www.e-quot.es .. health and dental insurance plans for Costa del Sol, Spain ( Mainly health plans - dental, travel and medical insurance plans for Spain and worldwide ) expat, house and contents, life, accident, maritime, car, motorbike, transport, office

www.e-quot.es

English insurance agent offering international health, dental, medical and travel insurance cover. Also ...business, life, house and contents, car, motorbikes, mopeds, boat, golf, accident, and other kinds of insurance for expatriates (and non-expats) in Spain.

2011

Annual travel plan (covers 2 people) - all countries outside Spain for up to 30 days a trip, for as many trips you want to make

2010

monthly premium (euros)

				Mr	Mrs
Plan	More information	Documentacion	Helpline	euros / month		euros / month
Sanitas Health Plan Basic	Sanitas Health Plan Basic	English	Spanish / English	23,33		28,60
Sanitas Health Plan Classic	Sanitas Health Plan Classic	English	Spanish / English	63,38		89,10
Sanitas Multi	Sanitas Multi	Spanish	Spanish	91,71		121,30
Sanitas dental	Sanitas Dental	Spanish	Spanish	9,25		9,25

Annual travel insurance (covering up to 30 days each trip, multiple trips during the year). Quote includes both of you (and can be paid in euros, pounds sterling, Swiss Francs or US dollars).

If you choose the option 'non-medical cover' (not included in quote) .. apart from other cover, you are also covered for delays due to volcanic activity!

Your insurance quote

Insurance	Annual Travel Worldwide Travel Options
Cover period	01-06-2010 to 31-05-2011 (Both days included)
Non-Medical Option	No
Trip Cancellation Option	No
Premium	EUR 354
Premium tax Spain	EUR 21
Online Discount	EUR 18
Total premium	EUR 357

Your insurance quote (Bermuda residence)

Insurance	Annual Travel
Cover period	01-06-2010 to 31-05-2011 (Both days included)
Non-Medical Option	No
Trip Cancellation Option	No
Premium	EUR 354
Online Discount	EUR 18
Total premium	EUR 336

Your insurance quote

Insurance	Annual Travel
Cover period	01-06-2010 to 31-05-2011 (Both days included)
Cover non-medical option	Yes
Trip Cancellation Option	No
Premium	EUR 532
Online Discount	EUR 26
Total premium	EUR 506

Health, dental - and annual insurance plans (for Spain)

Co-payments...

Sanitas - FAQs (English)

(Premium areas in Spain - 2010)

Accident Insurance Boating insurance Car Insurance Golf insurance Sanitas - health and dental insurance plans in Spain Household Insurance Hunting insurance Legal Expenses Insurance Life insurance Motorbike Insurance Travel insurance Civil Liability Insurance Insurance for Small and medium sized enterprises (SMEs) Insurance for Electrical Equipment Insurance for Haulage Companies Insurance for Companies selling or renting equipment (eg leasing) Machinery Breakdown Insurance Office Insurance Shop Insurance

Insurance Intermediary - registered with the Spanish Insurance authorities

In Yunquera de Henares (Guadalajara), the …22nd………… of ……May………………… 2010…..

David Harris Geritie, with identity number DNI 70083651Y acting as legal representative of Mainly Health Plans SL based in Yunquera de Henares, Guadalajara province, postal code 19210, 7 Vizconde de Valoria street, and company registered number CIF B19250372

State that:

First. Activity.

· Mainly Health Plans SL is a linked insurance agency which undertakes a professional commercial activity, in compliance with article 20 of Law 26/2006, dated 17 July, about selling insurance and private re-insurance.

· By means of agency contracts with several insurance companies and inscription in the special administrative Register for insurance intermediaries, re-insurance brokers and top managers, there is an undertaking to sell insurance in accordance with article 2.1 of that law, in accordance with the terms agreed in the insurance contracts.

Second:

· Non exclusivity.

Mainly Health Plans SL is not contractually bound to sell insurance for any single insurance company. However, being an intermediary between policyholders and insured persons, on the one hand, and authorised insurance companies offering private insurance on the other hand, does not imply that the company provides advice based on the obligation of carrying out objective analysis.

Here you will find a current list of insurance companies with which agency contracts exist for the insurance product offered.

Third. Register.

· Mainly Health Plans SL is inscribed in the Special Administrative Registry for insurance intermediaries, re-insurance brokers and top managers maintained by the Spanish Insurance and Pension authorities (‘ Dirección General de Seguros y Fondos de Pensiones’), with registration number AJ0052 . This Register is public and can be consulted by writing to the ‘Dirección General de Seguros y Fondos de Pensiones’, or consulting the web page http://www.dgsfp.meh.es

Fourth. Customer Service.

· To attend and solve complaints and demands relating to the performance of its insurance agents, the insurance companies with which Mainly Health Plans SL has signed linked insurance contracts have Customer Service Departments. This Department is obliged to resolve any complaints or demands within 2 months of sending the complaint. If the client is dissatisfied with the answer, the client can access the service which defends insurance clients (the ‘Comisionado para la Defensa del Asegurado’), for which it is essential to show that the complaint or demand was submitted to the Customer Service of the relevant insurance company in writing.

Fifth. Personal Data Protection.

· In compliance with the Data Protection Law, of 13th December,(‘ Protección de Datos de Carácter Personal (LOPD)’) and the law about selling insurance and private re-insurance (Law 26/2006, of 17th July), the client is hereby informed that data of a personal nature requested will be processed and registered in a file.

The purpose of collecting and processing Personal Data is that of maintaining the relationship between Mainly Health Plans SL and its clients: the selling of insurance, as defined in article 2.1 of Law 26/2006, of 17^th July, about selling insurance and private re-insurance, as a linked insurance agency.

Personal data must be provided given the need to maintain and carry out the service and will only be given to the insurance company with which an insurance contract is signed.

Furthermore, the client is informed of the right that can be exercised at any time, regarding personal data provided; the rights of access, rectification, cancellation and opposition to. The client has to contact the insurance company responsible for processing this data, at the address indicated on the insurance contract attaching this document to the contents.

The client Mr / Mrs…………(ref: GP22052010)………………………………….

Identification number DNI………………………………………………………………..

Insurance Intermediary - registered with the Spanish Insurance authorities

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

www.e-cotizacion.es

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 )

Sanitas plans and products I am authorised to offer;

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)

For your information: Insurance in Spain...

'sociedad de agencia de seguros vinculada' - seguros...

Sus derechos (Ley de Mediación) - ¡Se ruega imprimir una copia de su cotización! (aunque por su información la cotización permanecerá aquí si lo necesita...)

¡Se ruega imprimir una copia de su cotización!

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