{"id":2149,"date":"2026-02-06T12:38:07","date_gmt":"2026-02-06T12:38:07","guid":{"rendered":"https:\/\/seguro.expert\/?p=2149"},"modified":"2026-02-06T12:38:11","modified_gmt":"2026-02-06T12:38:11","slug":"private-medical-insurance-in-spain-why-not-wait-for-illnesses-to-be-covered-by-a-policy","status":"publish","type":"post","link":"https:\/\/seguro.expert\/en\/private-medical-insurance-in-spain-why-not-wait-for-illnesses-to-be-covered-by-a-policy\/","title":{"rendered":"Private health insurance in Spain: Why you shouldn't wait until you get sick to take out a policy?"},"content":{"rendered":"

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.<\/strong> <\/p>\n\n\n\n

Almost every day I receive messages that start the same way:<\/p>\n\n\n\n

\ud83d\udcac \u00ab"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!"\u00bb<\/em>
\ud83d\udcac \u00ab"I've discovered a problem, I want to take out a private policy..."\u00bb<\/em>
\ud83d\udcac \u00ab"Olesya, I'm already pregnant and I want insurance so that..."\u00bb<\/em><\/p>\n\n\n\n

Friends, I really want to help everyone, but private insurance doesn't work like that \ud83d\ude45\u200d\u2640\ufe0f!<\/p>\n\n\n\n

We are used to running to the doctor when \u201cthunder has already struck.\u201d But the essence of insurance is prevention. It is your airbag to<\/em> of how something will happen.<\/p>\n\n\n\n

Why shouldn't you wait "until the last minute"?<\/p>\n\n\n\n

1\ufe0f\u20e3 Existing problems are not covered.<\/strong> If you have already<\/em> 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.<\/p>\n\n\n\n

2\ufe0f\u20e3 State medicine is a long time coming (and prevention is lacking here).<\/strong> Yes, public healthcare in Spain is good, but sometimes you have to wait months for a visit (situa). \u274c Waiting 4\u201312 months for a specialist? This is reality. \u274c A family doctor will not give a referral for tests \u201cjust to check\u201d if you don\u2019t have any pain. \u2705 From DKV:<\/strong> You go to the doctor when you want. you<\/em>, 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.<\/p>\n\n\n\n

3\ufe0f\u20e3 Pregnancy and childbirth.<\/strong> \ud83e\udd30 Are you already pregnant?<\/strong> 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).
\ud83d\udc76 Just planning?<\/strong> This is the perfect time! For 50\u201390\u20ac\/month you get full support, childbirth in the best clinics, and you themselves<\/em> 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 \u20ac80\u2013100 (and that's just a consultation!).<\/em><\/p>\n\n\n\n

My sincere advice:<\/strong> True strength lies not in treating advanced diseases, but in preventing them. Take out a policy when you are healthy, calm, and \u201cnothing hurts.\u201d This is the best investment in yourself.

<\/p>","protected":false},"excerpt":{"rendered":"

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