Health Planning<br />INTRODUCTION<br />Who are ASSSA?<br />What you may expect from the Spanish National<br />Health System.<br />Questions to ask of the various private health plans<br />available.<br />Details of the ASSSA Health Plan.<br />
Health Planning<br />WHO ARE ASSSA?<br /><ul><li>ASSSA were founded in Madrid 75 years ago. (1935)
Set up by a group of Doctors to provide health care for a small cost to families who had no other access to it.
They continued to provide health care for people during the Franco years.
1990’s expanded to the Costas Blanca & Calida: now operational in Costa Almeria, Brava & Costa del Sol in line with 2010 targets
Fully legal to operate in Spain. (DGS Registered)
One of the largest EXPAT providers of health and funeral insurance in Spain.
Many Spanish families trust their health and funeral planning to ASSSA.
Have had health & funeral plan options for everyone since they started.</li></li></ul><li>Health Planning<br />A PRACTICAL GUIDETO EX-PAT HEALTH CARE IN SPAIN<br />If you reside permanently in Spain & receive a UK pension, you are entitled to be treated under the Spanish state run health scheme. You will need to obtain form E121 from the International Pensions Centre in Newcastle. This form, together with your Residencia & Padron, should be exchanged at your local Spanish Social Security Office (INSS) for a Tarjeta de Afiliation.<br />This paper card can be taken to your health centre for registration with a GP. On registration, you will be issued with a SIP card.<br />
Health Planning<br />WHAT IF I AM UNDERPENSIONABLE AGE?<br />New legislation in the region of Valencia only, states that you may pay 270€ per quarter aged less than 65 (330€ if over 65) to “buy into” the Spanish State system – a distinct benefit if you already have a progressive illness.<br />For those in current good health, Private Healthcare can be less expensive and provide valuable additional benefits.<br />
Health Planning<br />ANYTHING ELSE…?<br />Yes, form E121 may also be issued to persons in receipt of UK long term disability benefit.<br />Form E106 is issued for cover for up to 2 years on arrival in Spain and for those who are on temporary work transfer from the UK to Spain.<br />The UK issued EHIC (formerly E111) will no longer be accepted for use in Spain once you have moved here permanently – it is for emergency treatment on holiday visits to Spain only – you may be asked to repay the cost of inappropriate use.<br />Since 1st April 2008, British Nationals residing in Spain must present the Spanish equivalent of the EHIC (Tarjeta Sanitaria Europea) when seeking emergency medical treatment while on holiday in the UK. If this card is not presented, you may be charged in the UK for treatment. <br />If you work in Spain (employed or self employed) and pay Spanish NI contributions, <br /> you therefore fully qualify for a SIP card and treatment within the Spanish <br /> healthcare system.<br />
Health Planning<br />PLANNED TREATMENT<br />If you reside in Spain & wish to visit the UK to obtain planned treatment for an existing condition, you should obtain form E112 from the Spanish authorities. Advise the hospital of your choice that you wish to use form E112. Produce it at the UK hospital where treatment is scheduled or you will be charged for treatment as an overseas visitor.<br />RETURNING TO THE UK<br />If you wish to return to live permanently in the UK, you must de-register with the Spanish authorities and re-register with a GP in the UK to re-enter the NHS system.<br />
Health Planning<br />So here you are in Spain…<br />WHAT CAN YOU EXPECT FROM THE SPANISH NATIONAL HEALTH SYSTEM<br />
Health Planning<br />YES– once registered with the Spanish authorities, you are entitled to the same medical cover in Spain as a Spanish National.<br />NO– you cannot expect this cover to be the same as you received in your country of origin. You may still have to pay for some treatments & services. There ARE waiting lists of varying lengths…immediate family will be expected to provide in-patient bedside care. Language barriers may cause a problem … translator services may be required.<br />YES!!<br />Spain still boasts some of the best<br />healthcare facilities in the world!!<br />
Health Planning<br />WHY CONSIDER PRIVATEHEALTH CARE?<br />You may qualify for Spanish national health cover through working or retiring here but find that the waiting lists and language barriers are unacceptable.<br />You may also find that private healthcare is better value for money.<br />
Health Planning<br />ARE THEREALTERNATIVES?<br /><ul><li>As already discussed – Voluntary contribution to the Spanish National Health (in Valencia) costing 270€ or 330€ per quarter. This may prove to be more expensive than a private insurance. Unlike the private sector, queuing and language barriers will still apply but this option can be more beneficial for those with pre-existing medical conditions.
