Just Insurance

A beautiful apartment, fast Wi-Fi, sunshine…☀️💻 and a rejected visa application? 😕

For digital nomads moving to Spain, health insurance is not just another box to tick. It can be one of the most important parts of the visa process.

Many applicants assume that international travel insurance is enough. In reality, Spanish immigration authorities usually require compliant health insurance, not emergency-only travel cover. 🛡️ Policies may need to provide full medical cover, no co-payments, immediate cover from day one, and validity for the entire visa period.

The details matter. ✅ Co-payments, exclusions, waiting periods or an insurer not authorised to operate in Spain can create delays or complications.

At Just Insurance, we guide remote workers and international residents through the process of choosing suitable health insurance in Spain.

Read our guide for digital nomads:

https://justinsurance.es/en/health-insurance-spain-digital-nomads/

Questions? Contact us on WhatsApp: +34677455883

Digital Nomads: Do They Need Health Insurance in Spain? - Just Insurance ® One of the most common questions remote workers ask is: do digital nomads need health insurance in Spain?

🔍 Understanding Key Insurance Terms in Spain - Explained Simply!

Whether you’re new to Spain or reviewing your policy, insurance terminology can be confusing. But understanding the basics helps you make smarter choices and avoid costly surprises. Here are some of the most important terms - clearly explained 👇

✔️ Excess
The amount you pay out of pocket if something happens.
Example: if your claim is €1,000 and your excess is €300, you pay €300, and the insurer covers the rest.
Choosing a higher excess can help reduce your insurance premium.

✔️ Liability cover
Covers damage or injury you may cause to other people or their property - but not your own.
• In car insurance, it’s legally mandatory in Spain.
• In some business activities, it’s also required.
• For home insurance, it’s not mandatory if it´s a place of your own residence, but highly recommended.

✔️ Comprehensive (All risk)
Sometimes misunderstood - many think it means “everything is covered, no matter what.”
• In car insurance, it includes damage to your own vehicle, even if you’re at fault - but not mechanical breakdown.
• In home insurance, it may cover accidental damage, but not wear and tear or old appliances.
Example: your child knocks over the TV? ✅ Covered. A 15-year-old washing machine stops working? ❌ Not covered.

✔️ Waiting periods (Carencias)
Some policies include a waiting time before certain benefits take effect.
This is common in health insurance, especially for surgeries, maternity, or advanced treatments. Always check what applies and when.

✔️ Underinsurance
When the insured amount is less than the real value of your home, car, or belongings.
If you make a claim, your compensation could be reduced proportionally.
Make sure your cover reflects current values.

Looking for cover in Spain? We’ll help you choose the right policy and explain exactly what’s included - clearly and simply.

📲 Call us: +34 865 443 169
👉 More tips on our blog https://justinsurance.es/en/blog/

🌐 The Way We Live Has Changed - And So Have the Risks

We buy, work, connect and share online every day.
But convenience comes with new digital threats - from online-purchase fraud to identity misuse, privacy breaches or even cyber-harassment.

🔒 At Just Insurance, we help you stay protected with Digital Protection Insurance designed for modern life.

It can support you when:
• an online purchase goes wrong or never arrives,
• your payment card is used fraudulently,
• your personal data or privacy is misused,
• you face cyber-harassment or need digital-rights assistance,
• you need cybersecurity guidance or tech support.

If your world is online, your protection should be too. Let’s make sure it evolves with you. 🛡

🇪🇸 What Is the “Consorcio” and Why You Still Need Private Insurance in Spain?

If you live in Spain or own property here, you’ve probably heard of the Consorcio de Compensación de Seguros (CCS) - a public institution that protects policyholders from extraordinary risks.

But what exactly does that mean? 🤔

🌊 The Consorcio covers:

- Natural disasters (floods, earthquakes, volcanic eruptions)
- Terrorist attacks or riots
- Damage caused by the armed forces during peacetime

In short, the Consorcio steps in when something truly extraordinary happens - the kind of events that regular insurers usually exclude.

💡 Here’s the catch:
The Consorcio only provides compensation if you already have a valid private insurance policy that includes a small CCS surcharge.
Without private insurance, there’s no Consorcio protection.

✅ In summary:
Private insurance → everyday risks
Consorcio → extraordinary risks

At Just Insurance, we make sure you’re protected on both fronts - giving you peace of mind no matter what life brings.