Friday 23 November 2018

The Benefits of Adeslas Insurances for Expatriates

"We care about your peace of mind"

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" (or Spain!)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 NÂș.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:

Email: vicki.chalmers@gmail.com
Tel: (+34) 696 990058




New broker insurance service

I am pleased to announce that we can now offer you an excellent insurance comparison service in association with Boracay Brokers on all types of insurance policies. We work in collaboration with various insurance companies, such as FiatC, Zurich, Reale, Generali, DKV, `AXA, Adeslas, Mapfre and Caser, therefore, as a broker, we are able to offer you the best possible quote and insurance policy cover tailor-made to your needs. If you are looking for a quote for:

  • Cars and vans 
  • Motorbikes
  • Property, Household contents owner/rental
  • Mobile phones
  • Business
  • Private health/Dental
  • Travel/holiday Insurance 
  • Civil responsibility  
  • Accidents 
  • Death/Funeral
  • Pets - vet assistance and liability (dangerous breeds)
Let us take the hassle out of finding the right insurance quote for you or giving you a comparison. 


Contact me for a free, no obligation quote at vicki.chalmers@gmail.com or (34) 696 990058.




Wednesday 13 June 2018

Special Offer on private health care and dental - June & July 2018

If you are looking for private health care we have a special offer on for the months of June & July. Contact me for a free, no obligation quote.


Tuesday 12 June 2018

Live long and Pawsper - Pet insurance

Pleased to announce that we can now also over veterinary insurance for your furbabies. After all they are part of your family and need special care as well when ill. How many times have you been caught out by expensive, but necessary vet bills when they are unwell? With the Basic plan cover your pet with insurance for theft, death by accident and Civil Responsibility or the Complete plan which includes the Basic and reduces your veterinary bills.

There are two types of cover being the Basic and Complete, which cover your furbaby in the following areas:

Basic
  • Theft up to the value of 800€
  • Death by accident up to 1,000€
  • Civil Responsibilty insurance up to 180,000€
Complete 
  • Theft up to the value of 800€
  • Death by accident up to 1,000€
  • Civil Responsibilty insurance up to 180,000€
  • Death through illness up to 1,000€ (after 6 months on insurance, no age limit)
  • Veterinary assistance
  • Clinics/Veterinary Hospitals in Tenerife
  • Veterinary consultations without limits
  • Free rabies vaccinations and reviews
  • 24 hour Emergency visits with no additional cost
  • No waiting period
No questionnaire required if your furbaby is micro-chipped.

These are the Veterinary Clincs for your best friend under 9 years of age. If your furbaby is insured prior to 9 years of age the insurance policy can continue for vet assistance.
  • Clinica Veterinaria Costa Adeje, C/Tagara sn, Edif Res Las Torres L-15, Urb. Barranco Las Torres, 38670 Adeje. Tel: 922 780088 Website
  • Clinica Veterinaria Suarez Cuchi, Avda. Arquiteco Gomez Cuesta 12, 38660 Playa de Las Americas. Tel: 922 987647 Website
  • Clinica Veterinaria Abona, C/Arguayoda sn, Efif Res Olga, Local 5, 38611 Granadilla de Abona. Tel: 922 393016 Website
  • Clinica Veterinaria El Mayorazgo, C/de Pilar Monteverde 9, 38300 La Orotava. Tel: 922 320476 Website
  • Clinica Veterinaria La Paz, C/Cardon 11, Urb La Paz, 38400 Puerto de La Cruz. Tel: 922 372721 Website
  • Clinica Veterinaria Corona, C/Pedro Tarauis Rodriguez 2, 38009 Santa Cruz de Tenerife. Tel: 922 662882 Website
  • Clinica Veterinaria Puente Zurita, C/De Obispo Perez Caceres 12, 38006 Santa Cruz de Tenerife. Tel: 922 272423 Website
  • Consultorio Veterinaria Los Gigantes, Avda 5 Centenario 25, Edif Eva, Local 8, 38683 Santiago del Teide. Tel: 922 860916 Website
  • Hospital Veterinario Taco, Crtra del Sur Km 6.5, 38108 Santa Cruz de Tenerife. Tel: 922 612476 Website
Special offer of 20% discount on the above plans for existing/new Adeslas private health care clients.



