Saturday, 23 September 2017

The mystery of Fibromyalgia...and a possible cure

Fibromyalgia is a mysterious type of syndrome affecting a lot of our generation and with no real clear proven test a yet. Many have been wrongly diagnosised with Lupes, arthritis, etc.

I am certain many of you can relate to some of the symptoms which you will find in this wikipedia link, regardless of  your age or gender...

One possible cure is the natural CBD oil....

Friday, 18 August 2017

Ancient homemade syrup that removes phlegm and cures cough & 10 home remedies

For those with a bad cough try out this homemade carrot syrup which will help remove phlegm from your lungs and cure your cough. Recipe can be found in this LINK.

In addition to this syrup, here are another 10 home remedies for coughs: LINK

10 Herbs to assist asthma and respiratory problems

On this LINK you will find the top 10 herbs for treating asthma:
  1. Oregano
  2. Ginkgo Biloba
  3. Ginger
  4. Garlic
  5. Slippery elm
  6. Licorice
  7. Tumeric
  8. Lemon grass
  9. Stinging nettle
  10. Bishop's weed

Tuesday, 15 August 2017

Natural remedies for asthma

Having lived here for more than 30 plus years, climate change is upon us as it is worldwide! We were lucky if we suffered a calima (North African wind sand storm) three times a year, now it is a regular occurrence!

Whether you suffer from asthma or any other respiratory issues....think about natural remedies to help you during these dusty and dry periods. In this link natural remedies you will find useful tips on how to prepare natural home remedies using: Ginger, mustard oil, figs, garlic, natural coffee, eucalyptus oil, honey, onions, lemons and carom seeds.

Sunday, 6 August 2017


First of all let's check if you are entitled to state/public health care in Spain.

  • EHIC (European Health Insurance card) entitles you to medical services in state/public health centres on temporary stays only in the Canary Islands/Spain. Highly recommended that you also take out travel insurance to cover any costly medical incidents.  
  • Tarjeta Canaria de Salud (blue card) issued only if:
    • You work and pay social security contributions in Spain
    • You receive a Spanish state pension or benefit
    • You are in receipt of a UK state pension obtain an S1 form and register with local INSS office 
    • As of 1st July, 2014 early retirees are no longer eligible for S1 form.

If none of the above apply, but you have a Residencia Certificate, issued prior to 24th April, 2012, and are registered Padron for more than a year, you may be eligible for health care on the basis of residency by applying for a Convenio Especial. If granted, the cost is 60€ per month up to 64 years of age and 157€ per month 65+ years for state/public health care. Please not that this does not cover prescription discounts or prosthetic aids.

Further useful information can be found on this link Health Care in Spain.

Many Expats will be aware that whilst you can find an abundance of public primary health centres, it is another matter in the case of public hospitals, specialists and/or consultants, due to the delays in the construction of Hospital Sur (Mojon), which inevitably means lengthy trips to the north and has created longer waiting lists for medical treatments. I personally, highly praise the state health system we have, I am able to converse in Spanish without an interpreter, but I do not like waiting periods;   1-2 months for diagnostic tests and 4 months for an x-ray, when I have had the same done within a week under private insurance.

My choice was simple and my partner and I sleep better at night knowing that we have a safety net in place with private insurance, if and when we require urgent medical services. We have access to a faster private medical diagnosis and services in the event of a serious medical condition.

The choice is now yours....You can find information on Adeslas health plans under the Health Plans tab. Please do not hesitate to contact me, should you require any questions answer, need more information or a free, no obligation quote.


12 Benefits of Dark Chocolate...

Tuesday, 25 July 2017

The benefits of Broccoli and Bests Foods for your Heart

Club Adeslas discounts - Go Fit

For Adeslas customers who have never been a GO fit subscriber: 15 days for € 15.

For Adeslas clients who want to pay GO fit for the first time: tuition and 1 month free (by taking 9 months in GO fit, the 10th month is free). Promotion valid for family and individual allowances.

Annual subscription: 12 months for the price of 10 months. Advance payment. Promotion valid for family and individual allowances.