You may pay from personal savings or investments as illness strikes, taking a chance that you will not have a major accident or illness. (we call this ‘Russian Roulette’.)
OR… Take out a Private Health Insurance – a planned & affordable annual premium providing a chosen level of care whenever and wherever you need it.
BUT take care… o not take the cheapest available… heck the level of cover provided…</li></ul>IT’S VERY TRUE THAT YOU GETWATH YOU PAY FOR!!<br />
Health Planning<br />SOME QUESTIONS TO ASK<br /><ul><li>What level of cover is expected for your money??.
WHERE do you expect cover to be available? (Spain..worldwide..)
Do you consider the annual premium to be good value for money, given average cost of services within the scope of the plan?
Will the annual premium stay the same as you grow older? (with the exception of inflation or government tax increases)
International clinics in Alicante & Murcia provinces.
Unlimited consultations & diagnostics with specialists.
Surgical & medical in-patient hospitalisation – private room with bed for companion.
Out Patient Care, Ambulance, Intensive Care, Specialist Treatments, Preventative Medicine, Maternity Care, Emergency National & International Cover, Dental Facilities.</li></li></ul><li>Health Planning<br />KEY FEATURES<br /><ul><li>Simple & fast ASSSA administration where authorisation for planned treatments is required.
Chronic illness cover after one year, if newly diagnosed.
Free choice of local GP’s Specialists & Hospitals within the ASSSA medical scheme.
GUARANTEED COVER FOR LIFE – we won’t cancel policy due to age or claim history.
Policy documents available in several languages.
Choice of cover levels – several levels to suit your needs.
Hazardous sports cover ( not for professionals or organised events).
Vast ASSSA local office network committed to serving your needs.</li></li></ul><li>YEARLY NETPREMIUMS 2010<br />Health Planning<br />* No other outlay other than 1.80€ vouchers per consultation <br />We have several policies & plans from basic to comprehensive from as little as 39€ per month. The above examples are the most popular within our range.<br />
Health Planning<br />ASSSA LIFETIME OFFERS AVAILABLE TO 30/06/2010<br /><ul><li>10% - 30% health policy discount.
50% discount for children (under 16)</li></ul> when both parents take a policy.<br /><ul><li>FRACTIONAL PAYMENT</li></ul> of your annual premium FREE<br /> of the normal additional surcharges.<br />
Health Planning<br />COMPARE, IF YOU THINKTHESE ARE EXPENSIVE…?<br /><ul><li>First look at the cost of other health plans.
Health Planning<br />WHICH BILL WOULDYOU RATHER FACE?<br />An unexpected bill for three or four weeks hospitalisation of 7 to 10 thousand Euros…MAYBE MORE, depending on the seriousness and extent of the diagnosis and length of hospitalisation.<br />…WITHOUT WARNING!!<br />Or a regular, planned, annual premium for health insurance from as little as 625€ per year.<br />WITH COMPLETE COVER<br />& PEACE OF MIND!!<br />
Health Planning<br />…BUT YOU’LL NEVER BE ILL?<br />WHY NOT?<br /><ul><li>You are not as young as you used to be
You THINK you have a healthier life style - but do you?
Still smoking, Drinking more, Money problems - STRESS?
Have you noticed yourself slowing down lately?
Has your cholesterol been border-line or raised?
Osteoporosis, diabetes, heart disease - hereditary?</li></ul>THEN YOU MAY ALREADY BE CLOSER TO A LARGE HOSPITAL BILL THAN YOU THINK, THIS IS A SIMPLEFACT OF GEOWING OLDER!!<br />
Health Planning<br />… YOU WILL JUST GO BACK HOME?<br /><ul><li>Most National Schemes are residency based systems. If you live permanently in Spain, you will be required to have returned home for a qualifying period before acceptance back into the system – you will need to supply proof of residence. (Utility bills…etc).
You may need URGENT treatment. You may not be allowed to travel home on public services if chronically sick. You may also not be able to get travel insurance. (See the local press weekly – SIP card terminations).</li></li></ul><li>Health Planning<br />A LITTLE REMINDER…<br /><ul><li>It is normal practice for ALL private health insurance NOT to provide cover for pre-existing medical conditions if they are chronic, ongoing illnesses – EXCEPT FOR EMERGENCIES, when cover is always in place. (Any pre-existing conditions will be discussed with you before joining.) If the condition is curable, there may simply be a waiting period before obtaining full cover.
Therefore, the time to join a health insurance plan is while healthy.
