15 dic 2025
Secure Your Spanish Dream: The Ultimate Guide to ASISA Health Residents Insurance
Moving to Spain is a life-changing adventure, but navigating the immigration bureaucracy can often feel like an obstacle course. Whether you are applying for a Non-Lucrative Visa (NLV), a Golden Visa, or simply renewing your Residency Permit, there is one requirement you cannot overlook: the mandatory private health insurance.
Spanish Immigration Offices (Extranjería) are notoriously strict regarding health coverage. To avoid a rejected application, you need a policy that ticks very specific boxes. Today, we are breaking down ASISA Health Residents, a product specifically designed to meet these legal requirements and get your visa approved.
Why Do You Need a Specific Insurance for Residency?
According to Spanish regulations (Organic Law 4/2000), foreigners wishing to reside in Spain for more than 90 days must hold health insurance that provides coverage identical to the Spanish National Health System.
To be accepted by the consulate or immigration office, your policy must meet these four strict criteria—all of which are standard in ASISA Health Residents:
Complete Coverage: It must cover hospital and outpatient care.
No Co-payments: You cannot pay extra fees for doctor visits; the premium must cover everything.
No Waiting Periods: You must be entitled to medical assistance from the moment the policy starts.
Coverage Duration: It must cover the entire period of your stay or residency.
ASISA Health Residents: Tailor-Made for Expats
ASISA has developed this product specifically for individuals who do not hold a Spanish passport or National ID Card and need compulsory health insurance to apply for residency.
Top Benefits for Your Visa Application:
100% Compliance: It meets all legal requirements for residency and long-stay visas.
Immediate Certification: You receive the certificate required for the visa application immediately upon contracting.
Repatriation Included: The policy includes repatriation to the country of origin in case of death, a crucial requirement for many consulates.
What Does the Policy Cover?
Beyond satisfying the paperwork, ASISA Health Residents offers top-tier private healthcare access across Spain.
1. Comprehensive Medical Care
You gain access to the extensive ASISA medical directory without co-payments. Coverage includes:
Primary Care & Specialists: General medicine, pediatrics, nursing, and access to specialists.
Hospitalization: Coverage for surgical, medical, pediatric, and psychiatric admissions (up to 50 days/year for psychiatric care).
Diagnostic Tests: Access to modern diagnostic means and special treatment techniques.
Surgeries: Both outpatient surgery and major interventions.
Emergencies: 24/7 emergency services.
2. Essential Extras for Expats
Travel Assistance: If you travel outside of Spain, you are covered for medical expenses up to €25,000 per insured party per trip.
Transplants: Coverage includes bone marrow and corneal transplants.
Psychotherapy: Up to 20 sessions per year generally, and up to 40 sessions for specific issues like eating disorders or bullying.
Customizable Options
While the core policy is comprehensive, you can voluntarily add optional coverages to suit your needs:
Dental Insurance: Access to dental care with specific coverage tables and reimbursement options for oral accidents.
Accidental Death & Hospitalization Benefit: Additional indemnities for extra peace of mind.
Frequently Asked Questions (FAQ)
How do I pay for this insurance?
To comply with immigration requirements, the first premium payment is typically made by bank card (credit/debit) upon signing the policy. This ensures you have proof of payment for the full period, which authorities often require.
Can I renew the policy?
Yes. The contract is annual and automatically renewable for successive years unless you or the company cancel it. From the second year onwards, if you have a Spanish bank account (IBAN), you can pay via direct debit.
Does it cover pre-existing conditions?
As with most private insurance in Spain, healthcare resulting from conditions present prior to taking out the policy (known and undeclared) is generally excluded. It is vital to be honest on your health questionnaire.
Is there an age limit?
The product is available for contracting, but note that premiums are calculated based on age brackets. Optional benefits like the Accidental Death cover have renewal limits up to age 70.
Ready to start your new life in Spain? Don't let a missing document delay your residency. At Seguren, we help you secure your ASISA Health Residents policy quickly, ensuring you have the perfect "Visa Compliant" insurance.
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