Short answer
VisaFact results are evidence-based. GREEN means all requirements are verified by evidence; RED means a requirement conflicts with evidence; UNKNOWN means evidence is missing; YELLOW means partial evidence; NOT_REQUIRED means the authority does not require insurance. Always read results alongside the snapshot date and the authority source (Sources: BLS_ES_DNV_LONDON_2026, VFS_PT_E11_CHINA_2025, TH_MFA_DTV_2026).
Key findings at a glance
| Status | Meaning | What to do next |
|---|---|---|
| GREEN | Evidence confirms all requirements | Keep the certificate for submission |
| YELLOW | Partial evidence | Ask for missing clauses or documents |
| RED | Evidence conflicts with a requirement | Choose a different policy or route |
| UNKNOWN | Evidence missing | Request explicit proof from insurer |
| NOT_REQUIRED | Insurance not listed | Keep optional proof if desired |
What the authority requires
We only list requirements that are stated by the official authority for the route. For example:
- Spain DNV requires unlimited coverage, no deductible/co-pay/moratorium, and Spain authorization. (Source:
BLS_ES_DNV_LONDON_2026, page 2, item 9; verified 2026-01-12) - Portugal E11 requires medical expenses, urgent assistance, and repatriation coverage. (Source:
VFS_PT_E11_CHINA_2025, page 1; verified 2026-01-15) - Thailand DTV does not list insurance as a requirement. (Source:
TH_MFA_DTV_2026, verified 2026-01-12)
How we evaluate
We compare VisaFacts against ProductFacts using a rule engine. If a requirement is explicitly contradicted, the result is RED. If evidence is missing, the result is UNKNOWN rather than inferred. YELLOW indicates partial evidence. NOT_REQUIRED applies only when the authority does not list insurance. See /methodology/ for full logic.
How to read the result card
- Check the status color. This tells you whether evidence matches requirements.
- Open the evidence panel. Confirm the requirement wording and the product facts.
- Look for missing clauses. If the product certificate lacks a clause, expect UNKNOWN.
- Verify the snapshot date. Evidence can change; use the date to assess freshness.
- Compare to your certificate. The checker only matches what is explicitly documented.
Check in the engine
Use the compliance checker with a route and product. Example:
Related reading
- Spain DNV insurance hub
- Spain DNV requirements (route page)
- Spain DNV insurance mistakes
- Digital nomad insurance in Europe
- Methodology
Disclaimer + Affiliate disclosure
Not legal advice. Compliance results are evidence-based snapshots.
If a link is shown after results, it does not influence the evidence-based outcome.
Last updated: 2026-02-05
Evidence log
- Source: BLS_ES_DNV_LONDON_2026
- Source: VFS_PT_E11_CHINA_2025
- Source: TH_MFA_DTV_2026