Health & Medical Insurance

Why private health insurance in Spain? Overall, the Spanish National Health Service is probably better than that available in the U.K, but has certainly come under mounting pressure in recent years due to the high level of immigration, now coupled with the volatile changes after Brexit and COVID.  Unlike the UK fortunately Spain embraces and encourages private health insurance, as this helps to alleviate the already busy health service which  results in less pressure on waiting lists.

At a time when speed of diagnosis and treatment is so vital, Private Health care enables clients to access procedures instantly. This speed, particularly now, is no longer available on the state system due to COVID and the increasing financial pressures being placed on health authorities by Central government.

The language barrier can be a problem for many patients, and considerations such as privacy and family support can be an added burden in an already stressful situation, and of course, private hospitals not only have many staff speaking English, but not so much pressure is placed on the family support.

Jennifer Cunningham Insurances has a bilingual administrator based in our Head Office who works solely for the benefit of all of our ASSSA clients, along with all my staff in the offices.  We dedicate ourselves to a complete after sales service with continuing customer support: our relationship with our clients does not end with the setting up of the healthcare plan, it begins!

The advantages of ASSSA

  • Cover from day one, except those services subject to qualifying periods.
  • Preventive medicine, annual well woman/well man check ups.
  • Emergency national and international travel cover. Up to 15000 Euros per condition with repatriation to Spain included.
  • Policy documents available in several languages.
  • Only one year indisputability period (this clause is standard in Spain all with varying lengths of times and conditions).
  • Immediate access to GP and Emergency treatment from day one.
  • Special payment terms and life time discounts available.
  • 50% reduction on premiums for children when both parents join ASSSA.

With Brexit now in place, the rules regarding Residencia/TIE are changing.  Contact one of my offices for up to date information, however the existing rules below still apply and there are additional requirements for applications now.

  1. That you are an English Pensioner having transferred your health cover to Spain
  2. That you pay into the Spanish Health System via a contract or are self employed.
  3. That you can prove that you have Private Health Care, with the required certificate.

Health Medical Insurance Spain
Health Insurance Costa Blanca

Why choose ASSSA for your private medical & healthcare in Spain?

Asssa Insurance Costa Blanca - Logo

It is a sad fact but some salespeople claim their schemes include all kinds of benefits when this is not the case, so do understand that verbal assurances have no meaning unless confirmed in writing by the provider company: it is therefore critically important to check very carefully that the cover you think you have is fully-described and set out within the Policy Document, and in your own language.

There are three vital benefits that ASSSA provides for its clients in comparison to other private healthcare companies:

1. Guaranteed for life.

This means that from the day you join ASSSA, you are guaranteed that the policy will never be cancelled due to critical illness, chronic conditions or age. This is a unique benefit and is written into the policy document, thus taking precedence in Spanish law over any verbal assurance that might be given by another company’s representative.

2. The age you join is the age you stay.

Most health companies increase premiums as you become older. ASSSA guarantee there will be no age related increases for the life time of your policy.

ASSSA have the most comprehensive list of medical professionals and have extended their coverage to include Alicante, Valencia, Madrid, Barcelona, Girona, Albecete, Las Palmas, Malaga, Murcia, Tenerife and Almeria with many of the doctors bilingual. If you do not find your area, please call one of the offices as ASSSA are continually expending their area of service.

3. Primary care.

ASSSA’s cover of the costs of G.P’s, consultants, diagnostics, scans etc is very generous compared with other companies, and remember there is no question of having to pay yourself and reclaim later. Their aim, and indeed ours, is to find you the medical care you need, when you need it, where possible in your own language and promptly.

Contact our Head Office for any queries and questions on 966 461 690 or