"We care about your peace of mind"

The benefits of Adeslas Insurances for Expatriates, Tenerife

As an independent Adeslas Insurance Agent based in Tenerife, I hope that this blog will assist and provide information for Expats, residing or on long-term holidays in Tenerife, to understand the benefits and importance of insurance policies available to them and their loved ones.

"When in Rome, do as the Romans do". Living in a foreign land, can be daunting and unfamiliar, but if you follow the customs of the locals, who know the ropes you will be on the right track.

Adeslas SegurCaixa is Spain's Nº.1 in private health insurance giving you peace of mind, by being fully insured by the largest health care provider system in Spain.

• More than 43,000 medical professionals
• Medical assistance in 1,150 health centres
• Arrangements with 300+ clinics
• 24 hour multi-lingual Customer Service Call Centre 

In addition to private health care insurance SegurCaixa Adeslas also provides professional fully comprehensive insurance coverage for:

• Dental care
• House/Home
• Funeral
• Accident/Risk
• Business/Commercial
• Car/Auto

Email: vicki.chalmers@gmail.com

Tel: (+34) 696 990058

Home insurance - GoCompare research

A recent research conducted by GoCompare.com published in The Guardian has revealed that many homebuyers took out a home insurance policy with their mortgage lenders. The majority fearing that it would affect their mortgage if not taken out.

72% of the homebuyers had made no comparison check on home insurance policies available to them at more economical rates, to cover them for their contents. Whilst it is legally required to cover the building/construction of the property, it is not obligatory for the borrowers to take out house insurance with the lenders, they can save valuable money on making comparisons with other insurance companies.

Have you made a comparison check recently on your home insurance policy? Contact me for a free, no obligation quote and peace of mind.

Homebuyers may be paying too much for insurance, says research

What will happen to EHIC card in event of a BREXIT vote

Article in the Telegraph explaining the implications in the event of a Brexit vote and the EHIC.

It is important to note that the EHIC is not a type of travel insurance, you should always take out travel insurance when going abroad to cover for yourself for accidents/incidents.

what-will-happen-to-the-european-health-insurance-card-if-theres/

Using your EHIC in Spain

Moving to Spain? Think about healthcare!

This animated video from the Department of Health and the British Embassy in Madrid gives official advice to British Nationals thinking of moving to Spain on how to register for healthcare as residents in an easy-to-understand way. Follow our top tips for a healthy and happy life in Spain! 

NHS rejects British expats returning from Spain - medical black hole

Interesting article published in the Telegraph regarding strict new rulings which will affect thousands of Britons living in Spain. Many British expats will no longer have access to local health care services in Spain and being rejected from the NHS in the UK, despite the fact that they have contributed for many years. The withdrawal of the S1 (E106) form took place 1st July, 2014.

France has already implemented changes which require that British Expats retiring there have to have private medical insurance to access health care services in France.

Full details can be found here medical care black hole for British expats.

Don't worry....unless you don't have insurance?

Do something today that your future self.....

Ensure that your insurance policies are up-to-date and in order.

Are you happy with your current insurance premiums?

Unfortunately far too many people have their insurance policies on automatic renewal via their banks and do not check what they are getting in return for their insurance policies. You be may be surprised to find that out there is a cheaper premium with better coverage with another insurance company out there.

It is always advisable to get  quotes to check if you are getting value for money and make sure you are covering all your needs, perhaps your circumstances have changed from when you first took out the policy?

If you are uncertain about moving from a company you have been with for many years, remember loyalty does not pay and sometimes it pays to switch.  Don't worry about moving, at the end of the day, the choice is yours and it could make an economic difference and have added benefits for you. It is always better to be well informed and saving money in the long-term.

If you need any quotes as a comparison, with no obligation, for the following insurances detailed below, please do not hesitate to contact me by using the contact form or email vicki.chalmers@gmail.com.

• Health Plans - private medical care services
• House/Home insurance
• Car/Auto insurance
• Accidents/Risks insurance
• Business/Commercial insurance

Car

As everyone knows it is illegal to drive a car without insurance. Segurcaixa Auto insurance provides maximum coverage for the protection of the driver, occupants and safety of your vehicle (includes SUVs and mini-vans), offering the following types of insurance cover:

Fully Comprehensive without excess (for new vehicles).
Fully Comprehesive with excess (vehicles less than 10 years old).
Third Party Fire & Theft
Third Party & Glass
Third Party

Benefits included:

• Free choice of garage/workshop.
• Travel and roadside assistance (less than 1 hour).
• Civil responsibility liability and legal protection.
• Coverage of equipment and personal belongings in case of accident
• Inclusion of optional accessories without additional premium surcharge
• Includes non-standard accessories to 1,500 €

Fully Comprehensive

Coverage of fire, glass and theft

Own damage repairs

Civil responsibility

Legal claims and damage service

Capital driver accident insurance 30,000€

Complete travel assistance 

Optional: Traffic fine management, subistute vehicle, increased Capital accident insurance (60,000€ or 100,000€)

Third Party Fire & Theft

Coverage of fire, glass and theft

Civil responsibility

Legal claims and damage service

Capital driver accident insurance 30,000€

Complete travel assistance

Optional: Traffic fine management, subistute vehicle, increased Capital accident insurance (60,000€ or 100,000€)

Third Party & Glass

Civil responsibility

Coverage of glass

Legal claims and damage service

Capital driver accident insurance 30,000€

Complete travel assistance

Optional: Traffic fine management, subistute vehicle, increased Capital accident insurance (60,000€ or 100,000€)

Third Party

Civil responsibility

Legal claims and damage service

Capital driver accident insurance 30,000€

Complete travel assistance

Optional: Traffic fine management, subsitute vehicle, increased Capital accident insurance (60,000€ or 100,000€)

  

The subsitute vehicle is an optional extra and guarantees, in case of theft, attempted theft, fire or immobilisation of the vehicle, or as a result of an accident, the customer only has to call and request the service.

