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Short answer A Bulgaria long-stay Visa D requires an insurance policy for the whole period of stay, issued by an insurance company licensed in the European Union, with a minimum amount of coverage of 30,000 euros, and the policy must cover repatriation costs as well as emergency medical care and emergency hospital treatment (Source: BG_LONGSTAY_MFA_2026, Ministry of Foreign Affairs of the Republic of Bulgaria, Visa D (long-term) document; verified 2026-06-17). ...

Short answer A Lithuania national long-term (D) visa or temporary residence permit requires health insurance valid for the whole period of stay, with a minimum amount of EUR 5,792, covering basic medical assistance costs and return for health reasons (Source: LT_LONGSTAYD_URM_2026, Ministry of Foreign Affairs of Lithuania, Consular Information “Health Insurance”, Resolution No 230 of 1 March 2005; verified 2026-06-17). The EUR 30,000 figure that often appears for Lithuania is the short-term (C) visa minimum, not the national (D) visa. ...

Short answer Spain’s Digital Nomad and Non-Lucrative visas require a health policy from an insurer authorized in Spain, with unlimited cover and no deductible, no co-payment and no waiting period. Each of those terms has a specific meaning, and together they rule out most international travel-medical policies (Source: BLS_ES_DNV_LONDON_2026, page 2, item 9; verified 2026-01-12). Key findings at a glance Term What it means Why it matters Authorized in Spain Insurer registered to operate in Spain (e.g. DGSFP) Excludes unauthorized international insurers No deductible (excess) No amount you pay before cover applies A deductible is a direct conflict No co-payment No per-visit or per-service charge A co-pay is a direct conflict No waiting period Cover from day one A waiting period (carencia) is a conflict Unlimited / comprehensive No coverage cap, broad cover A capped policy can fail What the authority requires The Spain DNV checklist requires public or private health insurance from an insurance company authorized to operate in Spain, covering the risks insured by Spain’s public health system, comprehensive, full and unlimited, with no excess (deductible), no co-payments and no moratorium (waiting period) (Source: BLS_ES_DNV_LONDON_2026, page 2, item 9; verified 2026-01-12). The Non-Lucrative Visa checklist uses the same structure and adds that travel insurances with medical assistance coverage will not be accepted (Source: ES_NLV_LA_EXTERIORES_2026, item 8; verified 2026-06-08). ...

Short answer The Spain Digital Nomad Visa (DNV), submitted via BLS in London, requires a complete set of 14 documents. The most common point of failure is the health insurance item, which must come from an insurer authorized to operate in Spain (Source: BLS_ES_DNV_LONDON_2026, page 2, item 9; verified 2026-01-12). This guide summarizes the official checklist, the money requirement, and the timeline, then points you to the insurance check. Key findings at a glance Item Value Route Spain DNV (Consulate via BLS London) Document items on checklist 14 Financial means At least 200% of monthly SMI (stated as EUR 1,134/month, 2024) Consular decision time Up to 10 days (stated maximum) Visa validity Maximum 1 year Source BLS_ES_DNV_LONDON_2026, verified 2026-01-12 What the authority requires The official BLS London checklist lists the following documents (Source: BLS_ES_DNV_LONDON_2026, pages 1-4; verified 2026-01-12): ...

Short answer The Spain Non-Lucrative Visa (NLV) is for non-working residence. The official Consulate General of Spain checklist requires health insurance from an insurer authorized to operate in Spain, financial means of 400% of IPREM, a medical certificate, and a criminal record certificate (Source: ES_NLV_LA_EXTERIORES_2026, Required documents; verified 2026-06-08). This guide summarizes the documents and the money rule, then points you to the insurance check. Key findings at a glance Item Value Route Spain NLV (Consulate General of Spain, Los Angeles) Financial means 400% of IPREM (plus the full IPREM per family member) Insurance Health insurance authorized in Spain; travel insurance not accepted Medical certificate Required (2005 International Health Regulations) Source ES_NLV_LA_EXTERIORES_2026, verified 2026-06-08 What the authority requires The official consulate checklist lists, among its required documents (Source: ES_NLV_LA_EXTERIORES_2026, Required documents; verified 2026-06-08): ...

