{"id":2406,"date":"2026-06-08T16:11:13","date_gmt":"2026-06-08T14:11:13","guid":{"rendered":"https:\/\/www.coseba.com\/seguros-expatriates\/?p=2406"},"modified":"2026-06-08T16:11:13","modified_gmt":"2026-06-08T14:11:13","slug":"assurance-sante-pour-lobtention-de-la-residence-en-espagne-les-exigences-de-limmigration-guide-pour-les-courtiers","status":"publish","type":"post","link":"https:\/\/www.coseba.com\/seguros-expatriates\/fr\/assurance-sante-pour-lobtention-de-la-residence-en-espagne-les-exigences-de-limmigration-guide-pour-les-courtiers\/","title":{"rendered":"Quel assurance sant\u00e9 pour un expatri\u00e9 en Espagne ? Le guide complet pour les courtiers"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2406\" class=\"elementor elementor-2406\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-21ed881 e-flex e-con-boxed e-con e-parent\" data-id=\"21ed881\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-01c6e63 elementor-widget elementor-widget-text-editor\" data-id=\"01c6e63\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Uno de los requisitos m\u00e1s desconocidos y m\u00e1s rentables para una corredur\u00eda que trabaja bien es la obligaci\u00f3n que tiene cualquier ciudadano extranjero no comunitario de contar con un seguro m\u00e9dico privado para obtener la residencia en Espa\u00f1a. No es una recomendaci\u00f3n. Es un requisito legal sin el cual el expediente no avanza.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-273cbdb e-flex e-con-boxed e-con e-parent\" data-id=\"273cbdb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2553eef elementor-widget elementor-widget-text-editor\" data-id=\"2553eef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Pour le courtier qui comprend ce m\u00e9canisme, chaque demande de titre de s\u00e9jour dans sa r\u00e9gion repr\u00e9sente une opportunit\u00e9 commerciale concr\u00e8te. Ce guide explique exactement ce qu&#8217;exige l&#8217;administration, les caract\u00e9ristiques que doit pr\u00e9senter la police d&#8217;assurance et comment transformer cette d\u00e9marche en une activit\u00e9 r\u00e9currente.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f270973 e-flex e-con-boxed e-con e-parent\" data-id=\"f270973\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a55c9f8 elementor-widget elementor-widget-heading\" data-id=\"a55c9f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pourquoi cette exigence existe-t-elle ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd1213a elementor-widget elementor-widget-text-editor\" data-id=\"cd1213a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La r\u00e9glementation espagnole sur l&#8217;immigration stipule que tout citoyen non communautaire qui sollicite un titre de s\u00e9jour de longue dur\u00e9e doit prouver qu&#8217;il dispose d&#8217;une couverture sant\u00e9 compl\u00e8te pendant toute la p\u00e9riode demand\u00e9e. Le demandeur n&#8217;a pas acc\u00e8s \u00e0 la sant\u00e9 publique avant d&#8217;avoir obtenu sa r\u00e9sidence et, dans certains cas, avant de cotiser \u00e0 la S\u00e9curit\u00e9 sociale. L&#8217;assurance priv\u00e9e vient ainsi combler ce vide.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e4fc49e elementor-widget elementor-widget-heading\" data-id=\"e4fc49e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Quels sont les types de titres de s\u00e9jour qui l'exigent ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f23bfda elementor-widget elementor-widget-text-editor\" data-id=\"f23bfda\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L&#8217;assurance maladie priv\u00e9e est une condition requise dans la plupart des cas les plus fr\u00e9quents:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ae698ac e-flex e-con-boxed e-con e-parent\" data-id=\"ae698ac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bb511dc elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"bb511dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-people-arrows\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M96,128A64,64,0,1,0,32,64,64,64,0,0,0,96,128Zm0,176.08a44.11,44.11,0,0,1,13.64-32L181.77,204c1.65-1.55,3.77-2.31,5.61-3.57A63.91,63.91,0,0,0,128,160H64A64,64,0,0,0,0,224v96a32,32,0,0,0,32,32V480a32,32,0,0,0,32,32h64a32,32,0,0,0,32-32V383.61l-50.36-47.53A44.08,44.08,0,0,1,96,304.08ZM480,128a64,64,0,1,0-64-64A64,64,0,0,0,480,128Zm32,32H448a63.91,63.91,0,0,0-59.38,40.42c1.84,1.27,4,2,5.62,3.59l72.12,68.06a44.37,44.37,0,0,1,0,64L416,383.62V480a32,32,0,0,0,32,32h64a32,32,0,0,0,32-32V352a32,32,0,0,0,32-32V224A64,64,0,0,0,512,160ZM444.4,295.34l-72.12-68.06A12,12,0,0,0,352,236v36H224V236a12,12,0,0,0-20.28-8.73L131.6,295.34a12.4,12.4,0,0,0,0,17.47l72.12,68.07A12,12,0,0,0,224,372.14V336H352v36.14a12,12,0,0,0,20.28,8.74l72.12-68.07A12.4,12.4,0,0,0,444.4,295.34Z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tVisa de r\u00e9sidence non lucrative\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tDestin\u00e9 aux retrait\u00e9s europ\u00e9ens et aux personnes disposant de revenus passifs. Il exige une assurance maladie priv\u00e9e sans reste \u00e0 charge (sans copaiement) et avec une couverture compl\u00e8te sur l'ensemble du territoire national. Ce profil pr\u00e9sente un pouvoir d'achat \u00e9lev\u00e9 et n\u00e9cessite souvent la souscription simultan\u00e9e de plusieurs polices.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85a2145 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"85a2145\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-laptop-house\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M272,288H208a16,16,0,0,1-16-16V208a16,16,0,0,1,16-16h64a16,16,0,0,1,16,16v37.12C299.11,232.24,315,224,332.8,224H469.74l6.65-7.53A16.51,16.51,0,0,0,480,207a16.31,16.31,0,0,0-4.75-10.61L416,144V48a16,16,0,0,0-16-16H368a16,16,0,0,0-16,16V87.3L263.5,8.92C258,4,247.45,0,240.05,0s-17.93,4-23.47,8.92L4.78,196.42A16.15,16.15,0,0,0,0,207a16.4,16.4,0,0,0,3.55,9.39L22.34,237.7A16.22,16.22,0,0,0,33,242.48,16.51,16.51,0,0,0,42.34,239L64,219.88V384a32,32,0,0,0,32,32H272ZM629.33,448H592V288c0-17.67-12.89-32-28.8-32H332.8c-15.91,0-28.8,14.33-28.8,32V448H266.67A10.67,10.67,0,0,0,256,458.67v10.66A42.82,42.82,0,0,0,298.6,512H597.4A42.82,42.82,0,0,0,640,469.33V458.67A10.67,10.67,0,0,0,629.33,448ZM544,448H352V304H544Z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tVisa Nomad Digital\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tCr\u00e9\u00e9 en 2023 pour les travailleurs \u00e0 distance qui prestent des services pour des entreprises bas\u00e9es hors d'Espagne. Il pr\u00e9sente la m\u00eame exigence en mati\u00e8re d'assurance que le visa non lucratif. Il s'agit d'un profil jeune, aux revenus \u00e9lev\u00e9s et tr\u00e8s habitu\u00e9 \u00e0 souscrire des services en ligne\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c505eee elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"c505eee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-Family\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tRegroupement familial\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tChaque membre de la famille regroup\u00e9 doit prouver sa couverture sant\u00e9. Une seule op\u00e9ration de regroupement familial peut ainsi g\u00e9n\u00e9rer la souscription simultan\u00e9e de plusieurs polices pour le cabinet de courtage\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98f1ca5 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"98f1ca5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-address-card\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M528 32H48C21.5 32 0 53.5 0 80v352c0 26.5 21.5 48 48 48h480c26.5 0 48-21.5 48-48V80c0-26.5-21.5-48-48-48zm0 400H48V80h480v352zM208 256c35.3 0 64-28.7 64-64s-28.7-64-64-64-64 28.7-64 64 28.7 64 64 64zm-89.6 128h179.2c12.4 0 22.4-8.6 22.4-19.2v-19.2c0-31.8-30.1-57.6-67.2-57.6-10.8 0-18.7 8-44.8 8-26.9 0-33.4-8-44.8-8-37.1 0-67.2 25.8-67.2 57.6v19.2c0 10.6 10 19.2 22.4 19.2zM360 320h112c4.4 0 8-3.6 8-8v-16c0-4.4-3.6-8-8-8H360c-4.4 0-8 3.6-8 8v16c0 4.4 3.6 8 8 8zm0-64h112c4.4 0 8-3.6 8-8v-16c0-4.4-3.6-8-8-8H360c-4.4 0-8 3.6-8 8v16c0 4.4 3.6 8 8 8zm0-64h112c4.4 0 8-3.6 8-8v-16c0-4.4-3.6-8-8-8H360c-4.4 0-8 3.6-8 8v16c0 4.4 3.6 8 8 8z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tGolden Visa\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tProfil d'investisseur d\u00e9tenant des biens immobiliers ou d'autres actifs en Espagne. L'assurance maladie n'est qu'une exigence parmi d'autres, mais le client a g\u00e9n\u00e9ralement aussi besoin d'une assurance habitation, vie et entreprise.