• In case of accident or attempted theft damage up to 12 days.
• In case of theft up to 40 days.
• In case of fire up to 20 days.

Business

If you are an owner or tenant of commercial premises, office, shop or business premises or are a legal entity or owner of premises with no activity SegurCaixa Business is a flexible product that allows you to choose the capital, type of insurance coverage and exemptions that best suit your busness.

You can also choose the payment method that best suits you needs:  annually, half-yearly, quarterly or monthly, with or without excess.

SegurCaixa Business offers a broad coverage against possible damage caused by the most common risk incidents in the insured business.

Basic coverage includes:

• Fire, flooding, loss of rent or uninhabitable
• Water damage.
• Broken windows, signs, lights and masonry.
• Electrical damage.
• Coverage of content: furniture, machinery and stock
• Theft of goods or cash to customers and employees
• Civil Liability responsibility 
• Coverage of legal protection.
• I.T. assistance. (when contents opted for on application)

Minimum for furniture, equipment and stocks: 10,000€
Maximum for furniture, equipment and stocks: 2,000,000€

Businesses eligible:   

Shops and businesses held for sale of goods
Shops and businesses for the purchase / sale of goods
Shops, offices and businesses held for sale of services
Establishments dedicated to health, hairdressing, beauty salons, etc.
Establishments or premises for education
Hotels, restaurants and bars
Empty premises without activity

Businesses not eligible:

Warehouses
Workshops
Industrial factory
Hotels more than 4 star category
Empty premises in which any undeclared activity is carried out

All types of housing for residential use, where business is conducted
Premises constructed with less than 70% solids or nonflammable materials

Optional guarantees:

• Machinery breakdown coverage of refrigerated goods and electronic equipment.
• Loss of benefits coverage. 

Business Assistance:

• Professional services for incidents not covered in the policy
• Expenses of professional services not covered
• Sending professional emergency plumbing, masonry, locksmith, metalworker, etc.   
• Emergency power breakdown of fixed power supply installations
• 6 months warranty on work carried out by professional services
• Sending security personnel to local business when it is accessible from the outside
• Expenses of urgent return from a trip to serious business disaster at home
• Ambulance services when the incident causes bodily harm to people in the business premises 

Civil Responsibility Coverage:

• Civil responsibility as the owner of insured premises
• Robbery of/from customers and employees inside the premises
• Infidelity of employees
• Civil responsibility derived from work accidents  RC Leaseable
• Operating civil responsibility: damage or loss caused to a third party as a result of the insured activity
• RC Products and Post-work: direct damage or loss caused to a third party as a result of work performed or product distribution (of the insured activity)

I.T. Assistance:

• Remote assistance service via the Internet
• General I.T. Help  
• Management and backup protection services
• Service recovery of damaged and unreadable data
• Help in protecting against hackers

How the public and private health systems work in Spain

This is a guide to medical services and how the public and private health system work in Spain, which you can find in Justlanded.com a useful website for Expats or people who have "just landed" in Spain.

The 80% refund scheme they are referring to is the Adeslas Plena Extra 150 health insurance package.

Accidents

"There is no such thing as accident; it is fate misnamed" 
Napoleon Bonapart

Accidents happen everyday, whether we like or not,  caused by your or someone else's actions. They are unfortunate incidents that occur unexpectedly and unintentionally, which can result in damage, injury or death.

Our Accident Complete Insurance features are:

• Starting from 5,80€ per month you can receive capital assurance of 30,000€ 
• You can include on your policy named beneficiaries (your spouse, children)
• Capital assurance payment upon death or permanent total disability
• Capital assurance from 30,000€ to 240,000€
• Percentage capital assurance in the event of partial disability, e.g. loss of a finger, a hand, etc.
• For professionals or private individuals 
• 365 days of the year, anywhere in the world
• The amount is constant and independent of age
• No medical examination or questionnaire required
• Extended coverage in the event of loss or disablement to any body part
• Double capital assurance in the event of death or permanent total disability by car accident. For example 30,000€ doubles to 60,000€
• In case of death balance of La Caixa credit cards up to 3,000€ 

Exclusions:

High risk professions (forces, police, firefighters...)

People who practice extreme or adventure sports

Suicide attempt or self-harm

Accidents under the influence of alcohol, drugs, etc

Accidents caused intentionally or fraudulently

Users of motorbikes, mopeds and cyclists (unless opted for under the policy)

Direct involvement in criminal acts

People with any kind of disability

Insurers already contracted to SegurCaixa Accident insurance
Maximum age limit 70 years of age