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Health cover in Spain
So you’re moving to Spain, and you’ve
found your dream Spanish property. But what about living in
Spain? One thing is certain – you will need to have health cover
in one form or another.
E121 and E106
If you are of pensionable age you should
obtain a form E121 from the DHSS. Having obtained a residence
permit this entitles you to obtain a health card and receive
permanent state health care without the need to renew.
An E121 can also be applied for if you
are unfit for work and claim incapacity benefit. If you are
taking early retirement or seeking employment you can apply for
a form E106. This can only be obtained if you have worked and
paid taxes in the UK for the previous three years. It is valid
for two years and cannot be extended. After this time it is
assumed you have either reached retirement age or found work and
are therefore covered by Spanish social security system.
Dependants of a holder of either an E121 or E106 can be added to
their cover.
BUPA
After two years you will be expected to
take out private medical insurance if you are not covered by the
Spanish state system. Further details and prices for private
medical insurance in Spain can be found at: BUPA affiliate
www.sanitas.es
and
www.exeterfriendly.co.uk.
David Harris is a local health insurance broker and can be
contacted at:
www.e-agentelocaldeseguros.com
Holidaymakers, or those with a holiday
home in Spain, should obtain an E111 form which is valid for one
year and renewable for a further year. This entitles you to
routine emergency medical treatment. After this period you will be
considered to be living in Spain and expected to either apply
for an E106 or E121, as appropriate,
take out private health insurance, or join the Spanish
social security system.
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For more information on Valencia and our range of property
go to:
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