What is the 31-day waiting period for expat health insurance?
The 31-day waiting period means you must have an active expat health insurance policy for at least 31 days before you can use most benefits or make appointments for non-emergency care. Limited coverage for life-threatening illnesses or injuries applies during this time.
When does the 31-day waiting period not apply?
The waiting period can be waived in the following cases:
If you start your expat health insurance policy within 31 days of arriving in Spain, the waiting period does not apply. You must provide proof of your arrival date and timely enrollment if you file a claim within the first 31 days. Acceptable proof includes travel tickets.
If you have previous health insurance with equal or greater coverage and there is no gap between the end of your prior insurance and the start of your expat health insurance, the waiting period is waived. You must provide proof of continuous coverage if you file a claim within the first 31 days.
What coverage is available if I become seriously ill or have a major accident during the waiting period?
If you experience a major incident, such as a serious accident or sudden severe illness during the waiting period, the waiting period is waived and necessary treatment is covered.
Can I submit claims for medical issues that started during the waiting period after it ends?
No. Claims can only be made for medical issues that begin after the waiting period has ended, except for life-threatening accidents or injuries that occur during the waiting period.
What happens after the 31-day waiting period ends?
After the waiting period, you have full access to the benefits of your expat health insurance policy for covered medical care and services.