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Mczwz wrote:

Wouldn't not mentioning potential pre-existing conditions be considered having provided incomplete information (misrepresentation, at best or lying by omission at worst) invalidate the contract if the issues were to come to light after?

Michele

It would be a fraud, so can't be done.
I'm not suggesting that, I'm suggesting excluding them from the policy.

Many companies will accept medical insurance policies to cover everything else, but exclude preexisting or related conditions from that cover.

Try a few.

Josebig wrote:

I was told my insurance had to cover everything the 'seguridad social' covers..

Jose      That is the requirement when one is appplying for resident status.

Johncar wrote:

There is confusion here.

You first said you had NIE,  now you say you have residencia.

To obtain residencia one must have full medical cover, not travel insurance.

At the National Police station where I work, I am frequently called to the documentation office to explain in English that full medical cover is required.  If you did get Residence status without that cover the person who dealt  with you at the documentation office made an error.  I would keep quiet about it in case they find out.

I was planning to live in Spain for a year with the possibility of staying until I discovered last week that no pre existing conditions are covered, despite my illnesses being under control with medications. So I appreciate your explanation of the issue. I am going to explore some of the companies mentioned in this thread.

Josebig wrote:

I was told my insurance had to cover everything the 'seguridad social' covers. It does not have to cover medications. It must cover doctors, tests and hospitals. I used insurance from United Healthcare in USA and that was sufficient. It covered preexisting as long as was under control for six months prior to the exacerbation. I paid 2800USD.

When you say you used United Healthcare, are you referring to their travel insurance which covers 364 days? If not, can you tell me what is the type of insurance you got from them? Thanks

Josebig wrote:

Hi. That is the one I used and was accepted by the consulate I'm Boston. It covers up to 364 days and includes coverage for preexisting conditions that are under control.

Thanks so much for replying so quickly. I'm wondering if you will have to keep this insurance indefinitely if you plan to stay or be a resident of Spain?

Johncar wrote:

If you had been granted residence status here, as opposed to being allowed to stay for the period permited by your visitors visa,  you would have been issued with a Residencia Card.  You do not say you have that permit, which as I said is altogether different from an NIE (tax ID number).

My son who lives in UK has just obtained an NIE as he wants to open a bank acount here.

Why do I post as I do ?    Answer:  I have been working here in Spain with the National Police for 20 years assisting people making applications for NIE, residencia etc.

Johncar, I'm wondering if I have insurance for my first year, will I be able to get a residency card if I have pre- existing, manageable conditions, such as high cholesterol and glaucoma, both treated through medication.
If i understand you correctly, I will never be eligible for Spanish national insurance. But most of these private insurances have a cut off date of age 75.
I'm a U.S citizen.