Spain is a popular European country that attracts not only businessmen, but also tourists from all over the world. The state is among the countries that have entered into the Schengen Agreement, so you will need an insurance policy to enter Spanish territory. This document is issued separately from the visa and guarantees that you will be provided with medical assistance in an emergency. Many travelers wonder if insurance to Spain is mandatory and whether it is possible to do without this document? The insurance policy is one of the mandatory documents that are submitted for a visa. The absence of such a certificate will lead to a refusal to issue a visa, so insurance is mandatory for every traveler.
Russian citizens must also obtain a visa to cross the border with Spain, so each guest needs to take out insurance. This is not just a formality, but a guarantee that compatriots will not be left alone with the problem in a foreign country and will receive appropriate assistance.
Standard insurance for entry into a European country covers the following services:
The list of available services may be different and some companies offer a number of additional options to their customers. The policy will not only be needed to apply for a visa, but can also be very useful while in Spain. The cost of medical services in European countries is much higher than in Russia, so insurance can pay off in just one visit to the hospital.
The client can choose the content for the insurance policy independently, but the basic services will be the same for everyone. In addition to the services listed above, you can choose a number of additional services to insure yourself against possible dangers.
Depending on how exactly you are going to spend your time on vacation, the options that you may need are selected. For example, fans of extreme sports will be interested in the option of providing medical care in case of various injuries. In addition to medical services, insurance companies offer to use other services. So, you can insure yourself against the loss of luggage or return part of the money spent on the purchase of tickets in case of cancellation of the trip.
Insurance policies are divided into several categories based on cost and coverage:
As a rule, the insurance company simply pays for the services of medical personnel. However, there is another tariff at which you can get back the money spent on visiting a doctor. This option is convenient because you can go to any doctor and visit a hospital that does not cooperate with your insurance company.
An insurance document will be required for any tourist who enters the territory of Spain. Without a policy, a visa is not issued, so you will have to purchase insurance in any case. In addition, the cost of the policy is much less than the prices for services in hospitals, so this solution can be very profitable.
The policy is useful for all categories of travelers, since no one is immune from accidents. For those who are going to spend a long time in the country, an insurance policy is needed not only because of the paperwork. You can face an extreme situation at any time and use an insurance policy instead of paying large hospital bills.
For those who want to stay in Spain for a long time and obtain legal resident status, it is important to study all the requirements. So, the presence of insurance will be a mandatory item. In this case, the policy is issued for the entire period of stay in the country and must be valid for the rest of the Schengen countries. When applying to the visa center, you will be asked for a copy of the document, which is printed in color or a document with a blue seal. Russian insurance issued by companies that operate in the territory of our country may be rejected. This rule has appeared recently, some employees ignore it and accept such policies.
If you want to avoid any difficulties and decide to insure yourself in a foreign company, you need to find an institution that provides such services. Some tour operators offer the services of intermediaries for the purchase of an insurance policy in a foreign company. You can also try to buy the document yourself by filling it out on the site. Difficulties with the acquisition will arise for those who do not have a foreign bank card, since the cards of Russian banks will be useless. The procedure for obtaining is no different from a similar process in a Russian company, so you just have to choose the type of policy and fill out a table with personal data.
An insurance policy seems like a waste of money, but many people forget about the high cost of medical services in Europe. You will definitely need such a document and the support of the insurance company in the following cases:
In such situations, you will need extended insurance that covers specific medical services.
The cost of insurance is determined by several factors:
Many clients of insurance companies are interested in how much health insurance costs in Spain, but forget about the prices for medical care. In Spain, the medical sector is divided between public institutions and private hospitals. If you do not have a policy, the list of available services in the municipal clinic will be minimal. The standard policy, which covers 30 thousand euros, opens access to most services in Spanish hospitals.
If you decide to buy insurance for a tourist trip, it should be borne in mind that the country has a minimum limit on such a document. Here are the basic rates at which the cost of insurance begins:
Depending on how much time you are going to spend in Spain, the policy can be issued for a month, quarter, trimester or year. By the way, you have the opportunity to renew the previously purchased package if you decide to stay in Spain.
Since the insurance policy is a mandatory document for tourists, we recommend that you print it out and keep it on hand. In the case when you need medical help, you must act according to simple instructions:
In a situation where it is impossible to contact a representative of the insurance company, we advise you to pay for the services of the hospital yourself. Within the next 30 days, you can contact the insurance company to compensate for the costs and provide documents confirming your losses.
To apply for an insurance policy, you must contact companies that provide such services. Most organizations work remotely, so you can easily draw up the necessary document without visiting the office.
The registration procedure is simple and consists of several steps. Since the cost depends on the type of insurance itself and individual parameters, it is necessary to fill out the table and enter the required data:
After filling out, you will receive the exact cost of the policy, you will be able to pay the tariff and receive the document in a convenient way. A standard package can be issued for one person or for a group, the number of participants in one contract is indicated in the description.
The document is sent by e-mail, the original is rarely required. Even to obtain a visa, you only need to provide a copy, so you don't have to order expensive shipping by the postal service. By the way, it is better to keep the electronic document so that you can always provide the original or print another copy of the policy.
Employees of insurance companies answer all questions in detail, so you can contact consultants while filling out the table. They will tell you how much insurance costs in Spain and what services the standard rate covers. We recommend that you familiarize yourself with offers from different companies in order to choose the best option for yourself and your family.