Network policies
A network policy gives access to the insurer’s cuadro médico. It can work well when suitable hospitals and specialists are available locally. Treatment outside the network is normally restricted.
Co-payment policies
You pay a stated amount when using certain covered services. Schedules can differ between consultations, tests, therapy and emergency care, so compare likely use with the lower premium.
No-co-payment policies
Sin copago means no per-use charge for a covered service. It does not remove exclusions, waiting periods, network limits or authorisation rules.
Reimbursement policies
These may allow treatment outside the normal network followed by a claim for an agreed share. Current UGE guidance excludes reimbursement-only policies where private evidence is required for the Digital Nomad route.
Limited and international cover
Hospital-only products can supplement public entitlement but should not be assumed comprehensive or suitable for immigration. International policies still need the relevant authorisation to operate in Spain.
Which type can support a visa
A policy can be useful for everyday care without satisfying an immigration authority. Co-payments, waiting periods, reimbursement-only structures and limited benefits must be checked against the exact visa instructions.
Compare the same things
Use the same applicants, location and start date when comparing products. Then compare the provider network, authorisations, exclusions, renewal terms and the documents issued after underwriting.
Product names are not definitions
Words such as premium, complete or expat do not create a standard level of cover. Treat the contract and personal schedule as the definition of the product.