Finding proper Marbella insurance solutions is a complex subject which, by it’s very nature, is governed by clauses, limits, sub-limits, exclusions, small print, etc. It is therefore never easy to buy the precise protection which you require, and this task is even tougher when you are trying to do it in a foreign land, with language issues to contend with and very often a very different culture to what you are accustomed to back at home.
This is certainly true of Spain, and that’s why it’s always best to discuss all your local Marbella insurance requirements with a local Independent & Regulated Insurance Broker, who can advise you in your OWN language.
Op de Beeck & Worth is an independent broker for Marbella insurance that has 45 years of experience in Spain. As a neutral partner working with many insurance carriers, they can offer the full range of services for your family.
The Sanitas Expat Marbella insurance company is the largest and fastest growing in Spain. They provide professional service in a language you understand assisting expats through out the world to obtain medical health insurance cover in Spain and abroad.
ALC Health Insurance provides flexible and cost effective medical cover for your family while living in Spain. ALC offers European-wide coverage for treatment with any hospital and with any doctor.
Generali is a major player in the global insurance industry and is represented locally by Quieroseguros in Mijas Costa. 25% Discount for visitors of MarbellaFamilyFun.com
An independent Marbella insurance broker will have relationships with a variety of Insurers and will therefore be able to search the market and find the package best suited to your requirements. A regulated Insurance Broker benefits from having fully trained staff whose knowledge is recycled on a regular basis, is authorized to provide advice on Insurance products and should things go wrong, carries Professional Indemnity Insurance.
The following is designed to give you a very brief overview of things to be aware of when buying some of the most commonly bought Insurances in Spain by expatriates.
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As a parent, you’ll know that the birth of a child brings huge pleasure and pride to you and your extended family. On the flip side, it also means increased responsibilities for the next 20 years –at least. Your child will be dependent on you for virtually everything, particularly financial planning for their upkeep, education and future.
When you consider the financial implications of a child – aside from the usual costs such as clothing, nappies, babysitters and regular trips to the pharmacy etc. – you should also consider your child’s education. Depending on which route you take, the cost of bringing up your child could run into hundreds of thousands of euros. So, it’s fair to say that it would be a good idea to start your financial planning as early as possible to ensure you have the necessary funds to invest in your child’s future.
Even though it’s important that you provide funds for your child’s schooling, it’s imperative that as parents, you also take care of yourselves. Here are some steps that can help you get in shape financially for your family’s future.
Make sure you have made a will
This is not tempting fate, but merely financial planning for an eventuality which will one day arrive – hopefully in the long and distant future. Dying without a will can cause all sorts of problems and unnecessary costs for your surviving heirs; so if you have not already got one, make sure you arrange to see your lawyer and make a will.
Insure your life
The death of a parent is a tragedy at any time, but when it strikes a young family, it’s not only the grief and sadness which have to be dealt with but also the financial impact of losing one of the parents. It is in respect of the financial impact that proper financial planning can be of invaluable assistance. You can protect your family’s financial security by taking out a life assurance policy, which would pay out a lump sum upon the death of the policy holder.
There are specific life assurance policies which are designed to cover the costs of your child’s education in the event of death or permanent disablement of one of both parents. These policies are relatively inexpensive and guarantee your children’s education is secure. You may also want to consider critical illness cover which pays out a lump sum upon diagnosis of a critical illness.
Once you’ve made arrangements to protect your own future, you can start financial planning for your child’s education, so that you have the funds to ensure the best possible education you provide.
The power of paying regularly into savings plans over a period of time
Most of us are not fortunate enough to have the spare cash kicking around to be able to fund our children’s education, and in this case one of the easiest and most effective ways of planning is to invest in a regular savings plan.
Health Insurance is not only a minefield but can also be a very emotional subject – therefore once you’ve chosen your Insurer, it’s imperative that you are transparent with them and fully declare all pre-existing conditions – no matter how small they appear to you.
How healthy is your current health insurance? Find out more on this article from the Insurance Doctor at Insurance Health Check.