A Private Medical insurance policy for Spanish visas and residency has to provide a level of healthcare cover equivalent to that provided by the state healthcare system.  For a lot of private medical insurance providers this will mean taking out their top level fully comprehensive policy.  Co-payments policies that have much lower monthly or annual premiums and you pay a small fee when you need treatment or to see a doctor, are not acceptable.

The general requirements for Private Medical Insurance for Spanish visas and residency are much the same across all the different types of residency, however that are some differences between what’s needed for some.

There are two main healthcare requirements for the Non-Lucrative Visa.   Firstly you must be free from any of the diseases listed under the International Health Regulations 2005, and secondly you need to have unrestricted access to healthcare in Spain.

Doctors Letter or Medical Certificate for a Non-Lucrative Visa Application

The first requirement is satisfied by obtaining a Doctors letter or medical certificate.  The Doctors letter or medical certificate can be provided by your own GP, or a private Doctor either in the UK or Spain.  The letter or certificate has to be signed by the issuing doctor, have their medical practice stamp, and their registration number.  In the UK this is known as a GMC (General Medical Council) number.