ASSSA SLIDE PRESENTATION FOR HEALTH INSURANCES.

1. A presentationon behalf of ASSSA

2. Health Planning INTRODUCTION Who are ASSSA? What you may expect from the Spanish National Health System. Questions to ask of the various private health plans available. Details of the ASSSA Health Plan.

4. Set up by a group of Doctors to provide health care for a small cost to families who had no other access to it.

5. They continued to provide health care for people during the Franco years.

6. 1990’s expanded to the Costas Blanca & Calida: now operational in Costa Almeria, Brava & Costa del Sol in line with 2010 targets

7. Fully legal to operate in Spain. (DGS Registered)

8. One of the largest EXPAT providers of health and funeral insurance in Spain.

9. Many Spanish families trust their health and funeral planning to ASSSA.

11. Health Planning WHAT IF I AM UNDERPENSIONABLE AGE? 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. For those in current good health, Private Healthcare can be less expensive and provide valuable additional benefits.

12. Health Planning ANYTHING ELSE…? Yes, form E121 may also be issued to persons in receipt of UK long term disability benefit. 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. 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. 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. If you work in Spain (employed or self employed) and pay Spanish NI contributions, you therefore fully qualify for a SIP card and treatment within the Spanish healthcare system.

13. Health Planning PLANNED TREATMENT 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. RETURNING TO THE UK 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.

14. Health Planning So here you are in Spain… WHAT CAN YOU EXPECT FROM THE SPANISH NATIONAL HEALTH SYSTEM

15. Health Planning YES– once registered with the Spanish authorities, you are entitled to the same medical cover in Spain as a Spanish National. 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. YES!! Spain still boasts some of the best healthcare facilities in the world!!

16. Health Planning WHY CONSIDER PRIVATEHEALTH CARE? You may qualify for Spanish national health cover through working or retiring here but find that the waiting lists and language barriers are unacceptable. You may also find that private healthcare is better value for money.

18. 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’.)

19. OR… Take out a Private Health Insurance – a planned & affordable annual premium providing a chosen level of care whenever and wherever you need it.

20. BUT take care… o not take the cheapest available… heck the level of cover provided…IT’S VERY TRUE THAT YOU GETWATH YOU PAY FOR!!

22. WHERE do you expect cover to be available? (Spain..worldwide..)

23. Do you consider the annual premium to be good value for money, given average cost of services within the scope of the plan?

24. Will the annual premium stay the same as you grow older? (with the exception of inflation or government tax increases)

25. Are there any “hidden” costs?

26. Will your annual premium increase according to the number of global claims?

27. Do you have to have a medical examination or just fill in a simple questionnaire?

30. Guaranteed Services.

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

33. Cover from day one – unless qualifying period specified.

34. Only one year indisputability period (standard clause of varying lengths in ALL Spanish policies).

35. 24hr Emergency Assistance.

36. International clinics in Alicante & Murcia provinces.

37. Unlimited consultations & diagnostics with specialists.

38. Surgical & medical in-patient hospitalisation – private room with bed for companion.

40. Chronic illness cover after one year, if newly diagnosed.

41. Free choice of local GP’s Specialists & Hospitals within the ASSSA medical scheme.

42. GUARANTEED - NO PREMIUM INCREASE DUE TO AGE.

43. GUARANTEED COVER FOR LIFE – we won’t cancel policy due to age or claim history.

44. Policy documents available in several languages.

45. Choice of cover levels – several levels to suit your needs.

46. Hazardous sports cover ( not for professionals or organised events).

51. Next look at the cover they are offering.

52. Then check if prices GO UP WITH AGE.

54. Finally, do they GUARANTEE cover for life - IN WRITING!.

55. Health Planning CANCER+OP+CHEMO

56. Health Planning WHICH BILL WOULDYOU RATHER FACE? 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. …WITHOUT WARNING!! Or a regular, planned, annual premium for health insurance from as little as 625€ per year. WITH COMPLETE COVER & PEACE OF MIND!!

58. You THINK you have a healthier life style - but do you?

59. Still smoking, Drinking more, Money problems - STRESS?

60. Have you noticed yourself slowing down lately?

61. Has your cholesterol been border-line or raised?

62. Osteoporosis, diabetes, heart disease - hereditary?THEN YOU MAY ALREADY BE CLOSER TO A LARGE HOSPITAL BILL THAN YOU THINK, THIS IS A SIMPLEFACT OF GEOWING OLDER!!

65. Therefore, the time to join a health insurance plan is while healthy.

67. Emergency travel cover worldwide at 10,000€ per condition including repatriation back to Spain for ongoing treatment.

68. Annual dental check & clean included in every policy.SIMPLY CALL TO ADVICE US, OR REQUESTAUTHORISATION FIRST

69. Health Planning ANY DISADVANTAGE? It depends what you are looking for 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.

71. NO PREMIUM INCREASES other than inflation & government taxes DUE TO AGE.

72. ESTABLISHED FOR 75 YEARS with excellent administrative and support services.

74. What you may expect from the Spanish National health system.

75. Questions to ask when comparing private health insurances (…if it’s not written, don’t believe it - the written word is law in Spain).

77. Funeral Insurance (e.g. around 200€ per year aged 60).

78. Dental Insurance (from 86€ per year).

80. 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!!THANK YOU FOR YOUR ATTENTION!!

81. Funeral Planning FUNERAL PLANNING THE INPORTANCE OF FUNERAL PLANNING IN SPAIN

82. Funeral Planning INTRODUCTION This presentation will give you: General information about the procedures when a death occurs in Spain. Information about the various funeral plans available in Spain. Detail the advantages and disadvantages of each of the plans. Details about the ASSSA Funeral Plan.

85. Attendance will be required at the Tanatorio to make all the arrangements for the Funeral, normally within 24 hours.

86. You will be asked if you have your own Priest or Vical to conduct the service, if not one will be found for you.

88. 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.

89. 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). …all this while still in the early stages of grief…

90. Funeral Planning 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.

93. These companies are mainly U.K. based with only agents in Spain.

94. The cost in one go or through “easy payments” is quite large and eats into capital.

95. Not many people have the cash available to pay a large amount in one go.

96. 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).

99. Many Spanish families trust their health and funeral planning to ASSSA.

101. There is no single large payment - one small annual premium.

102. There is no medical check before joining - just a couple of general health questions.

104. The premium only increases when the Government increase the overall cost of funerals in Spain.

105. 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.

106. You are covered immediately for accidental death and after 20 days for death by natural causes.

108. We work closely with the Tanatorios and have done for many years.

109. If you die elsewhere in the world you have the option to be brought back to Spain for your funeral.

110. Or - the plan offers a cash payment towards a funeral in the country in which you die.

112. You get to keep your capital - to leave to your heirs.

113. If capital of 8,000€ is invested (the average cost in Spain of funerals for a couple) the annual interest earned on the investment might well cover the cost of the annual ASSSA premium.

116. Funeral Planning VISUAL REPRESENTATIONOF HOW YOUR INVESTMENTCAN OFFSET YOUR COSTS - = Annual ASSSA Premium Interest in Your Saving Your extra Payment

118. ASSSA funeral insurance.

120. Contact: Manuel MartínezGiménez. + 34 609675172 manuelmartinez@asssa.es