Asssa Avis 141

Initially they were great however when I discovered I had a cancerous Carcinoma..this is what happened., Firstly I had to travel an hour and a half to see specialist after seeing doctor near me.
Medical Insurance disputes paying for me to have a procedure to remove a carcinoma I noticed AFTER the policy started. The Policy is specifically no waiting time no co pay policy.

They say “ the carcinoma started growing before the policy started”.

I say, it may well have. It was noticed AFTER the policy started as it was only discovered by myself after the policy started. The dermatologist discovered 2 other carcinomas I didn’t know about.

I am going to fight them.

Does that mean that if something extremely untoward was discovered in my body such as heart disease that I knew nothing about, cant see or discover without a specialist they will also reject that claim on the basis that this started manifesting itself a long time ago??? Utter rubbish

Ive demanded complainst form after talking to lawyer

From the initial enquiry, through underwriting to the speedy issue of the certificate, nothing was too much trouble, answered all the questions and provided info immediately, I can honestly say I have not seen this level of customer service before, in the UK or in Spain. Judith Gil is an exceptional asset to this company

Estoy con ASSSA hace más de 5 años. Su servicio es excelente y me ayudan en todo. Tienen muchos centros médicos para elegir y estoy muy tranquila de contar con ellos para cuidar mi salud. ¡5 estrellas!

Had to pay an entire year for an insurance I wasn't using because I wouldn't be in the country. The best they could do was 20% off. Scammers

ASSSA advertises that they cover radiology in their Standard Policy. I need this treatment for prostate cancer. The excellent and world known radiologist I was sent to see explained the various treatments and the timelines . The first and OUTDATED method is a treatment of 40 sessions , this is the only treatment ASSSA covers and the 5 treatment cure , which 99 % of men choose is NOT covered. The clinic does give a % break on the cost of the treatment as they know everyone with ASSSA will be paying out of pocket. At the clinic / hospital they said ASSSA is the only company to not cover the newest methods that this doctor uses. The treatment is just under 10,000 euros and not a penny is covered by my insurance ! This is not right or fair to their clients .

Margaux at the Figures office is brilliant. Nothing is too much trouble,and makes the process so stress free. Would and have recommended Margaux and Asssa.

I just got your Summum health insurance, the explanations and kindness of Natascha in your office in Calpe was excellent.

Not good at accepting cancellation, charge for another full year.

