Does every resident need private insurance?
No. Many people have public healthcare through Spanish Social Security, a recognised cross-border entitlement or as a beneficiary. Some immigration routes need private evidence when no acceptable public route exists.
Does sin copago mean everything is covered?
No. It means no per-use charge for a covered service. Exclusions, waiting periods, provider networks and authorisation remain separate.
Must the insurer be Spanish?
The usual test is authorisation to operate in Spain for the relevant business. The DGSFP register includes Spanish and qualifying foreign insurers.
Will travel insurance satisfy a long-stay visa?
Do not assume so. UGE guidance expressly excludes travel insurance where private evidence is required for the Digital Nomad route. Other routes have their own instructions.
Can I use an S1?
A qualifying S1 registered in Spain can establish public healthcare entitlement in relevant EU, EEA, Swiss and UK cases. Eligibility is personal.
What is the convenio especial?
It is a paid public arrangement for people who have no healthcare entitlement under another title, are registered on the padrón and have completed one continuous year of effective residence in Spain or qualifying European coordination territories. It does not include the pharmaceutical benefit.
What should I ask an insurer for?
Ask for the full wording, product information, personal terms, provider directory, authorisation procedure and any immigration certificate. Keep the completed health declaration.
Does a visa certificate show everything the policy covers?
No. It confirms selected facts for an application. The full wording, personal terms and provider directory control treatment access.
Can I buy insurance before moving to Spain?
Often yes, but confirm that the insurer is authorised to operate in Spain, the intended start date is correct and the local network works where you will live.
Should I disclose my medical history on this site?
No. This site does not collect insurance enquiries or medical information. Medical underwriting details should be provided only through an insurer or authorised intermediary's approved process.