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.

Private Medical Insurance for the Spanish Non-Lucrative Visa

A Private Medical Insurance for a Spanish Non-Lucrative Visa, has to pass the equivalent to state healthcare test.  The policy has to be annual most Spanish Consulates expect the policy to be paid in full up front.  Some even insist on there being a full year paid up front from the date you expect to enter Spain with your visa.  When you don’t know exactly how long your Non-Lucrative Visa will take to process, getting the Private Medical Insurance policy start date right can be tricky, and sometimes if there are delays, extra months of insurance have to be paid for added to the end of the policy to make up a full 12 months of cover.

For a Spanish Non-Lucrative Visa application, it is best to take Private Medical Insurance with a Spanish provider.  Policies from other countries may provide an acceptable level of cover, but if the policy documents are not in Spanish, it can end up quite costly getting the policy documents translated into Spanish to prove this.

Get a quote for Private Medical Insurance for the Spanish Non-Lucrative Visa

Private Medical Insurance for the Spanish Golden Visa & Investor Residency

Along with the general requirements of Private Medical insurance for Spanish visas and residency, a Private Medical insurance for the Spanish Golden Visa and investor residency, has to be from either a Spanish insurance provider or an insurance provider that is authorised to operate in Spain.  So, international or global healthcare policies which may even have superior cover to a Spanish policy, will not be accepted, unless the provider is registered with Spain’s insurance regulator the DGSFP. (Dirección General de Seguros y Fondos de Pensiones).  Foreign insurance companies registered in Spain can be searched on their website: http://www.dgsfp.mineco.es/en/Entidades/Paginas/rrpp.aspx

Get a quote for Private Medical Insurance for the Spanish Golden Visa or Investor Residency

Private Medical Insurance for Spanish Residency for Citizens of EU Countries

The requirements of a Private Medical Insurance Citizens of EU countries applying for their Spanish Residency Certificate, are much the same as for the Non-Lucrative visa, i.e. the policy just needs to meet the general criteria.  Because the EU citizen Residency Certificate application is handled on a municipal level at the National Police station, there are variances from place to place as to what may be accepted, and the proof of insurance documents that will be required.

In most places a certificate of cover for a residency application from the provider along with proof of payment of the policy is sufficient.  In some places however, they insist on a copy of all the policy documents including the lengthy terms and conditions!

Taking Out Private Medical Insurance for Spanish Visas & Residency

Taking out the wrong Private Medical Insurance policy for your Spanish visa or residency application, can end up in a lot of wasted time and money.  We recommend that you use an insurance broker that has lots of experience arranging Private Medical Insurance for Spanish Visas and Residency, as well as knowing which policies are suitable, they will most likely also know a fair bit about the variances in requirements for the different type of visa and residency, the differences from one Spanish consulate to the next, and from place to place.

We handle all the above types of Spanish Visa and Residency applications, and work with a specialist insurance broker to arrange suitable Private Medical Insurance for our clients.  If you need to take out Private Medical Insurance for your Spanish Visa or Residency application, we can help you.

Click the link below and fill in the short enquiry form.

Get Private Medical Insurance for Spanish Visas or Residency

(+34) 951 77 55 44 / (+44) 033 000 10 777

The TIE, Tarjeta de Indentidad de Extranjero, is the Spanish identification card for citizens from third countries (non-EU) who reside in Spain.  The Withdrawal Agreement TIE is a special version of this card, issued to British UK nationals who have retained EU rights under the terms of the Brexit Withdrawal Agreement.

The qualifying requirements for applicants e.g. for proof of means remain the same as they were when the UK was in the EU.  British UK nationals living in Spain who had not obtained a residency certificate, had until the 31st December 2020 to apply for the the Withdrawal Agreement TIE.

You can now apply for the Withdrawal Agreement TIE in these circumstances:

Understanding and planning fiscal residency and Spanish tax is a very important when making the transition to become a resident in Spain.  Tax in Spain is very different to the UK, and has become even more complicated since the UK left the EU as the way certain types of income are treated changed.

Here we provide an overview of the tax related requirements and key points that most need to consider when becoming a Spanish resident.

Spain’s Golden Visa offers residency to individuals who make a real estate investment in Spain of €500,000 or more.  The Golden Visa scheme has been in existence since September 2013 when legislation for the ‘residency by investment scheme’ was passed.  The aim being to attract foreign investors at a time when the economy of Spain was not in a very good place.  Since it’s inception, over 25,000 foreign investors have benefited from the scheme.

The scheme is open to nationals from non-EU or third countries, and has so far been most popular with investors from China, Russia and the USA.

What does Spain’s Golden Visa Offer Property Investors?

Nationals of non-EU countries require a visa to enter Spain, if the stay is intended to be more than 90 days.  The Schengen visa in most cases cannot be used to apply for residency in Spain.

There is an exception when an immediate family member is joining a family member who already lives in Spain and holds Spanish residency.   In all other circumstances a citizen of a non-EU country must apply for, and obtain a long stay visa through the Spanish Embassy in their home country.

Since UK has now left the EU, UK citizens / British nationals also have to apply for a visa if they want to live or work in Spain.

Once the visa has been issued, the applicant can travel to Spain and apply for residency and get their TIE, ‘tarjeta de identidad de extranjero‘.

The following is a summary of the main types of long stay visas that citizens of non-EU countries can apply for.

The TIE, Tarjeta de Indentidad de Extranjero, is the Spanish identification card for citizens from third countries (non-EU) who reside in Spain.  Since July 2020 British UK nationals moving to Spain have also had to apply for this card, as the UK is no longer in the EU.

If you already have a Spanish residency certificate, you do not have to apply for the TIE, but you can voluntarily exchange your certificate for the card.

Both the Spanish and UK Government websites and their Consulate pages confirm that the green residency certificate, A4 and credit card sized, remain valid for UK nationals and prove the holders residency and retained rights under the withdrawal agreement, having settled in Spain before the UK left the EU.  However considering the issues some have encountered during the recent Covid19 travel restrictions, e.g. multiple incidences of authorities and airlines not understanding the rules and denying certificate holders entry to Spain, it is advisable to get the TIE.

Aside from this the card is a full bio-metric national ID card, therefore so much more useful than the paper certificate.  The card also has the words ARTICULO 50 TUE, a reference to note that the holder was resident in Spain before the end of the transition period and has retained rights.