When I sign the application for, what am I commiting to?
Can I change my mind after I have joined?
If I explain my pre-existing conditions over the telephone, will you tell me if I will be covered?
Can I change my level of cover or change to a different plan at a later date?
Would I be covered for treatment in a country outside my country of residence?
What should I do if I need to make a claim?
Can I choose which hospital in Spain I wish to have my treatment?
Can't find the answer you are looking for? Call us now on 968 429 129 or complete the quick submit form HERE |
| When I sign the application form, what am I commiting my self to? |
| By signing the application form, you are agreeing that the information you have given on the form is true, accurate and complete, and agreeing to the policy rules. |
| Can I change my mind after I have joined? |
| Yes. If you are not entirely satisfied with the terms of your policy with the extent of the benifits provided, you may cancel your cover. You will have 14 days after we confirm your cover to you, or 14 days after the start date of your policy if later, to review your policy documents. If, during this period you decide to change your mind, you will recieve a full refund of any premiums you have paid, providing that you have not made a claim. |
| Will you cover my pre-existing medical condition? |
| We will cover any eligible medical conditions that occur after you join immediately, but symtoms, diseases, illness or injuries that you have suffered from in the past will be taken into consideration and we may exclude these from cover. It is important that you advise us on the application form as fully as possible of the medical history of everyone to be included on your policy. If in doubt, please include the information - it is better to be safe than sorry . |
| If I explain my pre-existing medical conditions over the telephone, will you tell me if I will be covered? |
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As everyone may react to ilnnesses and treatments in different ways, it is nnot possible for us to make any judgement over the phone. The only was for us to decide on specific terms of you cover is to complete the application form in full. |
| What won't my poIicy cover? |
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As with most medical insurers, there are some things that we are unable to cover. These include: Chronic conditions such as diabetes, asthma and multiple sclerosis (Although we do not consider cancer to be a chronic condition)
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| When does my cover end? |
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Your contract will run initially for a year from the date you first joined. You can generally expect to be able to renew it year after year as long as the plan is still being offered. |
| Can I change my level of cover or change to a different plan at a later date? |
| Any changes you wish to make to your cover can only be made with effect from your renewal date unless you move to a country outside the EEA, when you would need to transfer, upon moving, to a scheme that provides cover and benifits in your new country of residence. However if you do decided to increase your benifits or reduce your excess, you may have limitations place on benefits. |
| Would I be covered for treatment out side of Spain? |
| Yes. Following the approval of your claim by u, benifits of treatment are available for treatment in any country in the European Economic Area (EEA) i.e. Austria, Belgium, Cyprus, Bulgaria, Czech Republic, Denamark, Estonia, Finland, France, United Kingdom etc. |
| What should I do if I need to make a claim? |
| The first thing you should do is contact us our Murcia office on 968 429 129. We will then process the claim on your behalf. |
| Can I choose which hospital in Spain I wish to have my treatment? |
| Yes. Unlike many medical insurance plans, we hold no restrictions as to which hospital you can use, meaning that you have the freedom to be treated in the hospital most convient to you (within the terms of your plans). |
| How will my claim be paid? |
| Benifits are paid in euros and are usually paid directly to the hospital or specialist who treated you. Some specialists or hospitals may request payment prior to treatment. Where this is the case, you will need to pay for your own treatment and send the receipted invoices to us. Wherever possible you will be reimburses by cheque directly to you or to the bank account from which we collect your premium, providing the charges are eligible, reasonable and customary for the treatment recieved, not subject to any excess and you have benifit available. |