HOWEVER, IF WISHING TO TRANSFER TO ASSSA FROM ANOTHER INSURER, WE MAY ACCEPT THE PRE-EXISTING CONDITIONS THAT THEY ALREADY COVER and/or waive our waiting periods - or our indisputability period + give a month free cover.</li></li></ul><li>Health Planning<br />ALL ASSSA HEALTH INSURANCESALSO PROVIDE THE FOLLOWINGSERVICES<br /><ul><li>Emergency treatment outside the home province.
Emergency travel cover worldwide at 10,000€ per condition including repatriation back to Spain for ongoing treatment.
Annual dental check & clean included in every policy.</li></ul>SIMPLY CALL TO ADVICE US, OR REQUESTAUTHORISATION FIRST<br />
Health Planning<br />ANY DISADVANTAGE?<br />It depends what you are looking for<br />An unexpected bill for three or four weeks hospitalisation of 7 to 10 thousand Euros…MAYBE MORE, depending on the seriousness and extent of the diagnosis and length of hospitalisation. <br />
Health Planning<br />MAIN ADVANTAGES<br /><ul><li>The ONLY Spanish policy to GUARANTEE IN WRITING, COVER FOR LIFE on continual payment of premiums – FROM DAY 1.
NO PREMIUM INCREASES other than inflation & government taxes DUE TO AGE.
ESTABLISHED FOR 75 YEARS with excellent administrative and support services.
ANNUAL PREMIUMS PAID IN EUROS STAGED PAYMENTS ARE AVAILABLE.</li></li></ul><li>Health Planning<br />CONCLUSION<br />During the presentation we have looked at:<br /><ul><li>A short history of ASSSA.
What you may expect from the Spanish National health system.
Questions to ask when comparing private health insurances (…if it’s not written, don’t believe it - the written word is law in Spain).
Details of our ASSSA Health Plans.t</li></li></ul><li>Health Planning<br />OTHER ASSSA PRODUCTS<br /><ul><li>Accident Insurance for Professionals (premiums based on job risk level).
Funeral Insurance (e.g. around 200€ per year aged 60).
Road Traffic Accident Insurance (Standard with all health policies, 36€ per year).</li></li></ul><li>Health Planning<br />QUESTIONS?<br /><ul><li>PLEASE ASK US QUESTIONS product brochures are available for you. We prefer you to make an informed decision based on which services are best for you & your family’s personal circumstances!
Our products & experience speak for themselves, no ‘hard sell’ necessary! We have offices along the Costa Blanca & Cálida. Ask us for contact details or call in and see us!!</li></ul>THANK YOU FOR YOUR ATTENTION!!<br />
Funeral Planning<br />FUNERAL PLANNING<br />THE INPORTANCE OF FUNERAL PLANNING IN SPAIN<br />
Funeral Planning<br />INTRODUCTION<br />This presentation will give you:<br />General information about the procedures when a death occurs in Spain.<br />Information about the various funeral plans available in Spain.<br />Detail the advantages and disadvantages of each of the plans.<br />Details about the ASSSA Funeral Plan.<br />
Funeral Planning<br />WHAT HAPPENS WHEN SOMEBODY DIES AT HOME IN SPAIN<br /><ul><li>The Guardia Civil or Policia Local have to attend a death home in Spain.
Call 112 and request both the Police and Ambulance Service.</li></ul> A doctor will normally attend with the ambulance.<br /><ul><li>You will need the telephone number of the local Tanatorio as you are left to contact them yourself.</li></li></ul><li>Funeral Planning<br />WHAT HAPPENS NEXT<br /><ul><li>The local Tanatorio will arrange to collect the body.
Attendance will be required at the Tanatorio to make all the arrangements for the Funeral, normally within 24 hours.
You will be asked if you have your own Priest or Vical to conduct the service, if not one will be found for you.
You will also be asked to decide on flowers, cars & music.</li></li></ul><li>Funeral Planning<br />...WHAT HAPPENS NEXT<br /><ul><li>You must decide the date of the service. (Extra mortuary fees are payable for every day over 1 day).
You must order all of the relevant paperwork, e.g. both Spanish & English death certificates & export documents if wishing to take your loved one’s ashes home.
