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New Product CASER HEALTH MEDICAL

Caser Seguros have just launched a brand new private health care product that offers great cover at very competitive premiums. It is aimed at  those clients, who use the health insurance mainly for first medical opinion and the opinion of a specialist.

Health Medical is a health insurance which includes ambulatory medical care with a very lower premium.

The main covers of Caser Health Medical are:

• The same list of Doctors as Caser Health
• Emergencies, ambulance and home assistance if required
• Complementary oral and dental coverage and free Child Dental Plan included
• Medical assistance abroad to €1500
• Infant Psycology and Clinical Psycology. 20 free sessions per year
• Obstetrics and Gynaecology. Family planning treatment.
• Podiatry. 6 free sessions per year
• Benefits of complimentry services. Surgical correction of shortsightedness, longsightedness and astigmatism, and up to €300 discount in conservation of cord blood
• 24 hour, 365 days medical hotline
• Second medical opinion

To find out more click here!

During September of 2009 important changes were implemented for foreigners resident in Spain. It is therefore important to understand the effects these changes have on us all.

Spain has a public health system making health care free or low cost provided that you are paying social security here or are in receipt of a UK state pension. As with many other countries, however, the public health service has waiting lists to see specialists and for non-urgent operations.

How the system will work for you

As a contribution based economy Spain will provide free medical treatment to British nationals whilst on holiday. However when you take up residence you have to pay the Spanish National Insurance, currently €260 per month.

If you are in receipt of a British pension you are entitled to free care, as Spain is part of the EU, BUT as from September 2009, any foreigner who is not in one of the above mentioned categories will not receive free medical assistance.

Getting tougher on who can use their health system

It was recently reported that because Spain cannot afford to look after it’s own people under the system, they have decided to STOP ALL treatment to foreigners. If you don’t contribute, you don’t get the benefits.

The E111 is ONLY for use whilst on holiday and new systems in operation from September will ensure that this is the case! The EHIC/E111 allows reciprocal emergency health care during temporary visits to other EU countries. Strictly speaking it is not a permanent entitlement nor a full entitlement to all treatments available under each nations state health care systems.

Why have private health insurance Spain?

If you do not qualify for public health care then it is essential that you have private health insurance. No insurance will mean no treatment. Everyone hopes they will never need to use any kind of health professional, however accidents and emergencies do happen. For that reason alone, not to mention pure peace of mind, it’s worth investigating you’re options.

Even if you are under the public health care system it is still advisable to have private health insurance as well in order to skip the waiting lists and receive treatment quickly, when needed.

You can find out more about health insurance Spain by clicking here.