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 criteria
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.