Health insurance

we will be moving to Spain in January . Could anyone advise us on health insurance please ? We have been online and it seems to be very expensive

Ray 

You are now thinking to yourself ...how do they all manage to live in Spain with the high cost of private healthcare ...the fact is that majority of British expats under UK retirement age and not in  employment  do not have any health cover at all ....and are fiddling both the Spanish system and the N H S by using a EHIC card ....as you well know the UK EHIC card is only for holiday maker's ....if you become a permanent resident in another EU country you will need the appropriate health cover .

I'm sure it's been answered before and I may have forgotten but what classifies someone as a permanent resident in the terms of the law?

(1)If a British subject lives in any EU country for more than 181 days in any one year they automatically become a resident and are obliged to pay tax to that country .....(2)if you cannot prove that you have a permanent home in the UK/ /pay tax in your country of origin then you become a tax paying resident from day one on entering another EU country. ...You are also breaking  EU laws by not registering in that country.

Original post: we will be moving to Spain in January . Could anyone advise us on health insurance please ? We have been online and it seems to be very expensive..

Try looking here. Depends on the level you sign up for but a friend pays around 50 Euros per month for insurance. All depends on age level, location and pre-existing conditions. I use them on an ad-hoc basis and a consultation with English speaking doc is around 40 Euros.

http://eng.dkvseguros.com/

Saludos

Brian   I'm sure it's been answered before and I may have forgotten but what classifies someone as a permanent resident in the terms of the law?

There are extra oddities but basically, if one moves to Spain, or it is one’s main centre of economic activities, or one’s family live in Spain, then you are resident immediately.

If one stays 3 months permanently then they must register on the EU Citizen’s Register,

If those conditions do not apply,  if spending a total of 183 days in a year one automatically becomes tax resident

In any case where one’s conditions are unusual the tax authorities in the countries concerned should be consulted and they will decide where you are tax resident.