Based on the Organic Law 4/2000 (by Royal Decree 557/2011) and the Law 14/2013 (September 2013), the Spanish embassies and Ministry of Foreign Affairs requires that, to apply for one of the following:
Fast and unlimited access to our wide range of medical specialties:
Patients will be hospitalized in an individual room with an accompanying bed (except in ICUs, psychiatric hospitals, and in neonatal care unit).
20 sessions per year or 40 sessions in the case of eating disorders.
Dental care, simple extractions and an annual dental clean are covered.
Rehabilitation and physical therapy of the locomotive apparatus, pelvic floor rehabilitation, and cardiac rehabilitation.
Required medical and surgical procedures for the purpose of performing an autologous bone marrow transplant or a cornea transplant, together with the corresponding administrative procedures.
Request a second opinion from the best doctors in or outside of Spain for rare diseases.
Transportation of the bodily remains back to your loved ones.
Meets the requirements for Visa application, NIE (residence permit) application and renewal. Trusted by 100,000 international students and immigrants. Not even one applicant was rejected because of the insurance.
With the direct insurance model, we cut out the middlemen and redundant operational expenses to offer you the lowest price in the market. We also offer special discounts that you can’t get at any other office.
Being the game changer, we focus on making the use process as easy as possible. Medical appointments, replacement for a lost card, or renewal of insurance, do it all with a few clicks, in your language. All responses are within 24 hours.
Medical resources in quantity : we own the largest medical network nationwide, with over 43,000 doctors and 1,200 medical centers.Medical resources in quality: we only work with the best hospitals, e.g. Hospital Quironsalud - the Royal designated hospital.
Forget about claiming a reimbursement! Just show your insurance card at the hospital reception, and no payment from you will be needed. All paid by us automatically.
No need for additional travel insurance when traveling outside Spain. Medical and hospitalization expenses abroad, travel delays, loss of luggage, and 30+ other items are covered.
Spain has an extensive private healthcare network — and with InnoInsure, you have access to the best of it.
Anyone who holds a foreign passport or residence card who plans to come to Spain or are already in Spain can buy the expat (health) insurance.
Travel insurance usually sets a limit of maximum 3 months abroad. The expat insurance doesn’t. It offers you continuous protection no matter how long you stay in Spain.
Travel insurance only covers emergencies. The expat (health) insurance covers emergencies, medical specialties, diagnostic tests, hospitalization, ICU, rehabilitation and more.
Travel insurance does NOT meet the requirements of residency application and renewal in Spain. The expat (health) insurance does.
According to the VISA/residence application and renewal requirements, the insurance should cover your entire stay in Spain.
If you stay in Spain for more than 1 year, you can insure for 1 year and renew the insurance annually.
Expat insurance is health insurance and most health insurance in Spain insures in months, with the start date the 1st day of a month and the end date the last day of a month.
Make sure that the insurance covers your entire stay in Spain. For example, if you stay in Spain between June 2018 and April 2019, then select June 2018 as the start month and April 2019 the end month. At least a 3-month period needs to be selected.
If you’re buying insurance for more than 6 people, fill in the form called Insure for a Group, and we’ll contact you within hours.
Absolutely! We use the same payment platform that Google, Amazon, and thousands of big enterprises are using. We do NOT store your payment information on our website.
We will send you the insurance certificate and detailed terms which fully meet the Immigration and embassy requirements.
We guarantee the documents will be sent to you within 1-3 working days after completing the order.
If you need to extend your insurance, you can click the Renew button on Dashboard → My Insurances, or place a new order indicating the number of months you would like to add. Please contact us if you have any questions regarding the renewals.
If you need to change the start date of your insurance, please contact us at least 3 working days before the scheduled start date. Due to the administrative workload involved in processing modification requests, a management fee of €10 per person will apply from the second modification request onward.
We do not normally accept cancellations. We only accept cancellations if your VISA or residency/renewal application is rejected. Just contact us indicating your policy certificate along with rejection letter and we'll take care of the rest. For more information regarding the refund policy, please check here.
In the case mentioned above, we will process the refund of all unused months in full within a period, generally of 1 month, depending on the case it may take longer (the time in which the money is reflected in your bank account will depend on your bank). Reimbursement costs for payments collected by third parties and fluctuations caused by the exchange rate will not be covered.
Yes, testing and treatment are covered.
The deductible is the amount paid by the policyholder before the insurance company starts to pay. Our insurance does NOT have deductibles.
A copayment is a flat fee paid by the policyholder to the hospital/clinic for a covered service. Our insurance does NOT have copayments.
A waiting period is the amount of time a policyholder must wait before some or all of their coverage comes into effect. Our insurance does NOT have a waiting period.
For existing clients seeking to renew their insurance, we recommend initiating the renewal process at least 1 week before your current policy's expiration date. Renewals beyond this period may be checked on a case-by-case basis according to company policy.
To ensure a seamless renewal, it's important to purchase the next consecutive month's coverage without any gaps. This facilitates the continuity of your insurance without interruptions.
If you have any question, please contact us.
At Innoinsure, we provide specialized expat insurance options tailored for Spanish visa/residency requirements, featuring characteristics such as no waiting periods and repatriation for visa applications. If you are unable to locate a specific insurance policy on the purchase page, it could be attributed to modifications in the eligibility criteria for new customers set by the insurance company. However, we encourage you to explore other eligible expat insurance products on our website that fully satisfy 100% of visa requirements. For more comprehensive details, please do not hesitate to get in touch with us.
If you purchase insurance near or after your policy's start date, it may take the insurance company and hospital around two weeks to process and activate your coverage. Processing times can be even longer during public holidays or peak vacation periods.
To avoid delays and ensure uninterrupted coverage, we strongly recommend purchasing your insurance well in advance and carefully selecting an appropriate start date.
To renew your insurance, please contact us at least 5 working days before the end date
of your current policy. If we do not receive your renewal request in time, it may be treated as a new application rather than a renewal.
The new policy period may come with a new insurance card and a new policy number.
For a smooth transition and uninterrupted coverage, we recommend submitting your renewal request as early as possible.
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