Ich kann nur jedem von einem Vertrag mit diesem Unternehmen abraten. Keine Ahnung, auf welche Weise sie ihre Mitarbeiter rekrutieren, deren Inkompetenz spricht allerdings Bände. Ich habe im August 2022 in Denia einen Vertrag für eine private Krankenversicherung abgeschlossen. Leider. Der Vertrag sollte im September beginnen. Wie sich dann herausstellte, hatte er schon im August begonnen. Zumindest mit den Aufrechnung der Abbuchungen von meinem Konto. Als Vorerkrankung hatte ich einen schnellenden Finger der linken Hand angegeben. Der wurde vom Vertrag ausgeschlossen. Als ich Monate später wegen der Vertragsunterlagen nachfragte, meinte die diensthabende Dame, eine Deutsche, sie würde mir die Unterlagen persönlich vorbeibringen. Ich wohne auf dem Land und schickte ihr die GPS Koordinaten. An besagtem Tage wartete ich. Sie kam nicht. Sie rief an: "... wo wohnen Sie denn? Ich kann das nicht finden..." Ich frage, wo sie denn sei. Sie; "´Weiß ich nicht...komme gleich". Ich warte. Sie ruft an: "Ja wo ist das denn?.." Ich: "Sie haben doch meine GPS Daten!" Sie: "(in ärgerlichem Ton) ich habe aber mein Handy nicht dabei.." Ich (ratlos): Aber Sie rufen doch an?" Sie: (vorwurfsvoll) "das ist das andere Handy..."
Schließlich kommt sie mit anderthalbstündiger Verspätung völlig abgekämpft bei mir an. Ich hatte ihr meinen Standort noch einmal übermittelt. Sie, vorfwurfsvoll: "Wo wohnen SIE denn?"ICH BITTE AN DIESER STELLE VIELMALS UM ENTSCHULDIGUNG. Ich wohne auf dem Land, 5 bis 7 Minuten von Mercadona und Aldi entfernt. Weil sie nun so viel Zeit zum Auffinden meines Wohnorts verschwendet hat, bleibt weder Form noch Höflichkeit. Sie knickt die Seiten des ASSSA Handbuches um, die für mich relevant sind und rauscht ab. Ende Dezember 2022 will ich bei der ASSSA die Zustimmung für einen operativen Eingriff am Gelenk der rechten Hand einholen. Leider habe ich wieder mit besagter Dame aus Denia zu tun. Ihr bevorzugtes Konversationsmittel sind Sprachnachrichten über whatsapp. Ich schreibe, sie spricht. Nachdem das ungefähr zehn Mal nervtötend hin und hergegangen ist, bitte ich um einen Anruf. Sie spricht: "Ich habe aber gerade ein Telefonat!" Wie bitte? Sie schickt Sprachnachrichten und telefoniert gleichzeitig? DAS MUSS MAN NICHT VERSTEHEN. Nach ein paar Minuten rufe ich an. Sie: "Hallo?...Hallo?.. Sind Sie da?. Ich: "Ja."Ich warte, daß sie was sagt. Sie sagt: Nichts. Dafür, nach einiger Zeit:"Hallo? Das ist aber eine schlechte Verbindung". Ich: "Sie müssen sprechen, wenn Sie telefonieren..". Sie meint in ziemlich pikiertem Tonfall, ich hätte doch diese Sache mit der Hand bei Vertragsabschluss angegeben. Ich erkläre ihr geduldig, dass es sich um einen schnellenden Finger der linken Hand gehandelt hätte. Der wäre inzwischen operiert. Nicht auf Kosten der ASSSA. Jetzt hätte ich Probleme mit dem rechten Handgelenk. Sie sagt, das müsse die Zentrale entscheiden. Ich höre wieder lange Zeit nichts von der ASSSA. Dann frage ich erneut an. Die Dame aus Denia meint, "die Zentrale" bräuchte den OP Bericht der Operation am schnellenden Daumen. Wie bitte? Die ASSSA braucht den OP Bericht über eine Operation mit der sie gar nichts zu tun hatte? Ich könnte den übermitteln. Will ich aber nicht. Die Dame aus Denia per Sprachnachricht: "Ich kann das verstehen. Ich kann das wirklich verstehen." Am 6. Februar 2023 frage ich dann nochmals an. Es kommt wieder eine Sprachnachricht. Ich antworte, dass ich eine schriftliche Nachricht haben will und das bitte per EMail. Die Dame aus Denia hat mir heute, am 07. Februar geantwortet, dass die ASSSA die Kosten für den Eingriff nicht übernehmen wird. Immerhin eine Antwort. Auch wenn sie stark nach Rache riecht.
Hände weg von dieser Versicherung

I have been with numerous insurance companies throughout the world. But nothing like ASSSA. Their policy works strictly for them, not the client. I needed to be insured for 1 year and after the expiration of my contract, they extended it without notifying me. Claiming they did, rather than solving it with me, they forwarded me to the higher authority with the threatening  email.
The customer service is not for the customers, as the whole company isn't.If you're coming to Spain, do some deep research. And avoid this unprofessionally running "business".

ASSSA Very polished marketing but policy falls short with too many exclusions and they send you 50 kms to see a specialist of their choice.
My neighbours husband and wife both needed hip replacements - Husband with DKV Seguros and wife with ASSSA. Husband was given the surgery and prosthesis and DKV paid all the cost in full and had a choice of 8 doctors around the town. Under ASSSA wife had virtually same but the wife had to pay for the prosthesis nearly 5.000,00€ and was sent 50km to see specialist.