Health Plans

Adeslas offers various tailor-made health insurance packages which are detailed below:

Basic from 14.50€ p.m.
This package as you can gather from the title is "Basic" outpatient only medical coverage. If you have a Tarjeta de Salud (blue card), this policy can offer you private outpatient medical services at an economical rate.
  • No international travel insurance included
  • Primary medical care, Specialists and medical diagnostics
  • Does not cover you for Emergencies, preventive medical treatment or hospitalisation
  • Organ transplants and other services
  • Out-patient medical treatments only
  • No medical questionnaire required
  • Co-payments towards medical treatments, e.g. Specialist consultation €12-€14
  • 3 month waiting period for specialist analysis, MRI
Plena Vital from 35.00€ p.m.
  • International travel insurance (90 days abroad)
  • Co-payments for certain medical services (annual co-payment limit 260€)
  • Primary medical care, Specialists and medical diagnostics, Emergencies
  • Preventive medical treatment, hospitalisation, specialist treatments
  • Organ transplants (cornea and bone marrow) and other services
  • Medical questionnaire required
  • Co-payments towards medical treatments, e.g. Specialist consultation €12-€14
  • Waiting period as per below
Plena from 45.00€ p.m.
  • International travel insurance (90 days abroad)
  • Co-payments for certain medical services (no annual co-payment limit)
  • Primary medical care, Specialists and medical diagnostics, Emergencies
  • Preventive medical treatment, hospitalisation, specialist treatments
  • Organ transplants (cornea and bone marrow) and other services
  • Medical questionnaire required
  • Co-payments towards medical treatments, e.g. Specialist consultation €12-€14
  • Waiting period as per below
Colletive Foreigners/Expats Plan from 55.46€ p.m.
This private health insurance plan is required when applying for Residencia/NIE (Certificado de Registro) in Spain when you are not contributing into the Spanish social security system.
  • Repatriation to country of origin in event of death or serious illness
  • No co-payments for medical services 
  • Primary medical care, Specialists and medical diagnostics, Emergencies
  • Preventive medical treatment, hospitalisation, specialist treatments
  • Organ transplants (cornea and bone marrow) and other services
  • Medical questionnaire and Passport copy required
  • Full annual payment required
  • No waiting period for medical treatment
Plena Plus from 55.00€ p.m.
This private health insurance plan is required when applying for Residencia/NIE (Certificado de Registro) in Spain when you are not contributing into the Spanish social security system.
  • International travel insurance (90 days abroad)
  • No co-payments for medical services 
  • Primary medical care, Specialists and medical diagnostics, Emergencies
  • Preventive medical treatment, hospitalisation, specialist treatments
  • Organ transplants (cornea and bone marrow) and other services
  • Medical questionnaire required.
  • Waiting period for specialised medical treatment
  • No co-payments
Plena Extra 150 from 79,00€ p.m.
  • International travel insurance (90 days abroad)
  • No co-payments for medical services 
  • Primary medical care, Specialists and medical diagnostics, Emergencies
  • Preventive medical treatment, hospitalisation, specialist treatments
  • Organ transplants (cornea, bone marrow, lungs, heart, liver, kidney) and other services
  • Free choice of medical clinic with a refund of 80% of expenses (150,000€ maximum limit)
  • Medical questionnaire required.

Conditions:
Certain medical services that are provided by SegurCaixa Adeslas from the start date of the policy have waiting periods of 3, 6 and 10 months for medical services, unless you join Adeslas from another insurer (certain criteria applies when transferring from another insurer to exclude waiting periods).

You are immediately covered for primary medical care services, i.e. general doctor, primary health care services and for critical life and death medical assistance. You will not immediately be covered for high technology diagnostic tests, operations, hospitalisation or specialist treatments as per the waiting periods.

Discount for 4 pax insured on policy of 10% and further discounts depending on payment terms: yearly, bi-annual or quarterly.

Pre-existing health conditions cannot be covered.








Monday 11 June 2018

Funeral/Death Insurance

"There are two things certain in this world: death & taxes" Benjamin Franklin


R.I.P. with an Adeslas Funeral insurance. Not a pleasant subject, but a necessity :-(. If you cherish yourself and your loved ones give them peace of mind with this death insurance policy.

