Asssa Reviews 

I always have fantastic service from Victoria. She is so helpful. Booking appointments and securing doctor's appointments when I have struggled. 5 stars from me.

I am giving Victoria at the Albox office 5 stars, she deserves nothing less, very friendly, efficient, and quick to deal with your concerns. Her company ASSSA would not be 5 stars but I would never give an insurance company that score as they are all the same, quick to take the premium and quick to look for how you aren't eligible for the treatment needed.

Perfect service.

Not understand what needs authorisation and how

Rebeca at head office was so helpful when I needed assistance arranging approval for a medical scan that wasnt available in my current area. She kept me constantly up to date whilst she researched alternative hospitals for me.
I couldn't have asked for a better service from ASSSA and would highly recommend.

This is an expensive way to get the necessary insurance for an NLVisa. Do not consider it medical coverage. Also you must cancel at least a month before it expires otherwise it renews automatically. I have not even been able to get my teeth cleaned. Try Sanitas for equal or better service for 23.8% of the cost. I definitely consider my purchase of this insurance an error based in ignorance.

We have been with Asssa for the past three years so thought it was the best time to share our experiences with others. Firstly, most 5* reviews on here are a reflection of the service from the local office and yes, that is nearly always very good. They are trying to sell you a product after all so they will be polite and go the last mile for you to get you on board. What we have experienced when we signed up is not what we expected. We have found that when we have needed to use the services, some of what people would call 'basic' treatments (eg a basic dental scan) were not included in our cover, which is probably why the 'user manual' is quite vague about what you are actually covered for and not covered for! You also have to get permission from Asssa BEFORE you have ANY non emergency procedure done (and most likely, emergency treatment) and this is when these surprises come to light. From reading other reviews and Social Media, many of their clients in Spain have also encountered these problems. Also, even though it states in their manual that most facilities are English speaking, we have found this not to be the case so don't rely on this until your Spanish is up to speed because this is not correct. Contrary to what they say, Asssa WILL increase your premium price each year regardless of whether you have any claims or not! After being in Spain for a couple of years, we decided to join the Spanish healthcare system with the 'Convenio Especial' arrangement. You are eligible to join this after just one year in Spain. PLEASE BE AWARE, Asssa won't let you go so easily, so if you do decide to take out a policy with them and at some point decide to leave, MAKE SURE that you give them at LEAST a months notice of cancellation of your policy renewing on 1st January OR THEY WILL automatically renew the policy and charge and hassle you for it as per their T&Cs which will result in costing you £thousands for something that you don't want or need! They will also threaten to persue this through the court system! There is no opt out from this auto renewal with Asssa! Our bad experiences with Asssa over the past three years leads us to recommend people to go elsewhere for your health insurance in Spain. There are many health insurance companies in Spain to choose from, I wish I had gone elsewhere!

I have recently had a bereavement and I would like to mention Dagmar in the Denia office for her kindness and for being so helpful to me at this sad time. She has also assisted me in the past when my husband was ill. I find her calm, gentle and kind. She has all the qualities needed for a difficult job.

The only thing you get with this company is a quicker appointment - absolutely no concern as to what consultant at hospital recommends they go for the cheapest option (in my case barbaric invasive surgery rather than new modern option) won't release me from policy early (in my case they approved an invasive operation €2500 - but wouldn't pay €3000 for more recommended modern proceedure I am not allowed to pay difference- madly ASSSA is holding me to €82 per month premiums till end of year (just over €700) whilst still approving €2500 operation (which I won't go for if they let me out of policy to allow me to save for modern proceedure (disgusting)

Be careful because Asssa is a very bad insurance. When you have a knee problem and need surgery, they refuse to perform the operation, claiming that you did not report it when signing the contract.
It is an unreliable insurance policy and should be avoided.

Like many folks who get a bit overwhelmed by all the private insurance options in Spain, we felt a bit stressed. We researched several companies and when we looked on Trust Pilot, ASSSA had the highest rating by far. After completing the application process, we now understand why the ratings are high. The entire process was relatively straightforward and when we had questions, we were expertly assisted by Judith G. Judith was patient, thorough and prompt. Thanks again Judith!

