Hi all, here is a highly specific question about my visa application that I'm really hoping someone can help with.
I'm moving to Spain to take a job with a university. The university will be submitting my residence application. Once I receive my residence, they've instructed me to seek an "entrepreneur visa" through the Spanish consulate.
I'm in the jurisdiction of the Spanish consulate in Houston. The health insurance requirements they list on their website (https://www.exteriores.gob.es/Consulados/houston/en/ServiciosConsulares/Paginas/Consular/Visado-para-emprendedor.aspx) seem extremely demanding:
>Proof of Health insurance: Certificate in Spanish issued by an Insurance Company authorized to operate in Spain.
It must include all risks covered by the National Health System in Spain and for the entire intended period of stay in Spain
>o It must not have any deductible, copayment or coverage limit
o it must cover 100% of the medical, hospital and out-of-hospital expenses.
o Insurance cards will not be accepted as proof of coverage.
o Travel insurance will not be accepted.
(It seems that the requirements vary substantially across consulates. Replace "houston" with "nuevayork" in the URL above and the only requirements listed are: "Health insurance. Original and a copy of the certificate accrediting the public or private health insurance contracted with an insurance entity authorized to operate in Spain.")
(Also, note that these are the same requirements the Houston consulate lists for the "non-working resident visa": https://www.exteriores.gob.es/Consulados/houston/en/ServiciosConsulares/Paginas/Consular/Visado-de-residencia-no-lucrativa.aspx)
So my questions:
Does anyone know what they mean when they say "no coverage limit"? Clearly they have some set of coverages in mind, but they don't spell them out explicitly. (e.g. I don't imagine they need the insurance to cover cosmetic surgeries, or massage therapy, etc. -- but where do you draw the line?)
Does anyone have recommendations for which insurance providers would offer a policy that meets these requirements?
Thanks very much for your help!