HQP Visa Insurance

Highly Qualified Professional (HQP) Visa Health Insurance for Spain

The Spanish HQP Visa (Visado para Profesionales Altamente Cualificados) under the Ley de Emprendedores is for non-EU senior professionals taking up qualifying roles in Spain. The route typically requires a defined salary threshold and qualifying job category. Spanish Consulates commonly request private health insurance as part of the visa file. This guide covers the visa-stage insurance requirements and the Beckham Law tax context that often applies to HQP applicants.

HQP Visa Insurance Pack

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Who the HQP Visa is for

The HQP Visa is for non-EU senior professionals taking up qualifying roles in Spain — typically executive, managerial, technical specialist or highly specialist roles meeting specific salary thresholds and qualification requirements. The route is faster than standard Work Visa processes.

Insurance at the visa file stage

Spanish Consulates commonly request:

  • Cover from a Spanish-authorised insurer
  • Sin copago and sin carencias
  • Annual cover with proof of payment
  • Comprehensive cover equivalent to the Spanish public health system
  • Repatriation cover where required

Beckham Law for HQP applicants

The Special Expatriate Regime (Beckham Law) commonly applies to qualifying HQP applicants, taxing only Spanish-sourced income at a flat rate for the first 6 years. Specific eligibility rules apply — check with a Spanish tax adviser experienced with HQP cases.

After arrival

Once the Spanish employer registers you with the Spanish social security system, you typically gain SNS access. Private cover is commonly retained as a top-up for faster specialist access. HQP applicants moving from no-income-tax jurisdictions (UAE, Singapore, Monaco) often place particular value on the speed of private specialist appointments.

High-net-worth and family considerations

HQP applicants often relocate with family. Each accompanying family member typically needs their own certificate.

Premium / VIP tier cover for HQP

For senior HQP applicants relocating to Madrid or Barcelona, premium / VIP tier Spanish-regulated cover with broader specialist networks is commonly arranged. 247 Expat Insurance handles this segment.

Common mistakes

  • Assuming the Spanish employer’s benefits cover the visa file healthcare evidence
  • Not engaging tax advice before move regarding Beckham Law eligibility
  • Using travel insurance for the visa application
  • Not arranging premium tier cover where appropriate to role and lifestyle

HQP Insurance Pack

Send your offer and family situation.

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FAQs

Does Beckham Law apply to HQP?

Commonly yes, for qualifying applicants. Speak to a tax adviser.

What salary threshold applies to HQP?

Verify current threshold — figures can change.

Can family members be on the same family policy?

Yes — each member typically has their own certificate from the family policy.

What about premium tier cover?

Available from Spanish-authorised insurers for senior relocating professionals.

How long does HQP processing take?

Faster than standard Work Visa — often a few weeks to a couple of months.

HQP Visa Insurance

Send your role and family details.

Get a QuoteTalk to an Adviser