Yes, there is a 31-day insurance activation period or "waiting period".
What is the 31-day waiting period?
The activation period requires the policyholder to have an active policy for at least 31 days before making an appointment. Please note that regardless of the waiting period, you would still have some limited coverage (life threatening illnesses/injuries).
Does the 31-day waiting period apply to everyone?
No. There are two reasons why the waiting period can be waived:
If you start an expat health insurance policy within 31 days of arriving in Spain, then no waiting period applies. For example: if you arrive in Spain on the 1st of June then you must sign up for a policy before the end of that calendar month. Keep in mind that if you do file a claim within the first 31 days of your active policy, you will need to show proof that you moved and signed up within 31 days of arriving in Spain. Proof, in this case, could include an airline, train, or bus ticket.
Alternatively, if you have previous insurance of equal or greater coverage, and there is no gap in cover (your expat health insurance starts on the day of or before your previous insurance expires), then the waiting period would also be waived. The same situation applies as the first point, in that if you do file a claim within the first 31 days of your active policy, you will need to show proof of your previous insurance without a gap.
What happens if I were to become seriously ill or have a major accident during the waiting period?
In the case of a major incident such as an accident or sudden affliction, the waiting period would be waived and necessary treatment would be covered.
Can I submit claims that occurred during the waiting period after it is over?
No, only issues that commenced after the waiting period can be claimed for, with the exception of life threatening accidents or injuries.
What happens after the 31-day waiting period is over?
After the waiting time has ended, you may take advantage of the benefits of your policy.