Applicants for the Spain Non-Lucrative Visa must have valid health insurance that fully covers medical expenses, hospitalization, and repatriation in Spain.
To apply for a Spain Non-Lucrative Visa, you are required to have private health insurance that meets specific criteria set by the Spanish authorities. Here’s what you need to know:
1. Private Health Insurance Requirement
- Comprehensive Coverage: The health insurance policy must provide comprehensive coverage equivalent to that of the Spanish public healthcare system. This means it should cover all medical expenses, including hospitalization, emergency care, surgery, and primary care, without any gaps in coverage.
- No Co-Payments or Deductibles: The insurance policy must not have co-payments, deductibles, or any other form of cost-sharing. This ensures that the visa holder will not have to pay out-of-pocket for any medical services covered under the policy.
2. Validity and Duration
- Full Coverage for the Visa Duration: The insurance policy must be valid for the entire duration of your initial stay in Spain, typically one year for the first visa period. When renewing the visa, you will need to demonstrate that you continue to have valid health insurance coverage.
- Issued by a Provider Authorized to Operate in Spain: The insurance must be issued by a company that is authorized to operate in Spain. This ensures that the policy meets all Spanish legal requirements and will be accepted by Spanish healthcare providers.
3. Types of Acceptable Insurance
- Private Health Insurance Only: Public or travel insurance policies are not acceptable. The insurance must be private health insurance specifically tailored to long-term residents in Spain. Some of the well-known companies offering suitable policies include Sanitas, Mapfre, Adeslas, and AXA.
4. Additional Considerations
- Family Members: If you are applying for a Non-Lucrative Visa for your family members as well, each member must have their own individual health insurance policy that meets the same criteria.
- Documentation: You will need to provide proof of insurance as part of your visa application. This typically involves submitting a certificate or policy document that clearly outlines the coverage, validity period, and confirms that the policy meets all the necessary requirements.
Summary
To apply for a Spain Non-Lucrative Visa, you must have private health insurance that offers comprehensive coverage equivalent to the Spanish public healthcare system, with no co-payments or deductibles. The policy must be valid for the entire duration of your stay and issued by a provider authorized to operate in Spain. This insurance requirement ensures that visa holders can access medical care without financial barriers during their residency in Spain.