The SegurCaixa funeral/death insurance covers all costs and formalities necessary when a person dies in order to assist and help family members in these difficult times. It gives support to the families of the insured by simplifying all the bureaucratic red tape involved with funerals, whether it is a burial or cremation.

Funeral Basic includes:
  • Funeral services: It covers the cost of the funeral services with a capital assurance of 4,201€
  • National transfer: Covers the shipment within Spain of the deceased back to Tenerife/Spain (for vacations under 60 days).  
  • Relocation International: Covers the transfer or repatriation from abroad to Spain of the deceased (including the spouse or significant other's expenses maximum 900€) e.g. death occurs whilst on holiday, relocation to Spain (for vacations under 60 days).
  • Psychological: Assistance for families when the insured's death occurred due to an accident or the deceased is under 18 years of age.
  • Legal: Assistance with document procurement, advice on legal procedures and court advice to facilitate and support in the necessary funeral arrangements
  • Logistics: Handling all the logistics and process of ALL the funeral arrangements
  • Languages: All transactions and communication by telephone via a multi-lingual, 24 hour service call centre in the language of your choice 
  • Freedom of choice: Burial or cremation service
  • Family policy: Ability to include multiple family members (3 people or more 10% discount).
  • No medical questionnaire: Policy holder only needs to validate that the policy holder(s) are in good health at the time of joining the insurance policy.
  • Accidental death: Should death occur via an accident (up to 70 years) 6.000€ assurance capital awarded to legal beneficiaries
Example of the cost:
55 year old                  €68.55
                                                  
Are you ready for this.............? 

€68.55 per year!!!  YES, per year not per month (€5.71 p.m.)!

Funeral Optional Extras
For an additional small increment you can also have the following optional services included in your policy plan:
  • Wills: Administration and legal assistance will service 
  • Extra Services - music at funeral service, obituary, headstone, catering, etc. Capital assurance 1,000€
  • Studies plan - should the deceased have beneficiaries under 18 in school/college they would also receive 6,000€ each to continue their education in the event of accidental death. 200€ per month allowance.
  • Digital Plan: Administration of your digital internet footprint, closure of accounts on-line, social media profiles, banks, telephones, social security, pension, tax authorities, energy companies, etc., and identity theft protection, 
  • DNA storage -  Option to store deceased's DNA for 10 years
  • Accidental death is not included in the Funeral Complete Plans
For Funeral Optional Extras a free no obligation simulation will be carried out.

Funeral Plans
To give you an idea of the costs of Funeral Plans here are some prices from well known funeral companies operating in Spain which need to be paid as a lump sum or in installments over 5 years.  

Company A: charges from €48.16 for basic up to €112.50 for premium plan per month over a 5 year period with a €500 deposit. No additional charges. Lowest plan €3,390 - highest plan €7,250.

Company B: charges from €60.97 for basic up to €165.33 for premium plan + additional charges from €708 to €1920. Lowest plan €4,158 - highest plan €10,420

Company C: charges from €78.84 for basic up to €212.62 + additional charges from €1,086 - €3,126. Lowest plan €5,040 - highest plan €13,260

Worth noting if death should occur prior to full payment of the funeral plan the next of kin are responsible for the payment of the outstanding balance.

Repatriation
Whilst our insurance does not cover for repatriation of the deceased's body you can make arrangements to have the ashes transported back to their homeland. This should be stipulated to the Funeral Director arranging the cremation to ensure the appropriate vessel is supplied for on-board flight travel and paperwork. You will require their ID, death and certificate of cremation. Airlines should also be contacted to make them aware that you are carrying ashes. Permission also needs to be obtained from Spanish authorities to remove the remains from Spain. If possible, it is also advantegous to contact your local Spanish consulate to ensure a smooth arrival into the homeland of your loved one.

Saturday 17 March 2018

Health tips and remedies

Anyone who is looking for natural health tips and remedies follow me on my facebook. Far more efficient and natural than medication. always check with your doctor as well, but for me, I would rather try natural remedies that Mother Nature gives us before taking a tablet with unknown consequences! You have everything to gain and nothing to lose with natural cures.

I am post regularly lots of natural remedies and health tips to keep you guys healthier.... Thanks for following...