Expect medical underwriting
Answer all questions fully and keep every response, report and written decision. A telephone assurance does not override the final personalised terms.
An exclusion may be wider than its label
Check whether a named exclusion also captures symptoms, complications, tests, medicines or related treatment. Waiting for a year does not normally cure an exclusion.
The convenio especial
This paid public route has no medical underwriting. It is available only where the continuous residence, Spanish padrón and no-other-public-entitlement conditions are met. Residence in another EU or EEA state, Switzerland or the UK can count towards the required year. It does not include the supplementary pharmaceutical benefit.
Possible underwriting outcomes
An insurer can accept ordinary terms, add an exclusion, change pricing, request evidence or decline. No condition is treated the same by every company.
Visa applications
A valid policy does not guarantee that its exclusions satisfy a particular immigration authority.
Before accepting
Check the health declaration, exclusion wording, related treatment, local network and immigration evidence separately.