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-815fbd2 e-flex e-con-boxed e-con e-parent\" data-id=\"815fbd2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a10dfb6 elementor-widget elementor-widget-heading\" data-id=\"a10dfb6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Quelles sont les conditions exactes que doit remplir la police d'assurance ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-538e9ed elementor-widget elementor-widget-text-editor\" data-id=\"538e9ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"body\">C&#8217;est pr\u00e9cis\u00e9ment sur ce point que de nombreux courtiers commettent des erreurs qui peuvent co\u00fbter au client le refus de son visa. L&#8217;Office de l&#8217;Immigration (<i data-path-to-node=\"1\" data-index-in-node=\"159\">Oficina de Extranjer\u00eda<\/i>) n&#8217;accepte pas n&#8217;importe quelle assurance maladie.<\/p><div class=\"requisitos\"><div class=\"req\">\u00a0<\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a0e0557 e-flex e-con-boxed e-con e-parent\" data-id=\"a0e0557\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3a9c7b3 e-con-full e-flex e-con e-child\" data-id=\"3a9c7b3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-499055b elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"499055b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-cross-circle\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tSans reste \u00e0 charge\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tLa police ne peut inclure ni copaiements ni franchises. La prise en charge doit \u00eatre \u00e0 100 % pour les consultations, les examens m\u00e9dicaux et les hospitalisations.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-555b759 e-con-full e-flex e-con e-child\" data-id=\"555b759\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-691dbfe elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"691dbfe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-infinity\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M471.1 96C405 96 353.3 137.3 320 174.6 286.7 137.3 235 96 168.9 96 75.8 96 0 167.8 0 256s75.8 160 168.9 160c66.1 0 117.8-41.3 151.1-78.6 33.3 37.3 85 78.6 151.1 78.6 93.1 0 168.9-71.8 168.9-160S564.2 96 471.1 96zM168.9 320c-40.2 0-72.9-28.7-72.9-64s32.7-64 72.9-64c38.2 0 73.4 36.1 94 64-20.4 27.6-55.9 64-94 64zm302.2 0c-38.2 0-73.4-36.1-94-64 20.4-27.6 55.9-64 94-64 40.2 0 72.9 28.7 72.9 64s-32.7 64-72.9 64z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tSans plafond de garantie\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tLa prise en charge ne peut pas \u00eatre limit\u00e9e \u00e0 un montant maximum par pathologie ou par an. Le plafond de garantie doit \u00eatre suffisamment \u00e9lev\u00e9 ou illimit\u00e9.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9a3e72f e-con-full e-flex e-con e-child\" data-id=\"9a3e72f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-37d610c elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"37d610c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-flag\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M336.174 80c-49.132 0-93.305-32-161.913-32-31.301 0-58.303 6.482-80.721 15.168a48.04 48.04 0 0 0 2.142-20.727C93.067 19.575 74.167 1.594 51.201.104 23.242-1.71 0 20.431 0 48c0 17.764 9.657 33.262 24 41.562V496c0 8.837 7.163 16 16 16h16c8.837 0 16-7.163 16-16v-83.443C109.869 395.28 143.259 