I used ASSSA for my health insurance when obtaining my residency 5 years ago . In those 5 years I have had health issues and always found ASSSA Very helpful in all aspects especially helping me in the language I speak when I never fully understood the processes I was going through. I have and will continue to recommend this company to my family and friends my wife has just gone through the process of joining and the ladies in the office couldn't be more helpful

Please AVOID this company. We used ASSSA for our health insurance whilst we was waiting for our residencia to be confirmed. They tried to get us to renew for a second year in which we was undecided but the women told us on the phone that we can take our time with that decision and if you dont want to renew, dont pay for the new policy and it will automatically be cancelled. On her advise, thats what we did and now we are being chased for a large payment for a family off 5. The calls we have received since this have been so rude and abrupt and threatening, we are actually in shock at how bad their customer service have been. Please avoid, there are plenty other options out there.

This is a terrible company which I would advise people to avoid at all costs. We paid in excess of £2000 for a policy which unfortunately due to a change in circumstances we were unable to proceed with. Asssa took the whole amount despite our policy not being due to start for another two months. Communication was very poor, almost non existent in fact. Additionally there was a significant data breach whereby they sent us information about another policy holder and their HIV status. They have no moral compass.

Following an accident (broken ribs) I had an x-ray at Quiron Hospital where they discovered a cancerous tumour in my lung. The Hospital then required a PET CT Scan be carried out. ASSSA advised me that the scan was not covered under the conditions of the STANDARD policy. I had this policy for 14 years at a cost of around EUR 1000 per annum. I had wrongly assumed I was covered for any event. I have since had the scan and surgery under the Spanish National Health system who have been excellent. My advice is to check out what you are covered for with ASSSA (Diagnostic Methods 3.4) as they certainly will not advise you so long as they are collecting your premium every month!

They take your money and pay for hardly anything. I’ve hand doesn’t know what other hand is doing. It’s costing us over €20000 for treatment

A terrible company, unethical, uncaring, garbage. Stay clear. They are always changing their requirements and have the WORST customer service. If there is a worse company, I have not seen it. We have wasted so much time with these clowns (payasos). We HATE them unreservedly.

I have been with Asssa for 9 years or more and have on a few occasions over the years wondered what I was paying for! Every time I have used their services and it hasn’t been much, I am met with a long wait before I received things as simple as physio. Some doctors that are under Asssa are not authorised to suggest treatments until you get a referral from a trauma department. Then you have to wait for Asssa to authorise the treatment. If I had something more serious wrong with me, I’d probably be dead. Example, pain in neck and shoulder. It’s now a month since I had the first doctors appointment which took 3 weeks to get and I am still waiting for authority from Asssa to get treatment. I also do not understand why I should continue to pay for a service that I am not receiving! It’s a yearly contract in Spain with any health insurance. I would of been better off saving the thousands given to Asssa over the years and when needed, pay for my own private treatments with a doctor I trust. When you produce your Asssa card at the doctors receptionist, you can almost feel that they don’t want to deal with patience’s from Asssa. It was the receptionist that cancelled my physio in the first place because the doctor did not have authority! Before signing your health away to any health insurance because they offer a great price, do your homework.

Run away and do it quick!
Horrible customer care, confusing and time-consuming process and the selection of service providers is shocking (the will send you to the shadies clinics that are not even appropriately equipped).
They will tell you that the service is covered and then inform you that you will be charged for it after you've completed it.
Any condition that your doctor identify, they will claim is pre-existing and it's not covered by the policy.
Save yourself the trouble and look for a proper insurance company.

I had a truly pleasant consultancy experience with ASSSA. Ms. Rosa Ruiz was exceptional throughout the entire process.

I was exploring suitable insurance options to support my job-seeking visa application in Spain after completing my studies. Ms. Rosa Ruiz responded to all my detailed questions with clarity, patience, and professionalism. Her responses were timely and very informative.

Moreover, due to some personal circumstances, I was unable to respond to her promptly regarding my decision. Despite this, Ms. Rosa Ruiz kindly followed up to check on my situation, showing genuine care for the customer and great dedication to her work.

Unfortunately, due to personal circumstances, I had to return to my home country and leave Spain, even though my intention was to stay and continue the process. Otherwise, I would have certainly proceeded with ASSSA insurance, thanks to the outstanding support and attention Ms. Rosa Ruiz provided.