The welfare state in Europe is basically no longer sustainable. Luckily the insurance industry is starting to respond with a wider variety of products to an increasing demand for private health insurance. Currently health insurance products in Spain fall into two main categories and premium rates tend to be very competitive.
There are concepts you need to know when insuring your home in Spain. Home insurance is different depending on countries, and sometimes saving a little on the premium may leave you without cover in case of claim. Price is important, but the sum insured, the scope of coverage and the responsibility, are important too.
'Golden rules' for anyone seeking to buy private health insurance, or indeed for those who already have it, but who want to avoid any nasty surprises in the event of a claim.
General The recent turmoil in the worlds economy has served to highlight that the welfare state in Europe as we know it, is no longer sustainable. One of the consequences will be that the way in which Governments provide healthcare will experience a major upheaval, with more onus being placed on individuals to bear a
An accident in your home does not just have financial consequences; it may have other effects that disrupt your everyday life. At Op de Beeck & Worth we have an in-house department exclusively to handle claims and we are by your side every step of the way. Below is a guide to the key points involved
This is the conclusion of research recently conducted by GLOBAL ACTUARIAL and INESE through mystery shoppers who contacted 28 insurance companies and banks that sell insurance in Spain. They analysed the premiums and cover for Life Assurance sold by banks and insurance companies. The reference point they used for comparison was life and total disablement cover for
According to the latest data from Kelisto, 2013 saw the highest level of burglaries since this index began to be measured in 1998. Málaga is a clear example: during the first half of 2013, 2,612 burglaries were reported, 12.4% more than the same period in 2012 and the highest burglary figure recorded since 1998. Due to the
The death of a loved one is a very sad and troubled time when you also have to deal with countless arrangements including the burial, the funeral and bureaucratic procedures. Added to this, very high costs start to pile up if you are not covered by insurance. For people who live abroad it is even
Just 19% of companies in Spain have taken out Directors and Officers Insurance; yet we are living in an especially complex and demanding environment in which customers, suppliers and employees expose officers of companies large and small to risks and claims. New digital environments, constant changes to laws and regulations, an unstable economy and the need to
According to the Third Hiscox DNA of an Entrepreneur Study, based on a sample of 3,000 SMEs in Europe and the United States, three out of ten Spanish SMEs only take out basic compulsory General Liability Insurance and only 28% take out Professional Indemnity Insurance in Spain, compared with 70% in France and 50% in the UK. 19%
