Could it get any worse? Every time a politician opens his mouth to speak, it is a different story. All I know is that it is becoming a bit of a dangerous farce. There are so many issues and differences to be discussed and many agreements to be made. One example is Northern Ireland, I cannot see an easy resolution happening here and when did the Irish ever resolve anything quickly, especially when it comes to border control and customs.
There have been many warnings of the effects of coming out of the EU, but especially the customs union and trade agreements. These warnings do not seem to be taken on board and there is a mountain to cross regarding the negotiations. I think if I lived in the UK I would be making an exodus to live elsewhere in Europe whilst I had the chance to do it relatively easily, making Spain one of the first choices.
I understand there are a number of people panicking about being able to stay in Spain. I have no fears whatsoever, as both Rajoy, the Prime Minster, his Foreign Minister and the Consulate have many times assured us that we are very welcome to stay (of course we are – the economy would drop enormously without us).
The advice given by the Consulate is to request your Residencia as soon as possible and they are advising that to do this you must have proof of healthcare and if you are not entitled to state healthcare, you need private health insurance, with a certificate which must be presented and approved by the police.
My company can provide you with this certificate when you purchase and complete payment of a health insurance policy. All my offices can assist you with this process, with the applications then be forwarded to my Head Office and your application for your health certificate processed.
I am a little disturbed by many applying for this certificate and after a year, cancelling the policy. Unless you are accepted into the state health system, you will, of course, not have any cover at all in Spain. At this moment it is not illegal to be without health insurance whilst living in Spain but it is very foolish. Accidents and illness happen far too frequently to be without cover. Not only could the costs be high, depending on the illness and if you are unable to pay the invoice you will find yourself with embargoes on your home or bank account.
The other situation you could find yourself in, is needing to reapply for health insurance and find yourself in another age bracket, or have a pre-existing condition, which will both increase the premiums and the pre-existing condition could affect your coverage. Another issue with the state health care is the huge waiting lists and the pressure on the resources. So take care.
Currently I am re-launching Expat Services and have introduced a new service which is named after my Sound Advice programme on Bay Radio – “Jennifer’s Sound Advice Surgeries”, starting in my Javea and Els Poblets offices and extending to the southern offices shortly. I have selected very trusted professionals, who are all fully regulated, to work alongside me, offering their experience of living and working in Spain and what is required to do so. This includes solicitors, financial advisors, currency exchange and a structural surveyor. Two pieces of advice I can give you now is to go to a solicitor when you are thinking of purchasing a property and make sure your solicitor is independent, especially when buying off plan or a new build. This advice will be invaluable, before you even start looking for a property.
When you need any insurance, always go to a specialist, not your bank or solicitor, as in all probability the result will be a Spanish policy, not a policy tailored for the Expats, which my company specialises in. This particularly applies to life insurance. The premiums could be far higher than necessary and you may not be sure of exactly what is covered. When purchasing Mortgage Protection, a medical may be necessary and if you are not offered this and have a condition, your estate may have problems when trying to claim.
It is that time of year again where we are thinking of going on holiday, camping, travelling, hotels or cruises. My company has an excellent policy which you can pay in Sterling, which has many benefits, especially the optional extras when you go on a cruise, which includes cover if you are confined to your cabin due to illness and miss pre-booked excursions, and cover for missing ports or connections during your trip. And of course, all the normal cover of lost luggage, illness and repatriation and being able to speak to someone in your own language is always beneficial.
For those who live near the Els Poblets office, where the Renewal Department is based, I require a part time Sales Consultant to sell general insurance. Sales experience is necessary and other languages would be an advantage. Please send your CV to firstname.lastname@example.org.
For more information, please contact one of my offices or email email@example.com and to book an appointment for the Sound Advice Surgery, email firstname.lastname@example.org.