Public or private cover
This may be public cover through the Spanish Social Security system, or equivalent private health insurance from a company authorised to operate in Spain.
HEALTH INSURANCE IN SPAIN
Understand the right health cover for your application file.
An international teleworker application may require public cover, or suitable private health insurance from an insurer authorised to operate in Spain.
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POLICY CHECK
Authorised insurer
Suitable cover
Valid period
SUMMARY OF THE OFFICIAL REQUIREMENTS
Not every health policy is sufficient for the application.
According to the UGE’s digital nomad FAQs, the following points should be checked in particular.
Authorised insurer
Whether the company issuing a private policy is authorised to carry on insurance business in Spain should be checked in the DGSFP registers.
Travel insurance is not enough
The official UGE information states that travel insurance and policies that only reimburse medical expenses after the event are not accepted.
Co-payments and waiting periods
Policies that include additional payments/co-payments or impose waiting periods for certain treatments may not meet the application requirement.
POLICY CHECKLIST
Confirm in writing before you buy.
Your Application Consultant uploads the policy and insurance certificate to your client file. Final suitability is assessed together with the application file as a whole.
- Insurer: Has its authorisation to operate in Spain, and its health insurance class, been checked?
- Cover: Does it provide cover comparable to the Spanish National Health System?
- Co-payment: Is there a copago or similar patient contribution?
- Waiting period: Does the policy include a carencia/período de espera (waiting period)?
- Reimbursement model: Is it a policy based solely on reimbursing expenses?
- Validity: Do the start date, end date and renewal terms cover the period of the file?
- Family cover: Are the separate insured-person details for your spouse and children correct?
- Documents: Can the policy and certificate be submitted in a language suitable for the application?