Why a Spanish VISA adapted medical policy with NO waiting period?

Make sure your medical policy for visa has NO waiting period.

As an agency providing Spanish medical insurance policies to many visa applicants, we are now seeing a growing number of people contacting us after they submitted a policy that has a ¨Carencia¨.

The Carencia is a waiting period normally applicable in the first 12 months of most Spanish medical insurance policies. The Carencia clauses normally exclude the first 6 months of the policy treatments, such as surgery, colonoscopy, hospitalisations, psychiatric sessions, oncology, and many will exclude transplants in first 12 months.

The Carencia clause within the last 6 months seems to have been causing problems with visa applications, and many consulates are rejecting medical policies that have any waiting period at all.

Until September last year, based on our extensive experience in providing 1000s of customers with Spanish private health insurance for visas, we advised people to make sure that the policy complied with the following criteria.

1. Medical network across all of Spain.

2. Full Primary care.

3. Full Specialists.

4. Hospitalization.

5. No copago (no policy excess).

6. No limitation on treatment cost.

7. Annually contracted/Annually renewable.

8. Spanish policy - Policy in Spanish.

Now we have added number 9 to this list, which is that the policy should not have any waiting period at all(apart from 8 8-month pregnancy).

9. NO waiting period.

We are very aware that not every official scrutinising medical insurance policies picks up on certain points, and occasionally a customer of ours who insists that their lawyer is correct in insisting that they can pay monthly, or that there will not be any issue if the policy starts a month after the consulate appointment, occasionally proves us wrong.

However, time and time again, many return asking for changes to the policy within 7 days.

When this happens, the existing policy must be manually purged from the system first, and then the application process restarted and this can take longer than 7 days.

So best advice is to choose from the outset a policy that meets the time-tested criteria.

We offer two sure choices. Our Integral Elite Spain only policy (Version Colectivo Estranjero) or the Mundisalud Classic, the freedom to choose any doctor policy(Version Colectivo Estranjero).

Both the above mentioned visa-approved medical policy options are not available online, and the price may vary slightly from the online standard policy equivalents depending on the postal code location in Spain.

For more information or price and brochure, contact Andy or Francis on (+34) 956 777 905 or email enquiries@tailormadehealthcarespain.com