I was at the time looking at an ASSSA policy and when I asked the ASSSA agent was Prosthesis covered in full he assured me it was. He phoned me a week later and I told him that he needed to learn about his own policy. I went with DKV but used an English Agency because I know that it is not easy to get ENGLISH speakers at Spanish call centers. The agency were really thorough and after I took the DKV policy helped me with all the processes for checks and treatment and they have been brilliant. So avoid ASSSA and go with a more comprehensive insurer but use an agency like Tailor Made Healthcare Spain.

this company is a joke, don't insurance with them. I gave my 1 month notice on 3 oct, 1st of 2nd was the weekend. they say I'm too late and need to pay for 2 months Nov and Dec. why 2 months? I don't know as the renewal was November. therefore, November should be the only month i have to pay for. also it took them until the 8 Nov to tell me, when i said i didn't agree and put it in email i didn't get the email until today. 30 Nov. Customer service shocking, value for money - zero. NEVER AGAIN

We Needed our medical insurance in place for our Spanish Visa Judith Gil from Asssa sorted everything out for us in 24hrs absolutely amazing company nothing was to much for them whole process sorted out for us with 20 mins to Spare for our Appointment at consulate can’t Thank them enough

Very bad customer service. You need an authorization for everything. I needed Physio and they only have one they work with in my town which was "fully booked" meaning they didn't want to take insured customers. So they wanted to send me to the nearby city which is like 35min drive. I cancelled.

Extremely helpful, respectful and to the point have made my life less stressful with ease of appointments, surgery and after care.
I needed to speak to head office in Alicante, when my local office was closed for the evening to gain authorisation for my extra nights stay in the Virgen del Mar hospital Almeria, at the end of April 2022. Within 5 minutes this was dealt with, promptly and courteously by the staff member, putting my already stressful situation at ease. I would thoroughly recommend this company. Thank you Asssa es.

We have had nothing but good experiences during our time as customers of ASSSA. I would particularly like to mention Esther Fernandez Sanz who works at the Quesada branch office. She is friendly, efficient and helpful in all her dealings with us. ASSSA provide a great service and we have no complaints whatsoever.

So an update on my husband's broken leg - still no resolution 4 DAYS LATER. Another clinic visit, more x rays to confirm what we already know, confirmation from ASSSA that yes they will pay...but that's as far as we get. The Torrox office say they are 'emailing the hospitals to find out next move'!! This is 4 days on...
This is worse than a third world country and we are paying for it. ASSSA WHERE ARE YOU?? Meanwhile my husband is in pain and extremely distraught.

My husband and are couldn't be happier with the exceptional services provided by Esther and the team at the ASSSA Quesada branch.
Esther in particular, who we deal with for all our health needs is extremely friendly, helpful and supportive in all aspects of the services ASSSA provides. If we don't know what to do, Esther explains things clearly and facilitates the necessary actions needed and nothing is ever too much trouble for her.
Totally efficient in communicating, Esther always responds to our emails and phone calls very quickly and we couldn't be happier. We have been clients with ASSSA since 2017and we would highly recommend ASSSA as an excellent health insurance provider.
We'd give 6 stars if we could choose. Esther is such a pleasure to work with for our all our health needs, always 'on the ball' and trying hard to get things done, always with the client's best interests at heart.

Ich bin sehr zufrieden mit der Beraterin Judith Gil der Agentur in Estepona. Sie spricht auch Deutsch, was sehr hilfreich für meine vielen Fragen war. Die Beratung war kompetent, und auf alle Fragen bekam ich für mich passende Antworten, sodass ich mich zwischen verschiedenen Krankenkassen richtig entscheiden konnte. Das Geschenk, dass ich 2 Monate lang keinen Betrag einzahlen muss, freut mich ganz besonders. Krankheitsfälle habe ich bisher keine, sodass ich zur späteren Abwicklung noch keine Aussagen machen kann. Ich freue mich sehr darüber, meine spezielle und sehr freundliche Kundenberaterin zu haben, an welche ich mich immer wenden kann.

I have been with Asssa for 5 years. I can recommend them, Esther in the Ciudad Quesada office is excellent, she will arrange everything and keep you informed all the way.
My only grudge is you hve to get authorisations for almost every test, which is annoying to say the least, but it doesn't take long to come through and then appointments etc are very quick and thorough. You also have lots of different hospitals and clinics to choose from