Non-Lucrative visa applications from the UK
August 21, 2021
Health insurance policies for non-lucrative and golden visas.
We recently wrote an article about the changing implementation of the non-lucrative visa legislation from one Spansih consulate office to another and the difficulties it was causing. You can read that article here.
Now we have some great news. One provider has got it together and now offers a complete product designed to meet all the criteria that a Spanish health policy must meet to get through the non-lucrative visa process. Before, it was necessary to know what was being accepted in each different Spanish consulate or Embassy and searching an appropriate product for a client. This was not fool-proof however, as the Consulates would sometimes become more strict and what used to work would suddenly be refused.
Finally, we have a provider that meets all the criteria laid down by the legislation and another that which when complemented with nother product will also get through without a hiccup. That does not mean we will ignore other health insurance companies and we will still do our best to offer a choice but if you are looking for a hassle free approach then we have that option as well.
The most important elements that the Spanish health insurance should meet are as follows:
1) No co-payment. There are lots of options available that meet this criteria2) A full 12-month policy. This is where you pay a full 12-months up front. If your policy renews on 1st January and means you only pay a pro-rata amount in the first year then that will not be accepted in most of the Spanish consulates.
3) Without a grace period / moratorium. Nearly all the health insurance companies have a grace period when you first purchase your policy. Whilst some of these policies are accepted in some Spanish consulate offices, they are not in all Spanish consulate offices and Embassies. The legislation states that your policy must not have a grace period (carencia in Spanish). There are very few providers that meet this criteria but we have sourced suitable companies.
Speak with a professional before committing to buy your health insurance. Look at the options, understand if your policy meets the criteria needed for a Spanish non-lucrative visa. As mentioned above some policies that do not exactly meet the criteria will be accepted but you have to know which consulates will take them as normally you don't have a choice of which Spanish consulate office to go to. It is based on your current location.
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