Aegon Non-Lucrative Visa Health Insurance is a popular option for people applying for Spanish residency and long-stay visas who require comprehensive private healthcare cover in Spain. The Aegon Visa & Residency policy provides access to an extensive network of doctors, specialists, clinics and hospitals throughout the country, together with hospitalisation, diagnostic testing and specialist treatment. Unlike standard versions of some health insurance products, the Visa & Residency version is arranged without waiting periods, making it suitable for many applicants who need immediate healthcare cover as part of their Spanish Non-Lucrative Visa application.
We have helped many clients arrange Spanish health insurance for their move to Spain and can advise whether Aegon is the right choice for your particular circumstances. As visa requirements can vary between Spanish Consulates and Embassies, we always recommend obtaining personalised advice before purchasing a policy.
Contents
- Is Aegon accepted for the Non-Lucrative Visa?
- What does the policy cover?
- Waiting periods
- Pre-existing conditions
- The medical network
- Using the policy day to day — the Aegon mobile phone app
- Renewal and cancellation
- Is Aegon the right choice for you?
Is Aegon accepted for the Non-Lucrative Visa?
Aegon Non-Lucrative Visa Health Insurance is designed for individuals applying for Spanish residency and long-stay visas who need comprehensive private healthcare cover in Spain.
The Visa & Residency version of the policy provides access to private medical treatment through Aegon’s extensive healthcare network and is specifically intended for people relocating to Spain.
As visa requirements can vary between Spanish Consulates and Embassies, we always recommend confirming your individual circumstances before purchasing a policy. Our team can advise whether Aegon is likely to be suitable for your residency application and help you obtain the documentation required for your visa submission.
For many applicants, Aegon offers an attractive balance between comprehensive cover, access to leading medical providers and competitive pricing.
For a full overview of what any NLV health insurance policy must include, see our Non-Lucrative Visa health insurance guide.
What does the policy cover?
The Aegon Visa & Residency policy provides comprehensive private healthcare cover in Spain, giving policyholders access to a wide range of medical services through the insurer’s approved network.
Cover includes:
- General practitioner consultations
- Specialist consultations
- Diagnostic testing and scans
- Hospitalisation
- Surgical procedures
- Emergency medical treatment
- Cancer treatment and specialist care
- Rehabilitation services where medically necessary
Policyholders also benefit from direct access to specialists without needing to obtain a referral in many cases. Aegon is responsible for the fees charged by healthcare professionals and hospitals included within the medical network.
Unlike travel insurance, this is a Spanish private health insurance policy intended to provide ongoing healthcare access while living in Spain.
Waiting periods
Many Spanish health insurance policies include waiting periods before certain treatments become available.
However, the Aegon Visa & Residency version of the policy is arranged without waiting periods.
This means policyholders can access covered healthcare benefits from the start date of the policy rather than waiting several months before certain treatments become available.
This feature is particularly important for visa and residency applicants, as Spanish immigration authorities generally expect health insurance to provide immediate access to healthcare from the beginning of the insurance period.
Pre-existing conditions
When applying for Aegon health insurance, applicants are required to complete a medical questionnaire.
The insurer reviews each application individually and may request additional information where necessary.
Having a pre-existing medical condition does not automatically prevent acceptance, although cover decisions will depend on the nature of the condition and the information provided during underwriting.
For this reason, it is important to answer all medical questions fully and accurately when applying for cover.
If Aegon is unable to offer a suitable solution, we may be able to discuss alternative Spanish health insurance providers that are better suited to your circumstances.
The medical network
One of Aegon’s major strengths is its extensive medical network.
Policyholders have access to more than 50,000 healthcare professionals and approximately 1,000 medical centres throughout Spain.
The network includes:
- General practitioners
- Medical specialists
- Private clinics
- Diagnostic centres
- Day surgery facilities
- Private hospitals
Aegon also provides access to many well-known private hospitals and healthcare groups throughout Spain, including leading facilities in Madrid, Barcelona, Valencia, Málaga, Marbella, Seville and other major locations.
For people relocating to Spain, the breadth of the medical network can be an important consideration when choosing a health insurer.
Using the policy day to day — the Aegon mobile phone app
Aegon provides digital tools that make it easier to manage your healthcare once you arrive in Spain.
The digital services is available through a Spanish mobile number and allows policyholders to:
- Access to a digital card
- Obtain medical guidance remotely
- Manage aspects of their healthcare digitally
- Locate participating healthcare providers
- Access policy information
You can use the mobile phone application to manage your Aegon health policy for a non-lucrative visa or their Client Area website.
Renewal and cancellation
The Aegon Visa & Residency policy is an annual contract that renews automatically unless cancelled in accordance with the policy conditions.
As with all Spanish health insurance policies, renewal premiums may increase over time due to factors such as age, healthcare inflation and rising medical costs.
If you decide not to renew your policy, cancellation should normally be arranged before the renewal date and in accordance with the insurer’s notice requirements.
If you later wish to move to another insurer, it is generally advisable to arrange replacement cover before cancelling your existing policy to avoid any interruption in healthcare cover.
We regularly assist clients with renewals and insurer changes where appropriate.
Is Aegon the right choice for you?
Aegon is often chosen by visa applicants looking for comprehensive healthcare cover combined with access to a large medical network across Spain.
The Visa & Residency version of the policy offers several features that are particularly attractive to people moving to Spain:
- Suitable for many Spanish visa and residency applications
- Comprehensive healthcare cover
- Hospitalisation included
- Direct access to specialists
- No waiting periods
- Extensive medical network
Every applicant’s circumstances are different, and Aegon may not be the right solution for everyone. We work with a range of Spanish health insurers and can help you compare available options before making a decision.
If you would like a quotation for Aegon Non-Lucrative Visa Health Insurance, please contact us and we will be happy to help.