A grace period or moratoriums is a period of time that must pass, after taking out your medical insurance in Spain, before certain aspects of the medical insurance cover are available to you.
All medical insurers in Spain have a grace period. The period of time and the services they exclude will be down to the individual companies.
Whilst you can visit a private doctor the day after paying your premium you will not be able to make use of all the services included in your medical insurance in Spain from day one.
A typical grace period might be six months for hospitalisation, although, with some companies it could be up to 8 months and we have seen companies with a ten-month grace period.
No, they do not.
Medical insurance companies in Spain will wait the grace period if you already have a policy in Spain and you are looking to move it from one company to another. You just need to prove the policy is active and the payments are up-to-date.
Some international companies have arrangements with health policies issued in foreign countries by one of their subsidiaries. This means if you prove your payments are up to date on your medical insurance in another country then you could be able to get the grace period waived on a new policy in Spain. That is if it stays with an insurance company within the same group.
In the event of a life-threatening emergency the medical insurance companies in Spain will waive the grace period.
After the grace period has finished you have access to all the services granted under the Spanish medical insurance policy. So, if you needed hospitalisation after the grace period there is no extra time to wait. Once the authorisation has been approved arrangements will be made.