Conditions valid for new subscribers to GO fit. Offer not valid for current GO fit customers or former GO fit subscribers.

The offers are valid only for face-to-face registration (not online registration).

The GO FIT Vallehermoso center is excluded from the conditions. 

Tuesday, 18 July 2017

Health Benefits of Tomatoes & Bananas

The Canary Islands are well known for their production of bananas and tomatoes which are exported throughout the world. Below you will find out the health benefits of these two products.

Saturday, 13 May 2017

Instant Car Hire Excess Insurance quote

Don't get ripped off with over inflated car hire excess charges. For full details of this insurance visit the "Travel" tab or use this LINK for an instant quote.

Instant Travel insurance for EU & UK residents

For EU and UK residents looking for travel insurance whether it be for pleasure, sports or business you can find more details under my "Travel" tab or click on the links below to obtain instant quotes and the insurance policy sent directly to your email account.

For EU residents you can find full details of the policies on this EU LINK
For UK residents you can find full details of the policies on this UK LINK

Travel Insurance - Europe & Worldwide

I have been receiving a lot of inquiries regarding travel insurance, therefore, in an effort to assist people looking for this type of insurance, I am going to give you some links to specific travel insurance companies I have researched, which are offering you value for money.

I am also including links to insurance companies that provide travel policies for the over 50's to 99 age group, with or without pre-existing medical conditions.

I trust that this will be of assistance and I will be adding more information and updates as I do more research on travel insurance policies.Visit this page for updates on a regular basis as I will be up-dating regularly and providing you with links below.
Worldwide Travel Insurance Services Ltd is regulated and authorised by FCA (Financial Conduct Authority) and offer UK and EU residents an extensive range of travel insurance policies. Whilst you may be in possession of a EHIC (European Health Insurance Card), this card only covers you for public health services treatment in the EU country that you are visiting. 

For EU residents you can find full details of the policies on this EU LINK
For UK residents you can find full details of the policies on this UK LINK

It is of great benefit and importance to cover yourself and your family when travelling in Europe or Worldwide with travel insurance to receive private medical treatments and insurance cover for the following areas:
  • Medical emergency expenses from £2,500,000 - £10,000,000
  • Hospital stay benefit
  • Cancellations or curtailment
  • Luggage
  • Personal money, accident or liability
  • Loss of passport
  • Travel delay
  • Missed departure and abandonment
  • Legal expenses
  • Ski equipment, ski pack and piste closure
  • Business personnel replacement
Policies are available in three categories: Standard, Super and Elite. Covering holiday periods from 31, 45 or 62 days for pleasure or business travel. You can take out the following types of travel policy:
  • Annual multi-trip
  • Single trip
  • Long stay
  • Winter sports
  • Cruises
  • Over 74's
  • Motorcycle

Watermelon skin benefits...

Car Hire Excess Insurance

Unfortunately the price you are quoted for your car hire is not the actual total price of the car hire. Many of you will have found this out to your disappointment when you arrive to collect your car hire and find that there is additional charge to be added for CDW (Collision Damage Waiver) which can be very costly double the cost!

For an instant online quote use this LINK

To avoid this you can take out Car Hire Excess Insurance. This insurance will cover you for damage or theft of the vehicle up to the value of £50,000. The insurance covers:

  • Collision Damage reimbursement allowing you to claim back charges in the event of vehicle damage or theft
  • Damages to any part of the vehicle including windows, tyres, lost/stolen keys and undercarriage
  • Misfuelling is covered under Deluxe
  • Hiring anywhere in Europe or Worldwide
  • For frequent car hire clients, we have an Annual multi-trip cover for up to 60 days per rental starting from as little as £41.00, which allows 4 named drivers from the same address
  • Single car hire, daily rates start from £2.30
  • Cross border is covered if allowed on the car hire agreement
  • The insurance also covers motor homes and camper vans
I have successfully used this insurance for some years now and have avoided the excess charges that the companies apply. Be warned they will insist that you are not covered by their own insurance, but you have peace of mind that you are covered in the event of a damaged or stolen vehicle, at an economical rate, not the elevated rates that they charge. ;-)

Saturday, 22 April 2017


There no such thing as NHS dental treatment in the Canary Islands. All dental work is charged privately, therefore, if you value your gnashers, want to keep them in prestine condition and give your best dazzling smile, it is recommendable that you take out dental insurance to obtain discounted rates on dental treatment.

