So, I've recently hit 30 and I've lost a lot of youth benefits for that. And so, until my retirement benefits in about 35 years (if I'm lucky), I had to search around and reorganize my paperwork. And so, I am now the owner of a fancy golden visa, or however is called. This provides me with health insurance abroad, which is something I can certainly use because, as somebody might have noticed, I travel a lot. Full year worldwide health insurance for 50€ a year, plus the other benefits of that card, is a pretty sweet deal.

That said, the card has a point on terms & conditions that goes something like "coverage is valid for trips of up till 90 days" or something like that. I'm a bit uncertain about that clause, so I asked about in the bank and they couldn't give me a straight answer. Maybe it is that I get coverage for 90 days since I went abroad. Maybe it's 90 days since I got the visa stamp of entry to a country, which generally mean you've got free access through Europe. They rule out the idea that you're not covered if you stay more than 90 days 35km away from your registered address. I apparently don't need to have a return ticket within those 90 days for the coverage to take effect. But it's all the interpretation of people who weren't all that certain about it.

So I thought, why not ask our dear community? With the different backgrounds here, maybe somebody knows some technicalities about it? I can look it up again and translate the exact clause to English the best I can, I have the papers in the backpack, but I might still get it wrong. Anyway, if you know specifics on this, please let me know.

Get myself checked out? No way! What if they actually cure me?

Well then you don't need insurance on the card do you ?:-)

Of course I don't need it. But I might need it in the future, which is what this is for.

Just to be clear, I do think the insurance coverage is legit. The matter here is whether or not they have ground to weasel out of it due to my uncommon circumstances. This is a coverage for trips, and me being on a permanent trip can be said to be a way to game the system. And I can't say they would be entirely wrong if they did say that.

They have to adhere to what ever they have stated in the conditions or contract.
Now whether they do or not is up to the individual,some people won't do anything if they are ripped.
As for me I'll go at them until satisfied.

The problem is that I'm not entirely certain of how to interpret that one clause, and the guy at the bank was similarly unclear. I apparently am an edge case and they were not able to give me full details. This is why I thought maybe someone here had an experience with this, as it's an insurance with some European company I think and it's probably quite a standard term.

Not entirely on topic, but relevant:

Have you got an EHIC (European Health Insurance Card)?
Assuming you are an EU citizen (not sure whether that's the case or not) it entitles you to cheap or free healthcare in the EU. It's not a replacement for health or travel insurance but it's free and well worth having.
https://www.gov.uk/european-health-insurance-card
That's the UK link, Google didn't want to give me anything else.

As for the actual question it would somewhat depend on the phrasing. I think I've got a similar clause in my car insurance which basically covers me to drive in Europe for up to 30 days but I need to come back to the UK (for 30 days I think) before I can get it again.
But that detail was all present in the terms, so if all they say is covered for 90 days it certainly is a bit ambiguous.

I agree in principle, unfortunately I'm in no condition to do that. I only spend a very limited amount of time around my hometown and it was just enough to get my card on time, getting to talk to the branch manager was about my limit. If anything, I get the feeling they won't look too much into it as the people who should be getting my application told me they would accept it.

The guy who usually took this request and explained me some of the previous cases he had to attend, he just asked for the visa entry date in Colombia for instance, and that was all he needed. I'd say I'll be safe most of the time, but if I just so happen to get an asshole look at it when I call, I might be in trouble. A tiny bit of too many conditionals, though.

I have a private health insurance with similar terms. In my case, it's a 90 day travel insurance. I can visit a doc if I'm sick and if I have to go to the hospital (accident, heart attack, Ebola oO), they fix me up until I'm ready for transport into a hospital in my country. The insurance agent told me that it is 90 days for each trip, but that I have to have my centre of vital interests here in Spain (I have to be here in normal case).

In your case... Well... Do you have a "centre of vital interests" if you're abroad most of the time? We all know how insurances tick if they have to pay something :/

I think my clause is similar, I think, but it doesn't mention any centre of vital interests and just says "abroad". I'm still registered as living at my parents', so as I've been told, it may be as simple as "every time I go to Spain it resets the counter". Problem is, they guys at the branch office could only give me their interpretation, which may not be correct once shit hits the fan.

Mine doesn't mention a "centre of vital interests" either. That's why I wrote "The insurance agent told me [...]". I asked him because back then I still visited my family in Germany two or three times a year and got invited to a couple of fairs, workshops and get-togethers. I just wanted to be sure how those 90 days are counted since I wasn't sure if I'll exceed 90 days in total.


OT:
Oh yeah, turning 30 in Spain really sucks! Happened to me eight months ago :(

Call or write the insurance company in question and request an answer in writing clarifying the clause. Keep a copy of their written response with you at all times while traveling (so you have documentation if there's ever any doubt).

Loosing the gazte txartela was certainly a blow :(