www.e-quot.es

Dear Sir,

 I have prepared a table with the 3 different levels of cover (Essential / Classic and Gold) and the cost of each product.

From the requirements you mention in your email I suggest either Lifeline Classic or Lifeline Gold.

Your quotes;

Level of cover	Quote ref	More information
Lifeline Essential	BIV9309E	Essential
Lifeline Classic	BIV9309C	Classic
Lifeline Gold	BIV9309G	Gold

You will see that it is possible to pay the 'standard rate' or  choose the maximum deductible ( eg 3200 US dollars )  

This means that you pay the first 3200 US dollars of medical expenses each year, but BUPA will refund medical expenses over 3200 US dollars. You therefore send each medical bill to BUPA and when the total amount exceeds 3200 US dollars BUPA will start to refund the amount over 3200 US dollars. It is also possible to pay either in pounds sterling or euros.

There are 4 levels of deductibles, 160 / 400 / 800 and 3200 US dollars. Please tell me if you would like me to re-calculate with a different level of deductible (or the repatriation / evacuation option)

If you would like to see an application form I have also attached a document, and if you decide to make an application please complete the form and fax it to me at (+34) 91 8032484 and I will process it immediately.

Please ask me any questions you want to! I offer my services before and after taking out health insurance and have satisfied clients in many parts of the world.

 

What is covered?

What isn’t covered?

Membership Guide

 

BUPA International - FAQs (English)

Further information;

Intermediary: Company name Mainly Health Plans SL ('Sociedad de agencia de seguros vinculada') operating in the European Economic Area

Company registered number / NIF: B19250372 Inscrito en el Registro Mercantil de Guadalajara: Documento: 1/2007/1.655,0 Diario: 14 Asiento: 779 Tomo 495 Libro: 0 Folio: 71 Hoja: GU-6611

Regulated by the Spanish Insurance and Pension Ministry Registered as a 'Linked insurance agency' with the Spanish Government, number... with Civil Liability insurance as required under Spanish Insurance Law (art. 21 de la Ley 26/2006, de Mediación de Seguros y Reaseguros Privados) and offering these insurance products.

Registered address: c/ Vizconde de Valoria 7, Yunquera de Henares 19210, Guadalajara, Castilla La Mancha, España ( Spain )

Correspondence address: Apartado (PO Box) 19, 28760 Tres Cantos, Madrid, Spain

Telephone: (+34) 609 522 300     Fax:(+34) 91 8032484

 

For an application form, more details or if you would like me to post you a copy of this quote: saniprof@mail.ddnet.es (  If you don't receive an answer in 24 hours / Si no le contesto dentro de 24 horas  )

BUPA International plans and products I am authorised to offer;

Lifeline Essential

Lifeline Classic

Lifeline Gold

 

Company Scheme

 

 

 

www.e-cotizacion.es

My after-sales service:  David M Harris.com...Contact

Your rights: Your rights under Spanish insurance law - and please print your quote for future reference! (even though this quote will remain online for your information...)

( Why am I offering your quote in this format? )

Right to information and client protection regarding insurance mediation.

Section 1. Information requirements for insurance intermediaries.

Article 42. Information the insurance intermediary has to provide before signing an insurance contract

1. Before signing an insurance contract, the insurance intermediary should, at the very least, provide the client with the following information:

a) his / her identity and address.

b) The Register in which he / she is registered, along with the means for this to be registration to be checked.

c) If he / she owns a direct or indirect holding of more than 10% in the company or in the voting rights of any specific insurance company. (No)

d) If any insurance company or holding company of of such a company owns a direct or indirect holding of more than 10% of the voting rights or capital of the insurance intermediary. (No)

e) The procedures set out in article 44, allowing consumers and other interested parties to present complaints about insurance intermediaries (or re-insurance intermediaries) and, if required, about procedures enabling out of court complaint settlement, as set out in articles 45 and 46 of this law. (see)

f) Dealing with personal data, in accordance with that established in article 5.1 of the Data Protection Law (la Ley Orgánica 15/1999), dated 13th December 1999. (Done by Sanitas)

2. Furthermore, with regard to the way insurance is offered and prior to signing an insurance contract:

a) Exclusive (tied) insurance agents must inform the client that they are contractually bound to undertake insurance activities exclusively with one company, or if duly authorised, with one other insurance company. In this case, if the policyholder wishes, the name of the other insurance company must be given.

'Multi-tied' insurance agents ('agentes de seguros vinculados') must inform the client that they are not contractually bound to undertake insurance activities exclusively with one or several insurance companies and that they do not provide advice in the same way as that objective analysis required of brokers (Independent Financial Advisers - IFAs). In this case, if required by the client, the names of the insurance companies for which insurance mediation is undertaken, or for those insurance products offered, should be given.

To enable clients to receive information they have a right to know about those insurance companies insurance agents work for, insurance agents must inform clients about the right to request this information.

b) Insurance offered via bank personnel, apart from the information provided in a), must inform the client that advice provided is given in order to sell insurance and not any other product the financial institution may sell.

c) Insurance brokers (IFAs) must inform the client that advice is given in accordance with section 4 of this article when undertaking objective analysis.

3. The right to have information before signing (as set out in the 2 previous texts) will also be applicable when the contract is modified if there are changes in the information given initially.

4. Advice related to undertaking objective analysis as required from insurance brokers (IFAs) will be given based on the analysis of sufficient insurance contracts offered in the market for the risks to be covered, so that a recommendation can be made, using professional criteria, about the insurance contract most suitable for the client's needs.

