A policy with a copay can get your visa refused.
We'll point you to one that won't.
Spanish consulates and the UGE reject insurance with copayments, deductibles, caps or waiting periods. Our partners Gidea and ASSSA sell only visa-compliant cover, with your certificate in 24 hours to 7 working days.
under 30
certificate
waiting periods
experience
What the visa requires
- No copayments or deductibles: policies with copays are rejected
- Coverage across all of Spain
- Insurer authorised by the DGSFP (Cigna Global is not accepted)
- No monetary caps or waiting periods on required services
- Hospitalisation, outpatient care, diagnostics, aftercare and basic dental
- Cover for the full validity of your visa or permit
We check your policy against these before your file is submitted.
Two partners, both visa-compliant.
Gidea
An independent broker with more than 40 years of experience. Not tied to one insurer: one form gets you visa-compliant plans from Sanitas, DKV, Adeslas, Asisa and others.
- No copayments and no waiting times
- Dental care included, with a yearly cleaning
- Certificate usually in 2–7 working days
ASSSA
A Spanish health insurer, founded in 1935 and based in Alicante, with a plan built for the Non-Lucrative and Digital Nomad Visa.
- No copayments and no waiting periods for the visa
- Lifelong cover, with no price increase because of age
- Certificate within 24 hours
What it really costs.
Health insurance questions
Spanish visas and residency generally require it. It must be comprehensive, with no copayments, deductibles or waiting periods.
Spanish authorities reject policies with copayments. Our partners only offer top-tier plans without them.
Typically €45 to €350 a month depending on age, starting around €45 for applicants under 30.
Within 24 hours with ASSSA, or usually 2–7 working days through Gidea.
No. Most visa applications need a year paid upfront, which you can do without one.
Yes, if the policy meets every requirement. We check it against the rules before submission.
Get visa-compliant cover.
A free quote from Gidea, or a 24-hour certificate from ASSSA. Your case manager checks the policy before your file is submitted.
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Partner services are optional, separate from your visa fee and billed by the partner. Some links are affiliate or mutual-referral arrangements; we only recommend providers we've worked with.