Short answer Many long-stay and residence visas reject travel-medical insurance and require comprehensive health insurance instead. The reason is in the wording of the official requirements: some authorities explicitly state travel insurance is not accepted, and others require cover at the level of the national health system, which short-term travel policies do not provide. This guide explains the difference using sourced examples. Key findings at a glance Item Value Topic Travel-medical vs health insurance for visas Example routes Spain NLV/DNV, Germany national visa Common reason for rejection Travel-only cover, deductibles, waiting periods, or unauthorized insurer How to verify Per-route compliance check What the authority requires Requirements differ by route, but two patterns recur: ...

Short answer An Anguilla student permit requires health insurance (for the applicant and any dependents), inclusive of coverage commencement and end dates, among the documents to attach to the application (Source: AI_STUDENT_GOVAI_2026, Government of Anguilla Higher Education Licensing Board; verified 2026-06-16). The process states no coverage amount or territory, so the engine models a single rule: insurance is mandatory. Key findings at a glance Item Value Route Anguilla Student Permit Authority Government of Anguilla, Higher Education Licensing Board (HELB) Evidence verified 2026-06-16 Snapshot 2026-06-13 Modeled rules Insurance mandatory What the authority requires Health insurance (applicable to the applicant and any dependents) is a document to attach to the student permit application. (Source: AI_STUDENT_GOVAI_2026; verified 2026-06-16) The process states no coverage amount and no territory, so those stay UNKNOWN. Normalized requirements table: ...

Short answer A Bermuda partner residence application requires applicants to have private health insurance coverage for the duration of their intended stay in Bermuda (Source: BM_PARTNERRESIDENCE_GOVBM_2026, Government of Bermuda Department of Immigration; verified 2026-06-16). The guidelines state no coverage amount, so the engine models two rules: insurance is mandatory, and it must cover the whole stay. Key findings at a glance Item Value Route Bermuda Partner Residence Authority Government of Bermuda, Department of Immigration Evidence verified 2026-06-16 Snapshot 2026-06-13 Modeled rules Insurance mandatory; must cover the whole stay What the authority requires Private health insurance coverage is required. (Source: BM_PARTNERRESIDENCE_GOVBM_2026; verified 2026-06-16) It must cover the duration of the intended stay in Bermuda. (Source: BM_PARTNERRESIDENCE_GOVBM_2026; verified 2026-06-16) The guidelines state no coverage amount, so that stays UNKNOWN. Normalized requirements table: ...

Short answer A Cabo Verde residence authorisation for a higher-education student requires the applicant to have health insurance (seguro de saude), per immigration law Lei n. 66/VIII/2014, art. 53 (Source: CV_STUDENTRES_DGTCV_2026, Boletim Oficial da Republica de Cabo Verde; verified 2026-06-16). The law states no coverage amount or territory, so the engine models a single rule: insurance is mandatory. Key findings at a glance Item Value Route Cabo Verde Residence Authorisation for Higher-Education Students Authority Republic of Cabo Verde (Boletim Oficial, Lei n. 66/VIII/2014) Evidence verified 2026-06-16 Snapshot 2026-06-13 Modeled rules Insurance mandatory What the authority requires A higher-education student residence authorisation is granted where the applicant has health insurance. (Source: CV_STUDENTRES_DGTCV_2026; verified 2026-06-16) The law states no coverage amount and no territory, so those stay UNKNOWN. Normalized requirements table: ...

Short answer Austria’s general granting requirements for residence permits state that third-country nationals must have health insurance that covers all risks in Austria, and that the presentation of a travel health insurance is not sufficient (Source: AT_RESIDENCE_BMI_2026, Federal Ministry of the Interior; verified 2026-06-14). The engine models four rules: insurance is mandatory, it must cover Austria, it must be comprehensive (all risks), and travel insurance is not accepted. Key findings at a glance Item Value Route Austria Residence Permit (third-country nationals) Authority Federal Ministry of the Interior of Austria (BMI) Evidence verified 2026-06-14 Snapshot 2026-06-13 Modeled rules Insurance mandatory; covers all risks in Austria; comprehensive; travel insurance not accepted What the authority requires Third-country nationals must have health insurance that covers all risks in Austria. (Source: AT_RESIDENCE_BMI_2026; verified 2026-06-14) The presentation of a travel health insurance is not sufficient. (Source: AT_RESIDENCE_BMI_2026; verified 2026-06-14) This is a general granting requirement; several permit types are exempt from demonstrating it (Red-White-Red card, EU Blue Card, researchers, students, ICT workers, cross-border workers). (Source: AT_RESIDENCE_BMI_2026) Normalized requirements table: ...