For example:
  • A filling would cost you around 54.00€ with no insurance / with insurance 27.00€
  • A metal or porcelain crown would cost you 316.00€ no insurance / with insurance 158.00€
  • Titanium implant would cost you 990.00€ with no insurance / with insurance 495.00€
I think you get the idea! 

Using Optima Adeslas's own dental professional clinics you can obtain up to 50% discount on treatments or using partnered dentists to Adeslas up to 35%. Optima can also provide finance plans for your dental treatments.

These are just some of the 26 free dental services:
  • Consultation
  • Check-up
  • Emergency consultation
  • Dental cleaning tartrectomy
  • Oral hygiene education
  • Fluoride treatment session
  • Occlusal sealants (per tooth)
  • Dental x-rays
  • Dental Panoramic *
  • Lateral/frontal cranial teleradiography *
  • Pulp protection

Dental insurance for as little as 10.50€ per month or 8.93€ if you have health insurance as well. For 3+ people 19.00€ p.m. or 16.50€ with health insurance. Maximum of 6 people per dental policy. You can put 6 of your family or friends on the policy for only 3.16€ each per month! ;-)

There is no age limit and no questionnaire required for this insurance. No waiting period dental treatment are covered immediately.

On this link you can find all the Adeslas and affiliated dental clinics:

Friday, 21 April 2017

Funeral/Death Insurance

R.I.P. with an Adeslas Funeral insurance. Not a pleasant subject, but a necessity, we are all born to die! If you cherish yourself and your loved ones give them peace of mind with this death insurance policy.

The SegurCaixa funeral/death insurance covers all costs and formalities necessary when a person dies in order to assist and help family members in these difficult times. It gives support to the families of the insured by simplifying all the bureaucratic red tape involved with funerals, whether it is a burial or cremation.

Funeral Basic includes:
  • Funeral services: It covers the cost of the funeral services with a capital assurance of 4,201€
  • National transfer: Covers the shipment within Spain of the deceased back to Tenerife/Spain (for vacations under 60 days).  
  • Relocation International: Covers the transfer or repatriation from abroad to Spain of the deceased (including the spouse or significant other's expenses maximum 900€) e.g. death occurs whilst on holiday, relocation to Spain (for vacations under 60 days).
  • Psychological: Assistance for families when the insured's death occurred due to an accident or the deceased is under 18 years of age.
  • Legal: Assistance with document procurement, advice on legal procedures and court advice to facilitate and support in the necessary funeral arrangements
  • Logistics: Handling all the logistics and process of ALL the funeral arrangements
  • Languages: All transactions and communication by telephone via a multi-lingual, 24 hour service call centre in the language of your choice 
  • Freedom of choice: Burial or cremation service
  • Family policy: Ability to include multiple family members (3 people or more 10% discount).
  • No medical questionnaire: Policy holder only needs to validate that the policy holder(s) are in good health at the time of joining the insurance policy.
  • Accidental death: Should death occur via an accident (up to 70 years) 6.000€ assurance capital awarded to legal beneficiaries
Example of the cost:
55 year old                  €68.55
Are you ready for this.............? 

€68.55 per year!!!  YES, per year not per month (€5.71 p.m.)!

Funeral Optional Extras
For an additional small increment you can also have the following optional services included in your policy plan:
  • Wills: Administration and legal assistance will service 
  • Extra Services - music at funeral service, obituary, headstone, catering, etc. Capital assurance 1,000€
  • Studies plan - should the deceased have beneficiaries under 18 in school/college they would also receive 6,000€ each to continue their education in the event of accidental death. 200€ per month allowance.
  • Digital Plan: Administration of your digital internet footprint, closure of accounts on-line, social media profiles, banks, telephones, social security, pension, tax authorities, energy companies, etc., and identity theft protection, 
  • DNA storage -  Option to store deceased's DNA for 10 years
  • Accidental death is not included in the Funeral Complete Plans
For Funeral Optional Extras a free no obligation simulation will be carried out.

