Checking your insurance certificate before you submit it
Your certificate is the document that goes into the visa file. Ten minutes checking it against your passport and your consulate's current list is worth more than any amount of checking afterwards — because afterwards, the file has already been seen.
Two things decide whether this goes smoothly
One: the details on the certificate match your identity documents exactly. Names as they appear in the passport, not as you usually write them.
Two: the certificate answers what your own consulate asks for. Published requirements differ between consulates and change without notice, so the current list from the one handling your application is the only list that governs.
What follows is the pre-submission check. If you are still working out which document is which — certificate, conditions, particular conditions — start with the certificate guide and come back to this when you have the documents in front of you.
Nine checks, in the order worth making them
- Every name, spelled as the passport spells it. Middle names, second surnames, accents, hyphens. A file assembled from a form rather than copied from the document is where mismatches come from — and a mismatch between your certificate and your passport is a question you do not want the file to raise.
- Every person who needs cover is named. An application is assembled per person. Check the list against who is actually applying, including children. How household cover is built.
- Dates of birth match the passports. One transposed digit changes the age the policy was built on as well as the identity check.
- The product name reads Visado. Sanitas sells more than one policy called Residents. The visa variants are Sanitas Residents Visado and Sanitas Residents Platinum Visado, each with its own conditions. If your documentation names something else, ask before you submit anything.
- The cover dates are the ones you intended. The start date is the date you chose deliberately, and the policy runs for a minimum of one year. Why the start date matters.
- The no-copayment position is stated as you expect. Both Visado products are arranged without copayments — no separate per-use charge for covered services. Check how your own documentation words it, and ask us if it reads differently. What no copayments covers.
- The waiting-period position matches your product. Residents Visado has no waiting periods. Platinum has none on its core health-insurance cover, while some supplementary covers carry their own qualification periods. The detail per product.
- Territorial scope. The conditions describe cover as full and unlimited throughout Spanish national territory. Emergency assistance abroad is a separate cover with its own rules and limits — not the same thing, and not a substitute for it.
- Insurer identity and authorisation. The insurer is Sanitas, S.A. de Seguros, a Spanish insurer registered with the Directorate General for Insurance and Pension Funds under code C-320. If your consulate asks you to evidence that the insurer is authorised in Spain, that is the detail it is asking about.
Translation requirements are set by your consulate
Some consulates specify the language documents must be in, and some specify how a translation must be produced or certified. Those requirements are not uniform, and they are not something we can answer generically.
What to do: read the current list published by the consulate handling your application, note exactly what it says about language and translation, and if anything is ambiguous, ask that consulate rather than working from a forum answer or from what applied somewhere else. Bring the list to us and we will tell you what your documentation contains, so you can match the two up.
One thing this check cannot tell you
Whether your consulate accepts the file. We can confirm what your documentation contains and whether it is internally consistent; the decision belongs to the body that sets the requirements, and published requirements differ between consulates and change without notice.
Where that boundary sits, in full → · What NLV insurance requirements involve
Do not submit it and plan to fix it after
Once the file has been seen, an inconsistency is already part of it. Tell us what does not match and against what — the passport spelling, the date, the product name — and keep the version you were issued, so that if a document is reissued the change is traceable.
We do not put a timescale on corrections, because that depends on the insurer’s own process and on what needs changing. What we will do is tell you where it stands.
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Have your documentation checked
Whether you are arranging cover with us or already hold a policy, send us the consulate list you are working from and we will go through your documentation against it before you submit.
Already insured? Contact an adviser.