🇪🇸Asisa: App, Policy Card, Doctor Appointments and Emergency Care

Concept

ASISA (Asistencia Sanitaria Interprovincial de Seguros, S.A.U.) is a Spanish insurer licensed by DGSFP, specializing in health insurance in the form of services provided through a medical network. The ASISA Salud policy is one of the standard options for Spanish immigration files under the Digital Nomad Visa.

🍓 An ASISA policy in an immigration file serves the same function as DKV—medical coverage equivalent to the Spanish national healthcare system. It is not proof of income or tax residency.

What UGE Requires from an Insurance Policy

Unidad de Grandes Empresas y Colectivos Estratégicos (UGE) requires:

• Medical coverage for the entire period of the permit;
• Coverage comparable to the Spanish national healthcare system;
• Without significant co-payments and waiting periods;
• A policy for each applicant and family members in the immigration file.

UGE explicitly states that the following are not accepted:

• travel insurance;
• reimbursement-only policies;
• policies with significant co-payments or waiting periods.

ASISA as a Provider

ASISA is a major Spanish insurer. According to public data in the company's legal notice, the operator is ASISA, Asistencia Sanitaria Interprovincial de Seguros, S.A.U., with address Calle Juan Ignacio Luca de Tena 12, Madrid.

ASISA's distinctive feature is its direct service model through its own medical network: clients access partner network clinics without a reimbursement procedure. This provides a more transparent process for using the policy.

What to Check in the Policy

• Composition of insured persons—correspondence with the family composition in the immigration file;
• Validity period—coverage for the permit period;
• Coverage—sin copagos, sin carencia (no co-payments, no waiting periods);
• Medical network—which clinics are available in the region of residence;
• Territory—Spain and preferably EU.

Registration and Access to Services

Asisa provides a personal account and app for accessing the policy, booking doctor appointments, and communicating with the insurer. For the immigration file, an insurance certificate (electronic copy) is sufficient—the personal account is used when utilizing services.

More details on working with the ASISA app and personal account—separate technical instructions in Asisa App Registration.

Where ASISA Is Suitable

• applicants for Digital Nomad Visa and their family members;
• families with children, especially if there is a convenient ASISA clinic in the region of residence;
• Spanish residence permit programs requiring medical coverage.

Where It's Not Suitable / What to Pay Attention To

• if there is no good clinic in the ASISA network in the region of residence—DKV or another provider with a wider network may be more convenient;
• copago or carencia in the policy—UGE may refuse;
• for autónomos under Digital Nomad Visa, partially replaced by RETA, but UGE may require additional private cover.

Related Materials

• Spain Digital Nomad Visa: regime for remote workers—main article
• DKV: Activa DKV app and using the health insurance policy—alternative insurance provider
• Asisa App Registration—technical instructions
• Spain Entry Declaration—another part of the immigration package
• Beckham Law: Spain's special tax regime