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Spanish visa compliant health insurance

The Spanish non-lucrative visa is designed for individuals who wish to reside in Spain for more than 90 days without conducting any work or business activities in the country. To obtain this visa, applicants typically need to demonstrate that they have sufficient financial means to support themselves and any dependents without the need to work in Spain.

When it comes to health insurance, applicants for the Spanish non-lucrative visa generally need to provide evidence of having comprehensive health insurance coverage that meets certain criteria. While specific requirements may vary slightly depending on the consulate where the visa application is processed, the following features are typically necessary for health insurance to meet the criteria for the Spanish non-lucrative visa:

Spanish visa compliant health insurance criteria

  1. Coverage in Spain: The health insurance policy must provide coverage for medical expenses incurred while the applicant is residing in Spain. This coverage should include doctor visits, hospitalization, emergency care, prescription medications, and any other necessary medical treatments.
  2. Minimum Coverage Amount: The Spanish authorities often require a minimum coverage amount. This amount can vary but is usually around €30,000-€40,000 per year per applicant.
  3. No Co-payment Requirement: Some Spanish consulates may require that the health insurance policy does not have a co-payment requirement for medical services. This means that the insured individual should not be responsible for any out-of-pocket expenses when seeking medical treatment.
  4. Repatriation Coverage: The policy may need to include coverage for repatriation in case of a member of the policy passes away. If implemented, it allows for the transportation of the remains of the deceased back to their home country.
  5. Validity Period: The health insurance policy should cover the entire duration of the intended stay in Spain. The insurance policy should be valid for at least one year from the date of entry into Spain, if the visa is for 12 months, for example.
  6. Renewability: The policy should be renewable, allowing the insured individual to extend their coverage if they decide to stay in Spain beyond the initial visa period.
  7. Acceptance by Spanish Authorities: Spanish authorities must accept the insurance policy, and the applicant may need to provide documentation proving this acceptance.

It’s important for visa applicants to carefully review the specific requirements of the Spanish consulate where they will be applying for the non-lucrative visa, as procedures and criteria can vary slightly between consulates. Additionally, partnering with an experienced insurance broker like us will help ensure that your policy accurately meets all requirements.

Contact us with your requirements and we will see what we can come up with for you. Book yourself a free 20-minute telephone appointment using our telephone booking page.