In Spain, there are numerous insurance companies to choose from for medical insurance. There are 3 choices of which TYPE of cover however; these are outlined below
It is imperative that you use a broker who knows all the pitfalls and small print in each policy. We have specialised in this area for over 25 years in Spain so can guide you through the process.
OPTION 1: CO-PAYMENT (INCLUDING AN EXCESS)
Co-payment is where the insured person pays towards the consultation or medical operation. This is usually not a sensible option since a 5 day stay in hospital can cost 600 euros +, not to mention a charge for every time you visit the doctor for a consultation. It worth thinking about this option if you have never had a operation and just want medical insurance for a back up for the worst case scenario.
OPTION 2: FULL COVER WITH NO CO-PAYMENT (NO EXCESS)
This cover is national coverage and you will be entitled to use 100% of private hospitals in Spain. The difference from co payment cover is there is NO EXCESS, meaning you never pay towards any service, it is 100% free. There is also a standard cover abroad for emergencies. This is usually 12000 euros of cover internationally. We always advise clients to take out a travel insurance to supplement the national cover, meaning you a 100% covered in Spain and 100% covered abroad (the holiday abroad must be not longer than 45 days).
OPTION 3: INTERNATIONAL COVERAGE
International cover is a complex product and there is a lot of insurers offering very different options. International policies include 100% cover with no excess in Spain. Cover outside of Spain will then either have no excess, but in most cases a 10% or 20% excess will be applied. This means the insurance company will cover the majority of the bill and you will have to pay the excess. Having no excess will make the premium more expensive.
Margaret Hegarty Marbella and Dublin
People from every corner of the globe who come to settle in the Costa del Sol will need Insurance protection.
They should visit the Bsure team at their office where they will be offered Insurance knowledge and advise in an open, welcoming and professional manner. I would recommend Bsure Brokers without reservation. I have been with them for the past 20 years without a problem.
Ever since the turn of the Millennium we have done all our Insurances through Bloomfield's. This has formed a solid rock of security in our lives on the Costa del Sol.
Margaret & Chris W., Calahonda
My wife and I have been with Bsure Insurance Brokers since their inception over 25 years ago. We utilise a range of services including Home, Car, Medical and Travel and have always received rapid assistance and first class service whenever needed. David Bloomfield is a very helpful, and entirely professional, a qualified broker who has always managed to provide us with quality cover upon request, and is highly recommended.
Bsure have taken care of all my insurances for the past 12 years. During this time I have found them truly professional, independent and responsive. I have always felt they have been acting in my best interests when it came to advice and help.
Bsure Insurance has been looking after all my family’s insurance needs for nearly 30 years now and we can thoroughly recommend them. Not only do Phillip and son David provide excellent service but also great advice based on their years of local knowledge and experience. Bsure offer very competitive insurance products and I consider our Medifiatc Private Health policy one of the best available in Spain. We even have the dog insured through them!
We have used Bsure for all our insurance policies - car, household and Private Medical for many years. They have proved to be competitively priced and always respond promptly when we have needed help.
Bsure Insurance Brokers have taken care of our insurance needs for several years now.
We have had excellent service and you will be in good hands with this family run business.
Lynette Awcock (President Milenio)
Philip and David Bloomfield and the rest of the staff run this Family business. Bsure Insurance Brokers have been a delight to deal with in the 10 years I have been a client. They have secured on a personal level good rates for my health, car, and home contents Insurance.
Bsure have gone over and above the call of duty when the need has arisen to submit claims, and have dealt with my personal issues in an extremely efficient, polite and prompt manner.
As a result of Bsures dedication to its clients I entrusted them to negotiate and secure the Community of Milenio, Riviera Del Sol, its buildings Insurance the past 6 years. I would whole heartily recommend BSURE as your entrusted, faithful Insurance Broker.
Adam & Angela
We were recommended Bsure by friends when we moved to Spain in 2004, and have used them for private health, car and home insurance, and also travel insurance ever
Since. Competitive prices and good service, would recommend them,& have done so to everybody.
Jeremy J. Byrne, Marbella, and Dublin
I have been a customer of Bsure insurance company for the last fifteen years. I have trusted them with all my insurance such as travel, motor, house, public liability and in all those years they never let me down. They are efficient helpful well organised company who are always at your disposal. I cannot but highly recommend Bsure to anyone requiring there services.
Roy and Karin Cooke
My wife and I have been living on the Costa del Sol since 2006. We love our adopted country and are very grateful for all it offers for a healthy and a happy retirement. Settling-in takes time. One factor underpinning the feeling of security is insurance covering health, home and car. After a number of expensive and unsettling experiences we came across Bsure Insurance Brokers - a business run by the Bloomfield family.
All our policies now come under their umbrella underwritten by reputable international Insurance companies. Friendly and efficient, Bsure have provided the insurance covers we sought with the best cost-benefits and, most important, excellent customer service.
Thank you Bsure Insurance Brokers
Sally and Ben Nemenyi
Ben and I would like to thank you for all your kind assistance over the 12 years with all our insurance policies, home, travel, medical, and vehicle, of which there were 10 at last count! We are happy we have entrusted our business to you and for the prompt, friendly and efficient way our matters have been dealt with. Nothing is ever too much trouble for you. Wishing you continued success with your business and we look forward to working with you for many years to come.
Saad & Jenny Kaka
BSure have been our Insurance Brokers for the last 10 years - having been recommended
by a person who had been using their services for 18 years. The comfort of knowing that when you become a client of this personally run family business - any questions or problem big or small is always addressed in a friendly - efficient professional manner. Living abroad and needing to know your insurance affairs are in good hands is very reassuring. We highly recommend them to anyone who needs to have peace of mind for any insurance requirements.
It’s rare for any company to address all of my requirements, but that’s exactly what Bsure Insurance consistently do. Their service is always friendly, professional and efficient, David and Philip are very knowledgeable about the products on offer. What’s more, their quotes are competitive, which is why I have my car and home contents insured with them. David and his team have never let me down – I doubt you’ll be disappointed if you try them too!
Fermin. Marbella, Malaga.
My experience with Bloomfield Insurance has been very positive. When I first contacted them for a medical policy, they answered with a customised service and very competitive price. Now I have over seven policies with them. I appreciate the strong client relationship they offer, and their continuous involvement in satisfying the client.
I met Phil Bloomfield some 10 years ago when I moved to Spain. He first organised my car insurance, brilliant service. When I asked about Medical Insurance cover he recommended Medifiatc.I was on cover the very next day. Within a month I saw a specialist about my back and I had an op and Medfiatc covered the cost of everything. More recently, I saw a specialist cardiologist who put me into hospital the very next day for an op to fit a Pacemaker. Compliments of Medifiatc. Everything that Phil said was true but more so, I would say they are Brilliant.