Why have consulates become so strict?
Spanish law (Org. Law 4/2000) states that foreigners must have access to the same level of healthcare as Spanish citizens. The state-run SNS (Sistema Nacional de Salud) does not require payment for each visit to a physician. Therefore, if your insurance requires a co-payment (even a symbolic 5 euros), it is considered “incomplete.”
It’s important to understand the difference between insurance coverage and payment type. You can have coverage for a million euros, but if the contract type is “Con Copagos,” the official will mark it as inconsistent. This has been the most common reason for digital nomad visa denials in the past year.
“I’ve seen hundreds of refusals simply because of an incorrect line on the certificate. Many agents sell ‘Con Copagos’ policies because they’re cheaper and easier to sell. But ultimately, the client loses not only the cost of the insurance but also the opportunity to live in the country. My advice: always ask the insurance company for a certificate in Spanish that clearly states there are no additional fees or waiting periods.”
Михаил Г., независимый страховой консультант
A detailed comparison of providers for 2026
Below is a current table of Sin Copagos plans that are guaranteed to be verified at consulates in Moscow, Istanbul, and directly in Spain (UGE-CE).
| Parameter | Dkv Integral Élite | Asisa Internacional | Sanitas Mas Salud |
| Insurance Type | Sin Copagos | Sin Copagos | Sin Copagos |
| Payment Format | Unlimited | Unlimited | Unlimited |
| Geography Coverage | Yes | Yes | Option |
| Contract Term | Basic Included | Special Package | Included |
| Dentistry | 0 days (for residence permit) | 6 months | 0-3 months |
What are waiting periods (Carencias) and how to remove them?
Waiting periods are insurance company “protection” against clients who purchase a policy only to have expensive surgery the next day and then cancel the contract. The typical period is 3 to 8 months. However, to obtain a residence permit, it is crucial that the insurance coverage be fully effective from day one.
Some companies (such as DKV) may waive these waiting periods for certain visa types when applying through a certified agent. This is called a “Carencias Elimination.” Always check for this document when applying for residency.
Checklist for checking your policy:
- The contract or certificate contains the phrase “Sin copagos” or “Asistencia completa“.
- The policy is valid for at least 1 year (some consulates require an annual fee).
- Repatriation coverage (Repatriación de restos mortales) is included in the basic package.
- There are no limits on hospital stays.