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since 7/2002
accident insurance Spain
agencia vinculada de seguros
boat and golf insurance in Spain
business insurance in Spain
car
insurance in Spain
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"couples"
dental and medical insurance plans
English insurance agent in Spain
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Commercial Premises - Important Note
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Retirement?
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Spain
Teachers - international health cover (Spain)
traducciones juradas (sworn translations)
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www.e-healthinsuranceservices.com
Sanitas Health Plan
Complete. General Conditions:
XVI. COMPLAINTS PROCEDURE
A. Control over the Insurance Company's business activity
lies with the Spanish State and is exercised through the Directorate General for
Insurance and Pension Funds of the Ministry of the Economy.
B. For the settlement of any claim in relation to the
insurance company, the Policyholder, Insured, Beneficiary, Aggrieved Third Party
or Successor of any of these should write to the following address:
1. The Insurer's Customer Service Department - by means of
a letter addressed to Calle Ribera del Loira, 52 (28042 - Madrid - Spain) or to
fax + 34 91 585 24 80 or to the email address clientes @ sanitas.es which shall
acknowledge receipt in writing and issue a reasoned written decision.
2. Once the Insurer's above-mentioned internal channel has
been exhausted, or in the event of not being in agreement with its decision, a
claim may be lodged with the Insurance Ombudsman designated by the Insurer in
the following cases:
a) in cases of complaints involving an amount of not more
than EUROS 21,000 and that are concerned with the interpretation of the Policy
N.B. Complaints connected with the personal or professional performance of
doctors, hospitals and medical services in general supplying healthcare to
Insureds may not be submitted to the Insurance Ombusdman.
b) In cases where even though the complaint does not meet the above criteria,
the Insurer consents to submit to the Insurance Ombudsman.
In order to make a complaint to the Insurance Ombudsman, the claimant should
remit a written statement to post office box 50072 (28020 - Madrid - Spain)
detailing the grounds for his / her claim. In the light of this, the Ombudsman
shall give written acknowledgement of receipt and declare himself / herself
either competent or non-competent and, after studying the claim, issue - within
1 month of his declaring himself / herself competent (barring exceptions in
which this time limit may be extended to the legal maximum of 2 months including
the period elapsed since its submission to the Insurer's Client Service
Department) - a reasoned ruling, which shall be communicated in writing both to
the claimant and to the Insurance Company, for which it shall be binding.
3. A complaint may also be brought before the Directorate General for
Insurance. For this purpose, the claimant should establish that the stipulated
time limit for the settlement of the claim by the Insurance Ombudsman has
expired or that his / her application has been rejected.
4. In any case, a claim may be brought before the relevant Courts and
Tribunals in Spain.
You can choose the level of cover you need:
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 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 / road haulage insurance /
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 /
(..主要健康计划......),
Zahn- und Krankenversicherung in Spanien wenn Sie den Versicherungsantrag und
die allgemeinen Bedingungen auf Deutsch möchten ...
and more insurance products!
Some clients...
life insurance in Spain
Contact / contacto ...
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