemplo, para nuestro seguro en EEUU debemos pagar 40% de la factura. Me imagino $10.000-25.000 es el costo cada su cirugía. 😕
@@EverythingIsBoffo eso arruina para toda la vida el trabajo que has hecho en toda tu vida, se acaba todo, dicen que tenemos sueldo bajos en españa, pero una vida constante y segura. Un saludo.prefiro la siesta española a el sueño roto americano
@243380, me puedo relacionar contigo y te lo compartire mi experiencia hace 18 meses, tuve una cirugia de prostata la operacion se llama TUIP en California, mi aseguranza de "Kaiser" habia pagado 14K mil, mientras por mi parte habia pagado 7k mil sumamente como 21k mil en total.
@@lidefsomar5291 de las operaciones que he comentado he pagado 0€
@@lidefsomar5291 en españa habrias comprado un auto nuevo gama media
Have you actually had a consultation with doctors who can't speak English? Most of what I've read online suggests that an interpreter may be needed if you can't speak Spanish well.
Yes we have. Even in the ER and during Paul’s endoscopy, all doctors and nurses spoke entirely in Spanish. They were patient and willing to use Google translate with us.
@@EverythingIsBoffo That's awesome! I never thought doctors there would have the patience to use translation apps. I'm currently at an A2 level in Spanish, but I doubt I'll ever reach a level where I'd be comfortable talking to doctors anytime soon. Oh well, it's not like I'd be able to move there in the next 10 years, lol. But I really hope I could someday.
Take care both you. Have a great day!
@@tj_mora thank you! Maybe some day, you get to live here too!