We are used to running to the doctor when we are in pain. But the real wisdom is not to wait until we get sick.
Almost every day I receive messages that start the same way:
💬 «"Olesya, I've been waiting for an MRI scan at a state hospital for over 8 months, I can't take it anymore and I want to get insurance!"»
💬 «"I've discovered a problem, I want to take out a private policy..."»
💬 «"Olesya, I'm already pregnant and I want insurance so that..."»
Friends, I really want to help everyone, but private insurance doesn't work like that 🙅♀️!
We are used to running to the doctor when “thunder has already struck.” But the essence of insurance is prevention. It is your airbag to of how something will happen.
Why shouldn't you wait "until the last minute"?
1️⃣ Existing problems are not covered. If you have already Something hurts, there is a diagnosis or an injury - private insurance (any, not just DKV) will not cover it. It will only cover future events. What happened before the policy was issued is, unfortunately, your personal expenses.
2️⃣ State medicine is a long time coming (and prevention is lacking here). Yes, public healthcare in Spain is good, but sometimes you have to wait months for a visit (situa). ❌ Waiting 4–12 months for a specialist? This is reality. ❌ A family doctor will not give a referral for tests “just to check” if you don’t have any pain. ✅ From DKV: You go to the doctor when you want. you, not when it's your turn. You make an appointment directly with the specialist you want. Prevention, check-ups, tests - without questions and unnecessary nerves.
3️⃣ Pregnancy and childbirth. 🤰 Are you already pregnant? You can take out a policy, but for it to cover childbirth and pregnancy management, you will have to pay an additional premium (waiting period buyout option).
👶 Just planning? This is the perfect time! For 50–90€/month you get full support, childbirth in the best clinics, and you themselves You choose a doctor, not rely on the one the system will assign. For comparison: one visit to a private doctor without insurance costs from €80–100 (and that's just a consultation!).
My sincere advice: True strength lies not in treating advanced diseases, but in preventing them. Take out a policy when you are healthy, calm, and “nothing hurts.” This is the best investment in yourself.