Bsure Health Brokers

A Spanish broker, not an insurer

Bsure Health Brokers is an insurance broker based in Spain, and its own comparison article says so plainly: "It isn't an insurer, but a broker that can help compare policy wording and obtain a quotation." The same article describes it as "a Marbella-based, independent health insurance brokerage serving residents and expats across Spain" and states: "The business has operated since 1989 and is registered with Spain's financial regulator, the Dirección General de Seguros y Fondos de Pensiones, under Broker Code CS-J-0300." The homepage repeats the registration: "We are a registered Insurance Brokerage with the financial authorities in Spain the DGSFP."

The about page calls Bsure "a fully registered family-owned insurance brokerage," based in Marbella, Málaga, that operates "across the whole of Spain," with a "bilingual English and Spanish team." It names the team. David Bloomfield, the managing director, "brings over 16 years of specialist insurance experience, including time in the London insurance market before joining Bsure in 2009." Philip Bloomfield "founded Bsure Insurance in 1989" and "is now fully retired from the business." Araceli has "been with Bsure since 2014" and is the contact many clients know for claims. Other named staff handle client accounts, health authorizations, administration and marketing.

Bsure's pages describe its relationship to insurers in two ways. The homepage says, "At Bsure have access to the whole insurance market." The visa checklist says, "As official agents for Sanitas, DKV, and Mapfre, we bring over 30 years of industry expertise to your side." The insurer a client ends up with is the company that writes and pays the policy; Bsure places it and supports the client afterward.

What the service includes

The homepage lists what the brokerage does: it will "compare the options with Top Insurers," "Provide quotes for serious health preconditions," and states "Our service is completely FREE." The about page explains how that works: "Don't charge a fee -our service is included in the price of the policy. Hard to believe, but the price will be the same as going direct." The homepage also claims "We can save you up to 40%," and Bsure's own comparison article adds that this "isn't a guaranteed result and can only be assessed after comparing an individual's existing and proposed cover."

Support continues after purchase. The comparison article lists "end-to-end support, including policy setup, documentation, renewals, amendments, and help with referrals, specialists, or emergency assistance," reachable by phone and WhatsApp, and says the site includes "an online cost estimator, but fixed premiums aren't published because quotations require personal information." The about page confirms help "with changes, renewals, and insurer communication," and that "all advice and support is available in English, with documentation provided in Spanish and available in English as well." The homepage promises the team "will respond to your request within 24 hrs."

The site's menu shows the plan types it arranges: national health plans, insurance for residence, family plans, "Health Plans for over 65s and 70s," plans covering preconditions, and international plans. The comparison article says Bsure "works with policies for retirees aged 65 and over, families, and applicants seeking options that may consider serious pre-existing conditions," and adds: "That doesn't mean acceptance is guaranteed. The insurer still decides whether to accept an applicant, apply exclusions, add a loading, or offer different terms."

The visa compliance work

Much of the site's substance is about Spanish visa health insurance, which Bsure presents as a core part of its service. Its visa checklist, a Bsure article, sets out what it says consulates look for, and every point below is the site's own statement, not a legal ruling. The consulate, it says, requires a level of protection that is "equivalent to the National Health System" (Seguridad Social). Policies must be "Sin Copagos," which the article defines as "you pay your premium and nothing else," and it notes that local co-payments are "often ranging from 2€ to 20€" per visit or test. On waiting periods, the article says "Typical Spanish policies include waiting periods of 6 to 10 months for complex diagnostic tests, hospitalisation, and major surgeries," and that "If you've held a similar private policy in your home country for at least a year, we can often persuade Spanish providers to waive the "carencias" entirely."

The same article says non-EU applicants need repatriation "due to any cause, including natural illness," not "accidents only"; that travel insurance is "an automatic grounds for rejection"; that consulates want a "Certificate of Coverage" in Spanish rather than an English policy booklet; and that "Most consulates now demand a 12-month upfront payment." It states that the Digital Nomad Visa and Non-Lucrative Visa share the same core requirements: "no co-payments, no waiting periods, and full repatriation coverage." Bsure says its team checks the "sin copagos" clause and repatriation wording before the client sees the document, and can help move a policy start date if a visa is delayed.

The comparison guides

Bsure publishes guides on the Spanish and international market. Its international article ranks "seven international health insurance options by real-life expat profile," placing Bsure itself first with the label "Best for: English-speaking expats in Spain, retirees, families, visa applicants, and applicants who need help interpreting underwriting decisions." Another guide covers Sanitas, DKV and Mapfre plans "alongside specific plans for Digital Nomad and Non-Lucrative visas," and a maternity guide explains that a carencia is "a waiting period tied to a specific benefit, not a delay on the whole policy." These are Bsure's own editorial pages, written by the broker that sells through them.

How to start

The homepage quote form asks for name, location in Spain, email, phone, date of birth, nationality and any preconditions, and the about page offers "a free, no obligation quote." The site publishes no premium, limit or deductible for a named plan; those come with the quote from the chosen insurer.

Who it suits

Bsure fits an English-speaking expat, retiree or family living in or moving to Spain who wants a local, DGSFP-registered broker to find a Spanish or international policy, handle Spanish-language paperwork and stay involved after the sale. Its visa checklist and certificate work are aimed at Non-Lucrative and Digital Nomad visa applicants, and its over 65 and preconditions work at older applicants and people with medical histories, with the final underwriting decision resting with the insurer.