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Getting Health Insurance in Spain -MAPFRE Clinic Tour
To get a Spanish Residency as a foreigner, you need to get Health Insurance for yourself and your family- to show that you won’t be a burden to the state.
We contacted several health insurance companies in Spain. The biggest ones are Sanitas, Mapfre and Adeslas.
We signed a contract for 10 months for about $200/month for a family of 4. Babies are the most expensive to cover. Our 3-year old ended up being covered for 1/3 of the price of our baby.
For the Spanish residency, you need a health insurance with NO copay/deductible/etc. They also provide a certificate in which they explain immigration that you are covered.
We decided to get Mapfre because they have private clinics all over Spain, you can see tour of the clinic in my video. The building in Barcelona has about 2-3 floors and most specialties- general doctor, podiatry, pediatrician, a tennis clinic, etc.
There are cheaper options for $55/month for a family of 4, through Adeslas.
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Does it make sense for you?
For some people it makes financial sense. Others it doesn’t.
How willing are you to take risks? How much if peace of mind worth for you?
If your potential loss is a few hundred dollars in airfare, travel insurance is probably not worth the cost or aggravation. On the other hand, a once-in-a-lifetime $20,000 vacation is worth protecting.
Types of Travel Insurance:
Trip cancellation: Refund if you cancel due to a covered reason. CORONAVIRUS TYPICALLY ISN’T ONE.
Trip interruption: Refund for the rest of your trip if you have to return home
Trip delay: Refund for expenses due to a delay. Usually has to be 6 to 12 hours.
Medical: Emergency medical expenses on the trip. Optional: Medical Transport
Death/Dismemberment:
Baggage: Lost, Stolen, Damaged, Delay
Rental Car
Change Fees
=== Less common types:
Political evacuation: Transport to the nearest safe place
Comprehensive insurance” covers all of the above (plus expenses incurred if your trip is delayed, if you miss your flight, or if your tour company changes your itinerary).
Reimbursement only — you pay first… then submit some paperwork to get your money back.
Travel alot? Look in to Annual policies
Issues When Relocating to Spain
In today’s video I will share my personal challenges I faced moving to Valencia, Spain. Prepare yourself for the endless Spanish bureaucracy. Get all your documents in order and make extra copies of everything. It will help you a lot if you learn some Spanish especially necessary to communicate at all administrations, government institutions and medical centers. Also very helpful if you get a local number. You would need to call real estate agents, offices etc. It is very challenging to rent an apartment as a foreigner in Spain, but not impossible. You would need to pre pay a few months of rent as landlords are scared of shady tenants (the law is on the side of the tenant). To open a Bank Account you need your passport, NIE, taxes and health insurance. Getting a health insurance in Spain is not very difficult. As for the taxes make sure you consult with an accountant as after 183 days of stay foreigners are suppose to pay taxes as well.
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Videos from Spain:
My Story from LA to SPAIN: https://youtu.be/FAq1Wpz6cUs
Is It Time To Leave the USA: https://youtu.be/evQHzzFRFoU
TIME STAMPS
00:36 Intro
00:37 Language
01:34 Translation App
01:48 Communicating in Spain
02:45 Renting an Apartment in Spain
05:13 How to open a Bank Account in Spain
06:59 Get a Local Number
07:20 NIE
08:32 Health Insurance in Spain
09:03 Taxes
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