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Health & Medical insurance in Spain

Why private health insurance in Spain? Overall, the Spanish National Health Service is probably better than that available in the U.K, but has certainly come under mounting pressure in recent years due to the high level of immigration.

Coupled with the increasingly severe economic conditions being experienced worldwide, this has led to deep cutbacks in investment and an increasing reliance on the private sector for the building of new facilities. Similarly, low wages have led to acute staff shortages in many areas, creating longer waiting lists and even cancellations of proposed procedures.

The language barrier is a problem for many patients, and considerations such as privacy can be an added burden in an already stressful situation.

At a time when speed of diagnosis and treatment is so vital, Private Health care enables clients to access procedures instantly. This speed is often no longer available on the state system due to increasing financial pressures being placed on health authorities by Central government.

Jennifer Cunningham Insurances has a full-time bilingual administrator based in our head office who works solely for the benefit of our ASSSA clients, and this coupled with ASSSA's own offices along the coast emphasises that we dedicate ourselves to a complete after sales service with continuing customer support: our relationship with our clients does not end with the setting up of the healthcare plan, it begins.

The  advantages of Asssa

Cover from day one, except those services subject to qualifying periods. Preventive medicine annual wellwoman/wellman check ups. Emergency national and international travel cover. Up to 10000 Euros per condition with repatriation to Spain included. Policy documents available in several languages. Only one year indisputability period (this clause is standard in spain all with varying lengths of times and conditions). Immediate access to GP, Specialist and Emergency treatment from day one. Special payment terms and life time discounts available for example when both parents join Asssa, children are entitled to a 50% reduction on premiums.

With effect from the 24t April 2012 an official bulletin has been issued by the Madrid Governent with immediate effect, Stating that foreigners that intend to live for more than 3 months in Spain, must apply for Residencia, which will only be granted under the follwing conditions:

  1. That you are an English Pensioner having transferred your health cover to Spain
  2. That you pay into the Spanish Health System via a contract or are self employed.
  3. That you can prove that you have Private Health Care, and a certificate of income.

Jennifer Cunningham Insurances S.L. Insurance in Spain made simple.


Are you confused about the changeover of your private health insurance to another provider?

We can help by offering extra special conditions for an easy transfer, similar terms and conditions and a more comprehensive medical directory of English speaking doctors.

Contact our ASSSA Sales Consultant on 966 461 690 or


Why choose ASSSA for your private medical & healthcare in Spain?

It is a sad fact but some salespeople claim their schemes include all kinds of benefits when this is not the case, so do understand that verbal assurances have no meaning unless confirmed in writing by the provider company: it is therefore critically important to check very carefully that the cover you think you have is fully-described and set out within the Policy Document, and in your own language.

There are three vital benefits that ASSSA provides for its clients in comparison to other private healthcare companies:

1. Guaranteed for life.
This means that from the day you join ASSSA, you are guaranteed that the policy will never be cancelled due to critical illness, chronic conditions or age.
This is a unique benefit and is written into the policy document, thus taking precedence in Spanish law over any verbal assurance that might be given by another company's representative.
2. The age you join is the age you stay.
Most health companies increase premiums as you become older. Asssa guarantee there will be no age related increases for the life time of your policy.

Asssa have the most comprehensive list of medical professionals. Many of whom are bilingual.
3. Primary care.
ASSSA's cover of the costs of G.P's, consultants, diagnostics, scans etc is very generous compared with other companies, and remember there is no question of having to pay yourself and reclaim later.
Their aim, and indeed ours, is to find you the medical care you need, when you need it, where possible in your own language and promptly.
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