If you’re planning to relocate to another country—whether to retire, work remotely, or simply experience life in a new culture—one of the first and most important things you’ll need is private health insurance. For most long-stay or residency visas (like Spain’s Non-Lucrative Visa or Portugal’s D7 Visa), health coverage is a non-negotiable requirement.
But not all plans are created equal—and not all will satisfy your consulate’s checklist.
Here’s how to confidently choose a health insurance policy that protects your well-being and meets immigration requirements.
📌 1. Know What the Visa Requires
While the details vary by country, most residency visa programs require health insurance that checks several critical boxes:
✅ Key Requirements (Applicable in Spain, Portugal & Beyond)
- Comprehensive Coverage
Includes inpatient and outpatient care, hospitalization, emergency services, and sometimes mental health or maternity. - No Deductibles or Copays
Especially for Spain, your policy must cover 100% of medical costs. Portugal is slightly more flexible but still expects minimal or no cost-sharing. - Repatriation Coverage
Required by many European countries, this ensures you can be transported home in case of serious illness or death. - Valid for the Full Visa Term
Most visas require coverage for at least 12 months from the date of entry. - Geographical Applicability
Must clearly state coverage is valid in the country where you’re applying (e.g., “Valid in Portugal” or “Covers Spain and EU/Schengen”).
🛍️ 2. Decide Between Local and Global Insurers
🏥 Local Health Insurance Providers
While the health insurance requirements can vary by country, it’s important to understand your local vs. global insurance options. Here are a few considerations when looking at local coverage options:
Pros:
✔️ Visa-compliant by default
✔️ Affordable and accepted by consulates
✔️ Local provider network
Cons:
❌ May not cover travel or time outside the country
❌ Limited English-speaking support
❌ Not ideal for frequent international travelers
🌍 International Insurance Providers
Designed for expats and digital nomads, international insurers offer more flexibility and worldwide protection. Some considerations for international providers are:
Pros:
✔️ Global coverage (ideal if you travel often)
✔️ English-speaking service and claims support
✔️ More customizable benefits
Cons:
❌ Must ensure it meets visa rules (no deductible, must have repatriation, etc.)
❌ Some consulates prefer locally issued plans
🔄 Can You Have Both?
Yes—some expats choose to carry both a local and an international plan. This can be a smart move, especially if:
- You want to ensure smooth visa approval with a local plan that satisfies consulate requirements
- You also want global coverage for travel or visits to your home country
- You’re looking for enhanced benefits, such as faster access to private hospitals, second medical opinions, or coverage across multiple countries
Just keep in mind the added cost, and be sure there is no duplication in claims (you usually can’t bill both for the same expense).
🔍 3. What to Look for in a Policy
Before you buy, confirm the following:
- 📄 No Deductibles or Copayments (or very minimal)
- 💶 Coverage Limit – Unlimited (for Spain) or ≥€30,000 (for Portugal)
- 📍 Territorial Coverage – Must list the country or Schengen area
- ⏳ 12-Month Validity – Must cover you from your arrival date onward
- 🔁 Renewable – Ideal if you plan to stay long-term
- 📃 Visa Certificate or Benefits Summary – Insurer should provide a document to show the consulate
⚠️ Common Mistakes to Avoid
🚫 Buying travel insurance – These short-term plans won’t qualify
🚫 Choosing a policy with sub-limits that raise red flags – e.g., $50K cancer coverage might be seen as too low
🚫 Submitting documents in English only – Some consulates require translations
🚫 Buying before confirming consulate requirements – They can vary by location!
👛 Final Tips for a Smooth Application
- Ask your consulate or VFS office for exact insurance requirements.
Requirements vary between cities (e.g., San Francisco vs. Miami). - Request a quote from both a local and international insurer.
Compare what’s covered—not just the price. - Get documentation that’s visa-ready.
This should include a certificate of coverage and a full summary of benefits.
🌟 Ready to Make the Move?
Securing the right health insurance is one of the most important (and often overlooked) steps in a successful visa application. Don’t wait until the last minute. Whether you’re heading to Spain, Portugal, or anywhere else, make sure your policy is not only affordable—but accepted.
Need help reviewing or comparing plans? Reach out, and we’ll help you find a plan that meets your requirements and your lifestyle.
