Frequently Asked Questions

Got questions about health insurance in Spain?

What is the length of a policy term for health insurance in spain?

Our policies for private health insurance are on an annual basis, which renews automatically. If you do not wish to renew your policy, you need to advise us by providing a minimum of one month’s notice, in writing, before the expiry date.

The Visa requirements state I need no wait periods, does your policy meet the requirements?

We have no wait periods for general medicine.  There are a few wait periods related to specific items, which is common for all insurance companies. The visa requirements want to be sure you are covered immediately for general medicine and you will be. We provide you with a special certificate to bring with you to your visa or residency appointment.

What payment options do I have?

For health insurance in Spain, it is most common to set up direct debit from the Spanish or EU bank account of the primary policy holder (with an IBAN number). Alternatively, you may do a bank transfer for the full annual payment.

Contracting with Passport number or NIE number, you may choose to have 1 annual payment, 4 quarterly payments.

When contracting with your NIE number, you may also choose the monthly payment plan. There are no extra fees for making payment installments.

Can I contract my policy in Advance of the start date?

We can provide you a quote up to 2 months in advance. We may contract the policy with an effective date of up to 2 months in advance, but the full annual payment will need to be made when the contract is created.

How long does it take from quote to completed contract?

That depends on you. We do our best to provide you with your quote within 24 hours of your request.

If you decide you want to move forward with a contract, you need to complete a health questionnaire and the insurance application. These are reviewed by our underwriters and can be ready in 3-6 business days, depending on your answers on the questionnaire.

what is the maximum age for the expat health insurance policy?

64 is the maximum age for the expat health insurance policy. This is a special package with no copayments, no deductibles, no general wait periods, and the inclusion of dental.

Can I contract my policy with my passport number, as I don’t have an NIE yet?

You may contract the policy using your passport ID, but the full annual payment will need to be made when the contract is created.

I am not from spain and I don’t know what Insurance companies are good?

Yes, we completely understand, as we were in your shoes when we moved to Spain as well. We didn’t know what brands to trust and which had good coverage. After living in Spain for 9 years, we have a good understanding of options. We work with one of the leading Private Spanish health insurance companies. They have been in the business for more than 70 years and have a large medical provider network, plus facilities of their own.

How long do I have to wait before being able to use this insurance?

You can use this medical insurance from day one for the majority of services offered. A minimum qualifying period will be set for the following treatments:

  • 6 months
    • Family Planning
    • Psychology
    • Oncological, cardiovascular, dialysis and lithotripsy treatments
    • High-tech diagnostic tests
  • 10 months
    • Prosthesis
    • Surgical interventions and hospitalization for assistance in deliveries/cesareans

If you transfer from another insurance company where you have held a policy for over a year, we can remove* the qualifying periods, except for assistance during childbirth and assisted reproduction.
*Subject to the Particular Conditions in the previous health insurance policy. Plus you need to have given your former insurance company the legal 1 month cancellation notice in writing.

I currently have private spanish health insurance with another Company and want to change to yours. do I have to have wait periods if I buy one of your policies?

If you transfer from another insurance company, where you have held a policy for over a year, we can remove* the qualifying periods, except for assistance during childbirth and assisted reproduction.

*Subject to the Particular Conditions in the previous health insurance policy. Plus you need to have given your former insurance company the legal 1 month cancellation notice in writing.

You need to be sure you have given your current insurer written notice of your wish to cancel your existing policy, a minimum of 30 days in advance. This will ensure you avoid any contractual problems starting a new policy with a different insurer.

does this health insurance meet the requirements for Spanish residency, nIE, or for visa applications?

Yes, our special expat insurance with dental meets the requirements for you health insurance needs. There are no copayments and no deductibles. The repatriation requirements are met by the add on policy for a small fee. We will provide you with a certificate to show proof it meets the requirements.

What if I have pre existing conditions?

When you answer the health questions, you need to document any pre-existing conditions. These will be reviewed by the medical underwriters and produce one of three outcomes:

  1. You will be accepted without an exclusion;
  2. You will be accepted with the condition excluded;
  3. You will be denied coverage and a contract;

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How much is expat health insurance in Spain?
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For non-lucrative/retirement visa related questions, Wagoners Abroad can help you with their ebooks or consulting.