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US citizens seeking SPANISH PRIVATE HEALTHCARE

Recently we have seen a very large increase in US citizens seeking a Spanish medical insurance policy that meets the Spanish visa criteria.





Within the last 2 years 25% of our customer enquiries are no from Americans looking to immigrate to SPAIN.


The majority are hoping for Spanish NLV visa (None Lucrative VISA) or the DNV visa (Digital Nomad Visa).


Interestingly only 50% ask us to include a Repatriation policy in addition to the medical policy.


The biggest issue most US citizens question is the timing of the policy. Most consulates will require you to present the medical policy at a visa appointment and they will expect you to prove that the policy is LIVE on that date and paid up in full for the 12 months.


This has proved very frustrating for many who find it annoying that they are expected to have a policy active 2 or 3 months before they even intend being in SPAIN.

The other issue is that an insurer will NOT let you set up a policy post dated for 3 months time. The main reason for this is that a SPANISH medical insurance is arranged by the customer providing a self declaration of health and as a result the Insurer will only offer the policy based on a very recent declaration.


The one thing that is positive in starting the policy earlier than your intended arrival in Spain is that you are using up some of the CARENCIA (Period of Grace). There is no avoiding the CARENCIA which are conditions the insurance company put in place for new policies. The Carencia are treatments that the Insurance Company exclude normally in the first 12 months of the policy.


Typical exclusions in the early days of your policy will be as follows:


  1. No surgery in the first 6 months.

  2. No Hospitalizations in the first 6 months.

  3. No transplants in the first 12 months.

  4. Pregnancy excluded in first 8 months.


So by starting the policy early you will be using up some of this period of grace. There are customers who actually want to start the policy 6 months before arrival simply to make sure that when they arrive here they have the surgery and hospitalizations available to them.


Be aware that the period of grace does not apply in the event of a serious accident or a diagnosis of imminent life threatening issue.


As a medical insurance Agency Tailor Made Healthcare are well versed with every possible scenario that can arise with AMERICAN CONSULATES. Over the years we have also engaged with consulates across the United States where questions have been asked about a medical policy and have resolved many issues in this way for Visa APPLICANTS.


For Visa our best selling policy and the most affordable of the 11 medical insurance levels we offer is the level 4 policy - The INTEGRAL ELITE medical insurance.


If you have questions about any aspect of Spanish Healthcare please do not hesitate to make contact with Andy or Francis at Tailor Made Healthcare Solutions Spain.


To request a price simply email us your full names, dates of birth and Town/Province where you will reside in Spain to enquiries@tailormadehealthcarespain.org


Francis Payne.

2 Comments


Bill Jepson
Bill Jepson
Apr 07

You have mentioned "grace" periods, the visa requirement specifically states that there CAN NOT be any waiting or grace periods a friend of mine got declined and had to take out a different policy. I realize that you are covered for emergencies but what if after four months someone is diagnosed with for example cancer, they will be declined treatment. What happens then?

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watersidesales
Apr 16
Replying to

Thanks for your comment.

DKV have issued over 22000 policies in last 3 years under their visa group policy called DKV Colectivo Estranjero. These policies have CARENCIA (period of grace) and no policyholder has been rejected using this policy.

Also 75% of people who we insure have an exclusion or two and again these are not resulting in rejections.


It is the presentation of the policy to the authorities that is key.

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