Prepare your enquiry
Four details make the first review more useful.
- Your routeFor example, non-lucrative residence, study or another route.
- Your authorityThe consulate or office handling your application.
- Your datesYour planned application, arrival and required cover dates.
- Your applicantsWho needs cover, including each person in the application.
Why is health insurance part of the application?
Spanish immigration rules require health insurance for several routes, including non-lucrative residence and long-stay study visas. It is one part of an application, alongside the other evidence that the route requires. Buying insurance does not secure a visa.
Reference: BOE · Spanish immigration regulation (RD 1155/2024) ↗
Check the route before comparing policies
Non-lucrative residence, study, work-related routes and EU/EEA or Swiss registration are different processes. Do not use a tourist insurance checklist for a move or assume that advice for another nationality applies to you.
| Your situation | Start here |
|---|---|
| Non-lucrative residence | Confirm health cover and the evidence expected by the competent consulate. |
| Long-stay studies | Match the cover dates to the planned stay and check the permitted benefits. |
| Employment or remote work | Clarify the relevant health and social-security arrangements for your route. |
| EU/EEA or Swiss citizen | Check registration and healthcare entitlement instead of automatically buying visa insurance. |
Ask for explicit answers on cover restrictions
Ask whether the application accepts copayments, deductibles, waiting periods, reimbursement-only arrangements or monetary caps. Obtain written answers about pre-existing conditions, hospitalisation and the start date. A phrase such as “visa insurance” is not a substitute for checking the policy.
Prepare the evidence as carefully as the cover
Keep the contract, certificate of insurance and evidence of payment together. Check every insured person’s name, the geographic scope and the policy dates. Ask the competent consulate which documents, wording and translations it requires.
- Identify the consulate responsible for your current residence.
- Check its current route-specific instructions.
- Request the individual conditions before paying.
- Ask what happens if the appointment, travel date or visa decision changes.
- Keep a renewal reminder so you can avoid a gap in cover.
Your questions, answered
Is repatriation automatically included?
No. Repatriation, travel assistance and Spanish medical care are different benefits. Check whether your route requires repatriation and whether the policy includes it.
Will a policy be refunded if my visa is refused?
That depends on the contract and the circumstances. Ask for the exact cancellation or refund clause before paying.
Is a certificate enough to guarantee approval?
No. The authority assesses the application, and may request additional evidence.
Your next step
Request options for your circumstances.
Share the route, dates and applicants you need to cover. Policy terms, price and acceptance depend on the insurer and your individual assessment.
Request personalised insurance optionsSources and review status
The editorial team checked the following primary sources on 1 October 2026. Professional review is identified separately when completed. Check the current instructions of the office handling your application before making a commitment.
Our editorial approach