Funeral Plans
To give you an idea of the costs of Funeral Plans here are some prices from well known funeral companies operating in Spain which need to be paid as a lump sum or in installments over 5 years.  

Company A: charges from €48.16 for basic up to €112.50 for premium plan per month over a 5 year period with a €500 deposit. No additional charges. Lowest plan €3,390 - highest plan €7,250.

Company B: charges from €60.97 for basic up to €165.33 for premium plan + additional charges from €708 to €1920. Lowest plan €4,158 - highest plan €10,420

Company C: charges from €78.84 for basic up to €212.62 + additional charges from €1,086 - €3,126. Lowest plan €5,040 - highest plan €13,260

Worth noting if death should occur prior to full payment of the funeral plan the next of kin are responsible for the payment of the outstanding balance.

Whilst our insurance does not cover for repatriation of the deceased's body you can make arrangements to have the ashes transported back to their homeland. This should be stipulated to the Funeral Director arranging the cremation to ensure the appropriate vessel is supplied for on-board flight travel and paperwork. You will require their ID, death and certificate of cremation. Airlines should also be contacted to make them aware that you are carrying ashes. Permission also needs to be obtained from Spanish authorities to remove the remains from Spain. If possible, it is also advantegous to contact your local Spanish consulate to ensure a smooth arrival into the homeland of your loved one.

Tuesday, 11 April 2017

Home content insurance

Sound advice from Yoda....

If you are renting from a landlord/home owner, please be aware that you are not covered for your own personal contents under the landlord's home insurance. I cannot prevent loss of your prized possessions through theft, fire, floods....but, help you I can!

Monday, 6 March 2017

Club Adeslas discounts

With Adeslas private health care  we also offer you a network of establishments, in which by only presenting your insurance card you can access interesting benefits and discounts:

Make sure you enrol in the Club using your Adeslas policy card number on this link and click on Accede Ahora to register for your discounts.

More details about the discounts can be found below.

Club Adeslas discounts - Barceló Viajes

Permanent offer:

5% direct discount and 7% discount for reservations with 60 days in advance: Touristic packages of wholesalers Grupo Barceló, Circuits for Europe of Panavisión and Cruises.

Consult conditions. not applicable records group discounts, fees or management fees. Discounts cumulative with offers of tour operators and shipping companies; Not cumulative to other collective discounts.

Valid for Adeslas policyholders, accompanying persons and first-degree relatives.

Reservations at Barceló Viajes Offices and on the 902 200 400 identified with the Adeslas insured card.

7% off direct discount at Plan B Experiences!

Sunday, 5 March 2017

Home is where we should feel secure and comfortable.”Catherine Pulsifer

As a property owner, there is really no good reason to go without house insurance. Whether you are living in it or renting it out. A house is possibly the biggest and most important investment you'll every make, therefore, it is crucial for you to protect it for both your sake and your family's. 

This does not only apply to property owners, those renting accommodation (tennants) are not covered for their personal possessions by the landlord's insurance, which is covering the building and their own personal affects. If you cherish your belongings you should consider content insurance if there is a fire, flood, break-in at least you will have peace of mind and be covered for your own personal belongings in such an event. 

Imagine if your "Home Sweet Home" was:
  • Burnt to the ground and you had no insurance cover to start over again?
  • Flooded due to a burst pipe and your electronics fried beyond repair?
  • Burgled and all your prize possessions stolen?
Home insurance is important not only for the re-structure and construction of the property, but also for your personal and essential possessions that you have gathered over the years, furniture, clothing, electronics, etc. Imagine the cost of re-building and replacing everything and starting all over again!