384 199.826 384c49.132 0 93.305 32 161.913 32 58.479 0 101.972-22.617 128.548-39.981C503.846 367.161 512 352.051 512 335.855V95.937c0-34.459-35.264-57.768-66.904-44.117C409.193 67.309 371.641 80 336.174 80zM464 336c-21.783 15.412-60.824 32-102.261 32-59.945 0-102.002-32-161.913-32-43.361 0-96.379 9.403-127.826 24V128c21.784-15.412 60.824-32 102.261-32 59.945 0 102.002 32 161.913 32 43.271 0 96.32-17.366 127.826-32v240z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tCouverture nationale\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tUne police dont la couverture est restreinte \u00e0 une seule communaut\u00e9 autonome ou \u00e0 un r\u00e9seau de centres de soins tr\u00e8s limit\u00e9 n'est pas valable.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-75ab6f6 e-con-full e-flex e-con e-child\" data-id=\"75ab6f6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-82e7ba4 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"82e7ba4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-cross-circle\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tSans reste \u00e0 charge\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tLa police ne peut inclure ni copaiements ni franchises. La prise en charge doit \u00eatre \u00e0 100 % pour les consultations, les examens m\u00e9dicaux et les hospitalisations.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-da8229a e-flex e-con-boxed e-con e-parent\" data-id=\"da8229a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d36ba36 elementor-widget elementor-widget-heading\" data-id=\"d36ba36\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Quels documents le client demande-t-il \u00e0 son courtier ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80ed25a elementor-widget elementor-widget-text-editor\" data-id=\"80ed25a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-path-to-node=\"1\">Lorsque le client s&#8217;adresse au cabinet de courtage, il a besoin de bien plus que de sa simple police d&#8217;assurance. L&#8217;administration exige des documents sp\u00e9cifiques que le courtier doit conna\u00eetre et pr\u00e9parer :<\/p><ul data-path-to-node=\"2\"><li><p data-path-to-node=\"2,0,0\">Le contrat complet comprenant les conditions g\u00e9n\u00e9rales et particuli\u00e8res<\/p><\/li><li><p data-path-to-node=\"2,1,0\">L&#8217;attestation de paiement en vigueur prouvant que la police est active<\/p><\/li><li><p data-path-to-node=\"2,2,0\">L&#8217;attestation de couverture \u00e9mise par la compagnie d&#8217;assurance (parfois exig\u00e9e en anglais ou apostill\u00e9e selon les consulats)<\/p><\/li><li><p data-path-to-node=\"2,3,0\">Dans certains cas, une lettre de la compagnie d&#8217;assurance confirmant que la police remplit les conditions requises par les services de l&#8217;immigration<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2575186 e-flex e-con-boxed e-con e-parent\" data-id=\"2575186\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0bf1952 elementor-widget elementor-widget-text-editor\" data-id=\"0bf1952\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"aviso\"><p>Le courtier qui anticipe ces d\u00e9marches et fournit l&#8217;int\u00e9gralit\u00e9 des documents d\u00e8s le d\u00e9part cr\u00e9e une exp\u00e9rience client qui fait toute la diff\u00e9rence par rapport \u00e0 celui qui se contente de vendre une police et laisse le client g\u00e9rer seul les formalit\u00e9s administratives<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a7434ee e-flex e-con-boxed e-con e-parent\" data-id=\"a7434ee\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-97eb511 elementor-widget elementor-widget-heading\" data-id=\"97eb511\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Quels documents le client demande-t-il \u00e0 son courtier ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c95810c elementor-widget elementor-widget-text-editor\" data-id=\"c95810c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-path-to-node=\"0\">Voici