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.
Gidea or ASSSA?
Both sell visa-compliant cover. Pick on speed, choice and extras.
| Question | Gidea | ASSSA |
|---|---|---|
| What it is | Independent broker, 40+ years, based in Valencia; compares Sanitas, DKV, Adeslas, Asisa and Salus | Visa-ready insurance for the Non-Lucrative and Digital Nomad Visa |
| Certificate | Usually 2–7 working days from quote | Within 24 hours |
| Waiting periods | Waived for our clients | None for the visa |
| Extras | Specialists without referrals; English-speaking doctors in major cities | Direct specialist access; international assistance up to €15,000 |
| Support | Year-round help with claims and renewals; start date aligned to your appointment | Help in your language |
Gidea
An independent broker with over 40 years of expertise. Not tied to one insurer, so the advice is unbiased and their placement volume keeps prices competitive. They handle your documents and health questionnaires and date the policy to your visa appointment.
ASSSA
- Your health insurance certificate in 24 hours
- No waiting periods for your visa
- Medical, surgical and hospital cover, with direct access to specialists
- International assistance up to €15,000 in medical emergencies
- Personal attention in your language
Seven steps from quote to medical card.
- Request a quoteYour age, destination and the cover you need.
- ComparePremiums, hospital networks and language support across insurers.
- Health questionnaireA short one for each person insured.
- Send documentsPassport copies and proof of address.
- Pay the first premiumUsually a year upfront for visas. No Spanish bank account needed.
- Get your certificateBefore you travel, dated to your visa appointment.
- Get your medical cardCover starts on the policy date, with direct billing at clinics.
What it really costs.
Get your free quote.
Fill in your details and Gidea will prepare visa-compliant options for you. Need a certificate within 24 hours? Get a quote from ASSSA.
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.