The existence of objective analysis based on a sufficient number of insurance contracts will be presumed in the the following cases:

a) When the insurance broker (IFA) has analysed in a general way, insurance contracts offered by at least three insurance companies that operate in the market for the risks to be covered.

b) When the insurance broker (IFA) has specifically designed insurance cover and negotiated with at least three insurance companies operating in the market for the risks covered, to offer the client those characteristics or meet the general needs the client has, exclusively based on the professional criteria of the insurance broker.

5. Specifically, based on information provided by the client, intermediaries must specify the requirements and needs of the client, apart from the motives that justify any kind of advice that could be given about a specific insurance product. These details have to resolve, at least, all the client's questions and related to the insurance contract proposed.

6. It won't be obligatory to provide the information described in previous paragraphs when a major risk is being insured: in those cases, re-insurance brokers won't be oblilgred either to provide the information set out in previous paragraphs.

7. Insurance intermediaries in the European Economic Zone operating in Spain under the freedom of movement or freedom for providing services must inform clients, in the same terms as set out in previous paragraphs, about whether advice is given based on objective analysis or if they are contractually bound to sell insurance exclusively with one or several insurance companies.

(rough translation 1/2009)

Insurance Intermediary - registered with the Spanish Insurance authorities

 

accident insurance / Boating insurance (jet skis, sailing and motor boats) / Business insurance (churches, clinics, factories, schools, shows, Town Halls, warehouses, workshops (chemical products, leather, metal, paper or cardboard, plastic or rubber, textile) / Car insurance (including foreign number plates/registrations, top of the range or Classic cars) / Caravan insurance / Civil liability insurance eg trades, hairdressers, academies, bars, restaurants, tourist guides, monitors, shows) / Commercial Premises insurance (amusement arcades and one-armed bandits, bars, beauty salons, cafes, cake shops, chemists, clubs, discos, florists, fruit shops, gift shops, gyms, health shops, hairdressers, international 'phone call shops, ironmongers, jewellers*, newsagents,  opticians, restaurants, sex-shops, shoe shops,  stationery shops, street cafés, supermarkets, telephone shops*, travel agencies,)  / Financial planning ideas - and how to save money in Spain ...  / Funeral insurance / Golf insurance / health and dental  insurance plans / Health insurance offers eg SMEs, catering, shops  / Home insurance (as an owner or tenant) / Horse insurance / Hunting insurance / Insurance for agricultural vehicles  / Insurance for Building Companies / Insurance for Electrical Equipment / Insurance for Haulage Companies / Insurance for Companies selling or renting equipment / International health insurance (transfer your Sanitas rights both ways) / Life insurance (protect your family if you die or become disabled) / Machinery Breakdown Insurance / Maritime insurance (crews only)   / Mobile insurance - checklists adapted to your mobile screen...   / Mortgage repayment life insurance (it may be cheaper to replace your current mortgage repayment life insurance, eg people in Spain working with/in/on/at:) ( animals / aviation / building sector / Civil protection and police / countryside, vets / factories or mines   /  home makers or parks / hospitals, consulting rooms, clinics /  logistics and transport / office workers / press or mass media / sales reps  / ships, wharfs, at sea / shop workers, SMEs, cars, hotels / shows and culture / training, unemployed, retired ) / Motorbike-motorcycle insurance  / Office insurance / Responsabilidad Civil - PYMEs, fundaciones, asociaciones...  / Returning to the UK from abroad? (you may not be covered by the NHS for 6 months) / Seguro contra daños (RC) / Seguro de amortización, por ejemplo personas que trabajan con/en: ( animales / aviación / barcos, muelles, alta mar /  campo y veterinarios / casa o cuidando parques / construcción / en la calle / espectáculos y cultura / fábricas o minas  / formación, desempleados, jubilados / hospitales, consultas, clínicas  / logística y transporte / oficinas / prensa o medios de comunicación /  protección civil y policía / tiendas, pymes, bares, hoteles  ) /  Seguro de automoción (talleres de automóviles, mecánico, eléctrico, chapa y pintura, estaciones de servicio, túneles de lavado, garajes, concesionarios (con o sin talleres de reparación de vehículos) / Seguro de Comercio (agencias de viajes, bares, cafeterías, charcuterías, clubes, discotecas, farmacias, ferreterías, floristerías,  fruterías, gimnasios, joyerías*, locutorios telefónicos, ópticas, papelerías, pastelerías, peluquerías, quioscos (periódicos, freidurías y bares en la vía pública), relojerías*,  restaurantes, salones de belleza, salones recreativos, sex-shops, supermercados, tiendas de calzado, tiendas de productos dietéticos, tiendas de regalos, tiendas de teléfonos*, tragaperras, traperías y desperdicios )  / Seguro de Comunidades /  Seguro de decesos / Seguro de empresas (almacenes, ayuntamientos, clínicas, espectáculos, escuelas, fábricas, iglesias, talleres metalúrgicas / textil / cuero / plásticos y goma / papel y cartón / productos químicos)  / seguros agrarios  / Seguros para casas rurales, hoteles, fondas, pensiones, complejos turísticos / insurance for rural houses, hotels, guest houses, bed and breakfast, tourist resorts  / seguros para transportistas / transport hauliers / road haulage insurance / seguros - vehículos agrícolas  / seguros pecuarios - para su ganado ovino, bovino, caprino y aviar /insurance for sheep, cows, goats, poultry / Shop insurance / Travel insurance - visa compliant eg for US students, tourists or business trips, includes dangerous areas, professions and sports / 

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