la traduction professionnelle en fran\u00e7ais pour ces paragraphes, r\u00e9dig\u00e9e dans un style fluide, percutant et parfaitement adapt\u00e9 au secteur du B2B et du conseil en assurances :<\/p><p data-path-to-node=\"1\">\u00abL&#8217;expatri\u00e9 qui a besoin de cette assurance ne sait pas toujours quoi chercher. Beaucoup arrivent avec des informations incompl\u00e8tes obtenues sur des forums ou des groupes dans leur propre langue. Certains ont m\u00eame d\u00e9j\u00e0 souscrit une police non conforme qui a \u00e9t\u00e9 rejet\u00e9e par l&#8217;Office de l&#8217;Immigration.<\/p><p data-path-to-node=\"2\">Le courtier qui ma\u00eetrise ce processus, sait quelle police est valable ou non, conna\u00eet les exigences de chaque visa, pr\u00e9pare un dossier documentaire complet et r\u00e9pond aux doutes du client dans sa langue maternelle, n&#8217;a plus besoin de faire face \u00e0 la concurrence par les prix<b data-path-to-node=\"2\" data-index-in-node=\"0\">.<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bbc8626 elementor-widget elementor-widget-heading\" data-id=\"bbc8626\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comment Coseba peut vous aider<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c72b19d elementor-widget elementor-widget-text-editor\" data-id=\"c72b19d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-path-to-node=\"1\">Chez Coseba, nous ma\u00eetrisons parfaitement le segment des assurances pour expatri\u00e9s en Espagne. Nous connaissons dans les moindres d\u00e9tails les exigences li\u00e9es \u00e0 chaque type de visa, les compagnies d&#8217;assurance dont les produits sont syst\u00e9matiquement valid\u00e9s par l&#8217;administration, ainsi que les documents requis pour chaque client.<\/p><p data-path-to-node=\"2\">Si votre cabinet de courtage est implant\u00e9 dans une zone \u00e0 forte pr\u00e9sence d&#8217;expatri\u00e9s, nous pouvons vous fournir un acc\u00e8s direct aux produits adapt\u00e9s, la formation n\u00e9cessaire ainsi que l&#8217;accompagnement indispensable pour vous permettre de conseiller vos clients en toute s\u00e9r\u00e9nit\u00e9 d\u00e8s le premier jour.<\/p><div class=\"cta\">\u00a0<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ac4bc54 e-flex e-con-boxed e-con e-parent\" data-id=\"ac4bc54\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5c66095 elementor-widget elementor-widget-heading\" data-id=\"5c66095\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Votre cabinet de courtage est-il situ\u00e9 en zone c\u00f4ti\u00e8re ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-655d5ec elementor-widget elementor-widget-text-editor\" data-id=\"655d5ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"cta-sub\">La relation client reste votre priorit\u00e9. Nous y apportons notre expertise et nos produits.<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4974ae1 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"4974ae1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.coseba.com\/franquicia-de-seguros\/#contacto\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Nous contacter<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Uno de los requisitos m\u00e1s desconocidos y m\u00e1s rentables para una corredur\u00eda que trabaja bien es la obligaci\u00f3n que tiene cualquier ciudadano extranjero no comunitario de contar con un seguro m\u00e9dico privado para obtener la residencia en Espa\u00f1a. No es una recomendaci\u00f3n. Es un requisito legal sin el cual el expediente no avanza. Pour le [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":1890,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[46],"tags":[],"class_list":["post-2406","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-fr"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Assurance sant\u00e9 pour l&#039;obtention de la r\u00e9sidence en Espagne : les exigences de l&#039;immigration. 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