Short answer
Do not begin with a policy. Begin with the Social Security arrangement for the applicant and employer or self-employed activity, then identify any remaining healthcare evidence.
Map the Social Security position
Record whether the applicant is employed or self-employed and which country’s legislation will apply.
- Employment or self-employment route identified
- Spanish registration or applicable coordination route checked
- Official certificate obtained where an agreement applies
- Healthcare effect of the certificate confirmed
If private evidence is needed
Apply the current UGE and consular instructions to the final contract.
- Insurer authorised to operate in Spain
- Equivalent healthcare scope checked
- Not travel or reimbursement-only insurance
- No co-payments or waiting periods where UGE rules apply
Check the application pack
Every applicant needs evidence suited to their own position.
- Correct names and dates
- Acceptable evidence for every accompanying family member
- Certificate and full terms retained
- Current deciding-authority checklist saved