DCC and commission Spain

unforeseen

You've got to remember that a lot of of hospitals in Spain are private, as are some of the ambulances.

So if you turn up at a hospital A&E there is a fair chance it is private and you will have to pay the same as the locals or go find a public one. Privae hospitals donor accept EHIC cards.

Nebulous2

Those links are 5 years old! If you have an EHIC and use the public system, not the private one you should get it covered.

https://www.gov.uk/foreign-travel-advice/spain/health

Also see this about comparative costs.

https://www.google.co.uk/amp/s/amp.theguardian.com/society/2015/apr/07/treating-uk-tourists-in-europe-costs-five-times-more-than-equivalent-cost-to-nhs

adindas

Nebulous2 wrote: »

Those links are 5 years old! If you have an EHIC and use the public system, not the private one you should get it covered.

https://www.gov.uk/foreign-travel-advice/spain/health

Well, this entitlement was already there since EHIC was introduced in 1 January 2006, not recent. It is only that Spanish Public Hospital try denying EU people and instead asking for Travel Insurance.

It is only after they have been prompted a legal action they will become more accomodating.

But there are still cases reported where they still ask the travel insurance.

Nebulous2 wrote: »

Also see this about comparative costs.

https://www.google.co.uk/amp/s/amp.theguardian.com/society/2015/apr/07/treating-uk-tourists-in-europe-costs-five-times-more-than-equivalent-cost-to-nhs

This comparison is irrelevant as based on the EHIC agreement
" an EU citizen,if you unexpectedly fall ill during a temporary stay in another EU country - whether on holiday, a business trip or studying abroad are entitled to any medical treatment that can't wait until you get home. You have the same rights to health care as people insured in the country you are in.

chattychappy

Nebulous2 wrote: »

should

Apologies for the brutal cutting and pasting!

But there are lots of shoulds that float around the EU. The realities of enforcement are rather different.

My sister was involved in a coach accident just inside Austria. Onboard was a mix of Austrians and Brits. The Italian emergency services came to the rescue. At the state owned hospital the Brits were asked for insurance, not the Austrians. The "justification" was that the accident happened in Austria, so the Italians had no obligation to help the Brits. Had the accident happened inside Italy, then they would have been treated. Meanwhile the Austrians were treated anyway, because supposedly they had an "arrangement". The Brits refused to produce their insurance and they were treated against proof of ID/address and signing a form. My sister got a bill back in the UK and refused to pay. They never bothered to chase it.

System

chattychappy wrote: »

Apologies for the brutal cutting and pasting!

But there are lots of shoulds that float around the EU. The realities of enforcement are rather different.

My sister was involved in a coach accident just inside Austria. Onboard was a mix of Austrians and Brits. The Italian emergency services came to the rescue. At the state owned hospital the Brits were asked for insurance, not the Austrians. The "justification" was that the accident happened in Austria, so the Italians had no obligation to help the Brits. Had the accident happened inside Italy, then they would have been treated. Meanwhile the Austrians were treated anyway, because supposedly they had an "arrangement". The Brits refused to produce their insurance and they were treated against proof of ID/address and signing a form. My sister got a bill back in the UK and refused to pay. They never bothered to chase it.

At least with Brexit, they'll be no ambiguity...every cloud has a silver lining.

chattychappy

Heng_Leng wrote: »

At least with Brexit, they'll be no ambiguity...every cloud has a silver lining.

It seems there is an inbalance whilst different countries offer different levels of care via the state. People pay their taxes for a level of care dictated by the country they are in. But EHIC only entitles you to the same level of care offered to locals. So you can have the Brits potentially paying alot for a higher level of care, but getting a lower level of care when overseas, whilst EUs can pay less for a lower level of care but receive higher care when they come to the UK.

Somehow, after Brexit, I suspect we shall still be tied into the EHIC thing.

Candyapple

YorkshireBoy wrote: »

Recent experience? This thread reports a €3 fee being charged last month, albeit in the Balearics...

https://forums.moneysavingexpert.com/discussion/5690938

Just come back from Barcelona, Caixa Bank was free to withdraw from whereas Santander (€5) and Sabadell (can't remember) both were charging.

adindas

Candyapple wrote: »

Just come back from Barcelona, Caixa Bank was free to withdraw from whereas Santander (!!!8364;5) and Sabadell (can't remember) both were charging.

If you are using Santander debit card such as Santander 123, Santander Zero in Santander Cash Machine in Spain, it should be free. Santander Debit card is using Visa conversion rate.

From their general T&C p.19 section 8.4 LINK to T&C

"8.4 Santander cash machine fees when using a Visa debit card or cash in Spain Withdrawal from a Santander cash machine in Spain using a Visa debit card : Free

Currency conversion for using a Santander cash machine in Spain using a Visa debit card: Free"

zagfles

BBVA charged me EUR 1.87 to withdraw EUR 200, the charge was mentioned before the DCC option was displayed so presume it applied whether or not you chose DCC. Less than 1% so didn't bother trying to find another ATM.

jonesMUFCforever

zagfles wrote: »

BBVA charged me EUR 1.87 to withdraw EUR 200, the charge was mentioned before the DCC option was displayed so presume it applied whether or not you chose DCC. Less than 1% so didn't bother trying to find another ATM.

Yes that is an ATM fee nothing to do with your card issuer.