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Spanish visa compliant health insurance

We are pleased to advise that an increasing number of Spanish health insurance companies are now offering Spanish visa compliant health insurance policies. (Golden visa, Non-lucrative visa, Digital Nomad visa). Additionally, the premiums are very competitive.

Whilst the criteria that your Spanish health policy needs to meet vary from Spanish Consulate to Spanish Consulate there is an increasing number of Spanish health insurance products that are universally acceptable.

Previous main stumbling blocks with some health insurance providers:

  • Co-payments
  • Grace period/moratorium on treatment
  • Repatriation cover
  • Policies that run from 1st January to 31 December rather than a complete twelve months from when you take out the policy.

Fortunately, a growing number of providers can see the commercial benefit of adjusting their Spanish health insurance products to meet a broader range of Spanish visa criteria. Some of this is a result of the new Digital Nomad Visa . This type of visa is likely to rival the non-lucrative visa in popularity this year. Another reason may be that large insurance companies just take time to change.

With the competitive pricing of these Spanish visa-compliant health insurance products, one has to wonder how long it will be before even more providers want to get on the bandwagon.

There are still some differences between what health insurance products are accepted by the Spanish authorities. This mainly occurs if you are applying for residency or a visa inside Spain or when you are applying outside of Spain. There definitely seems to be more flexibility in respect of what is an acceptable health policy when you can process applications for residency as an EU citizen or Golden Visa applications inside Spain compared to non-lucrative and other visa applications in your home country.

For this reason, deal with an experienced independent broker and discuss what options might be available to you.

We have an increasing number of universally Spanish visa-compliant health insurance products:

  • No co-payment
  • No grace period/moratorium
  • Repatriation cover included
  • A full 12-months from the period the policy is contracted

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.