Our fully comprehensive insurance covers you for:
  • Burglary/Robbery outside of the property (600€)
  • Burglary to property, annexes, garden sheds, storage areas
  • Fire, explosion, lighting strike
  • Water damage, piping, fuel spillage, oversights in turning off taps or the like, broken pipes, frost damage (maybe not for Tenerife!!) 
  • Damage from water leakage defeats of sealing joints in bathtubs, showers, sinks or similar 
  • Repair to pipes 
  • Electrical repairs
  • Costs to repair blocked pipes
  • Fire damage
  • Glass breakages
  • Personal contents, furnishings
  • Jewellery (up to 10,000€)
  • Objects of value, antiques, paintings (up to 10,000€)
  • Replacement locks
  • Replacement documentation
  • Breakages of glass, marble, santitary appliances, ceramic hobs
  • Damages caused by vandalism, atmospheric phenomena, flooding, impact, sound waves and smoke
  • Civil responsibility
  • Household contents
  • 24 hour Assistance 365 days

Saturday, 4 March 2017

Club Adeslas discounts - Sarquavitae

Club Adeslas members are entitled to the following discounts with Sarquavitae:

  • SARquavitae is the largest platform in Spain for socio-health care services for people. It is organized in five lines of activity: residential centers and day centers, home care, homes with services and telecare.

  • 10% discount on private rates on the network of more than 50 residential centers and day centers SARquavitae:
  • Temporary stays: Family respite (programs adapted to the personal needs at weekends, transfers, vacations, rest of the caretaker) and Convalescence stays.
  • Permanent stays: Care for autonomous or dependent elderly people; Specialized care in the care of Alzheimer's patients and other dementias; Treatment of processes and complex situations of people with great disability.
  • 10% discount on official rates for indefinite and temporary stays in ADOREA services (Benalmádena, Girona and Sevilla):
  • Apartments for rent for people who appreciate the advantages of having in their own home with all the services that may be needed both domestic and hotel and, where appropriate, health and welfare.
  • 10% discount on official Teleassistance rates Fixed with a minimum stay of one year in the service.

Special conditions for new customers.Discounts applicable to official rates, not cumulative to other discounts and according to the availability of places at any time.For the service of Teleassistance it is necessary a stay of one year in the service.The discount on Homes with services is applied during the first year for indefinite stays.

Saturday, 25 February 2017

Club Adeslas discounts - Hotelopia

Club Adeslas members receive the following discounts at Hotelopia:

Special conditions for policyholders of Adeslas:

    • 11% direct discount on hotels, transfers and online activities
    • 11% discount on more than 70,000 establishments; Hotels and apartments in coasts, islands, Spanish cities and in more than 7,500 destinations in Europe, Africa, America, the Caribbean and Asia.
    • 10% discount on car rental.
    • All discounts are applied directly on the web (Access via Club Adeslas)
    • Discount applied also in transfers, excursions, tickets to theme parks, shows and museums, Ski Packages, hotel + spa, etc.
    • Best price guaranteed (at Hotelopia rates with the discount applied and according to general conditions of the web)
    • Security and confidence; Hotelopia is part of Hotelbeds Group with more than 20 years of experience and more than 30 million customers per year.

    Club Adeslas discounts - Spatermal

    Club Adeslas members can have the following discounts via Spatermal:

    • 20% discount on thermal circuits.

    • 5-15% discount on massages and beauty treatments.

    Discounts not cumulative to other offers and subscriptions or domestic as hoteliers and, where appropriate, health and welfare.

    Club Adeslas discounts - Hertz

    Club Adeslas members can obtain the following discounts by accessing the website for Adeslas clients
    • 10% discount on monthly rentals in Spain.
    • 10% discount on rest week rentals in Spain.

    • 15% discount on weekend rental rates in Spain.

    • Club Adeslas (CDP) discount code: 648736
    Offers not cumulative to other discounts or promotions.

    Club Adeslas discounts - Natural Optics

    Did you know that with your Club Adeslas you can have the following discounts on glasses at Natural Optics stores:

    • 15% discount on sunglasses and prescription glasses own brands (Antonio Miró, Papi Mundi, Be Natural, Miró Jeans).
    • 10% discount on sunglasses and other branded prescription glasses.
    • Free basic visual check. Includes graduation subject to the purchase of glasses.
    • Discounts not cumulative to other promotions and current offers in the optics.

    Check out their website on this link to see their range of glasses.