The health insurance certificate is the specific document Spanish Consulates examine when reviewing a long-stay visa file. A general policy summary or insurance letter is typically not enough — the certificate needs to reference the visa type and confirm specific structural elements. This guide explains what the certificate should contain, why bilingual EN/ES is helpful, and how 247 Expat Insurance prepares documents for visa submissions.
Send your visa type, Consulate, appointment date, ages and region in Spain. We’ll prepare a certificate from a Spanish-regulated insurer.
Request a CertificateTalk to an AdviserThe visa health insurance certificate (certificado de seguro) is a standalone document issued by your insurer specifically confirming compliance with the requirements commonly requested for Spanish visa applications. It is separate from the underlying policy and from the policy schedule.
Spanish Consulates commonly review the certificate as the primary document at the insurance step of the visa file. A general policy summary or insurance letter often does not include the specific visa-type reference or the structural wording the Consulate looks for.
All four together form the typical insurance pack.
The certificate typically includes specific Spanish-language references that Consulates commonly look for:
The certificate typically shows the policy start date and end date covering a 12-month period. The start date should align with expected entry to Spain or the visa start date. A policy term under 12 months may not be suitable for visa applications.
The Spanish phrases “sin copagos” and “sin carencias” (or “sin periodos de carencia”) commonly appear on the certificate. Consulates often look for these phrases explicitly — a generic English-only summary mentioning “no copay” without the Spanish wording can be weaker.
Where repatriation cover is included, the certificate typically includes “cobertura de repatriación” or “incluye repatriación.” See our repatriation guide.
247 Expat Insurance arranges Spanish-regulated visa insurance with bilingual EN/ES certificates referencing the visa type, alongside an annual payment receipt and the full policy schedule. Seven days a week support around tight appointment dates. Related: visa-compliant cover, proof of payment, repatriation, if rejected.
Send your details. We work seven days a week around tight appointment dates.
Request a CertificateTalk to an AdviserA policy schedule alone is typically not enough — Consulates commonly look for a standalone certificate referencing the visa type and confirming structural compliance.
Bilingual EN/ES is commonly the working standard. The Spanish phrases the Consulate scans for sit on the document itself.
Replace with a certificate from a Spanish-regulated insurer that includes the standard wording. We can help prepare a replacement.
Yes — we typically prepare certificates with a start date aligning with your expected visa entry.
Yes — each family member typically needs their own certificate referencing the family policy.
Bilingual certificate, annual payment receipt and policy schedule prepared together.
Request a CertificateTalk to an Adviser