The cost will be calculated and payment is requested before the service takes place. (This may cause problems if a joint bank account is frozen).</li></ul> …all this while still in the early stages of grief…<br />
Funeral Planning<br />TO MAKE ALL OF THIS EASIER, AT WHAT WILL BE ONE OF THE HARDEST TIMES IN YOUR LIVES, WHAT NOT CONSIDER TAKING OUT A FUNERAL PLAN.<br />
Funeral Planning<br />WHAT IS AVAILABLE IN SPAIN?<br />There are two basic types of plan available:<br /><ul><li>PAY THE FULL COST OF THE FUNERAL IN ADVANCE OR BY STAGED PAYMENTS (interest added).
OR TAKE AN INSURANCE POLICY PAYING A SMALL ANNUAL PREMIUM WITH A SPECIALIST COMPANY LIKE ASSSA.</li></li></ul><li>Funeral Planning<br />PRE-PAID DISADVANTAGES<br /><ul><li>These normally need to be paid in Sterling.
These companies are mainly U.K. based with only agents in Spain.
The cost in one go or through “easy payments” is quite large and eats into capital.
Not many people have the cash available to pay a large amount in one go.
The everage cost of these plans depending on what is chosen WAS£2800 per person (2007) to buy a 4,000€ funeral. (lately, Sterling & the Euro are closer in value).
The client is getting no interest on capital invested …the company are getting it instead…</li></li></ul><li>
Funeral Planning<br />…WHO ARE ASSSA?<br /><ul><li>ASSSA is one of the largest providers of health and funeral insurance in Spain.
Many Spanish families trust their health and funeral planning to ASSSA.
Have had a funeral plan option for everyone since they started.</li></li></ul><li>Funeral Planning<br />WHY BUY A FUNERALPLAN FROM ASSSA?<br />Advantages<br /><ul><li>ASSSA have someone to handle all the arrangements for the client after just one phone call.
There is no single large payment - one small annual premium.
There is no medical check before joining - just a couple of general health questions.
75 years experience with reputable, local funeral directors.</li></li></ul><li>Funeral Planning<br />WHY BUY A FUNERAL PLAN FROM ASSSA? - Advantages<br /><ul><li>The premium is paid in Euros.
The premium only increases when the Government increase the overall cost of funerals in Spain.
You can join the scheme up to the age of 74 but as long as your payments continue you are covered whatever age you are lucky enough to reach.
You are covered immediately for accidental death and after 20 days for death by natural causes.
Your plan will never be cancelled. (While premiums paid)</li></li></ul><li>Funeral Planning<br />WHY BUY A FUNERAL PLAN FROM ASSSA? - Advantages<br /><ul><li>ASSSA is a wholly Spanish company.
We work closely with the Tanatorios and have done for many years.
If you die elsewhere in the world you have the option to be brought back to Spain for your funeral.
Or - the plan offers a cash</li></ul> payment towards a funeral in<br /> the country in which you die.<br />
Funeral Planning<br />WHY BUY A FUNERAL PLAN FROM ASSSA? - Advantages<br /><ul><li>There are three levels of plan offering the flexibility to choose exactly what you want.
You get to keep your capital - to leave to your heirs.
If capital of 8,000€ is invested (the average cost in Spain of funerals for a couple) the</li></ul> annual interest earned on the<br /> investment might well cover the cost<br /> of the annual ASSSA premium.<br />
Funeral Planning<br />COST FOR COUPLE MALEAGED 65, FEMALE AGED 60 BUYING GOLD FUNERAL PLAN<br /><ul><li>Annual premium for male 307.99€
Annual premium for for female 244.95€</li></ul>Total payable: 552,94€<br /><ul><li>Interest on investment at 5% 408.24€</li></ul>Total payment from own funds 144.70€ p.a.<br />Note: Cost of our Silver Plan may be covered entirely by interest on savings.<br />
Funeral Planning<br />VISUAL REPRESENTATIONOF HOW YOUR INVESTMENTCAN OFFSET YOUR COSTS<br />-<br />=<br />Annual ASSSA Premium<br />Interest in Your Saving<br />Your extra Payment<br />
Funeral Planning<br />CONCLUSION<br />During the presentation we have looked at:<br /><ul><li>What happens when someone dies at home in Spain.
Investing capital and the difference it can make for you & your heirs.</li></li></ul><li>Funeral Planning<br />OFFERS FOR YOUR GROUP<br />Courtesy of worldwide broker financial services<br />5% value of ALL policy premiums (yr.1) will be paid to your club - for your club funds, or to donate to a charity of your choice.<br />Courtesy of ASSSA healthcare celebrating our 75th anniversary<br />Personal discount of 10 - 30% on health policies 50% discount - children, with both parents joining Fractional premium payments free of surcharges.<br />