Health Insurance Consultancy for Foreigners

Residence permit applications require valid health insurance covering the permit period requested. In practice it is not only the existence of the policy that is checked; its start date, duration and coverage must also meet the minimum conditions set out in the relevant circular.

Policies with the wrong dates or insufficient coverage lead to the refusal of files that would otherwise proceed without difficulty. At BKT we identify the policy that suits the type of permit you will apply for, check that the period and coverage align, and prepare the insurance document together with the rest of your file.

Who is it for?

• Foreign nationals applying for a residence permit for the first time
• Those who will extend a residence permit and renew their policy
• Families taking out policies for a spouse and children under a family residence permit
• Students who need to meet the insurance requirement in a student residence permit application
• Foreign nationals over the age of sixty-five who apply subject to special conditions
• Employers wishing to check the insurance compliance of their foreign staff

Required documents

The list below is for a typical case. Additional documents may be requested depending on your nationality, the type of application and the practice of the relevant authority; the definitive list is given to you in writing at the initial consultation.

• Passport and, if available, foreign national identity number
• Residence permit application form or appointment details
• Information on the permit period requested
• For family applications, the identity details of the spouse and children
• A copy of the existing policy, if any (for extension and coverage checks)

The process step by step

1. 1

   Identifying the requirements

   The minimum coverage and duration requirements are determined according to the type of residence permit you will apply for.

2. 2

   Choosing the policy

   Policy options that meet the requirements and align with your application date are compared.

3. 3

   Checking the period alignment

   The policy start date is aligned with the appointment and with the permit period requested.

4. 4

   Submitting the document

   The policy document is added to your file and checked together with the other paperwork.

5. 5

   Renewal follow-up

   The time to renew the policy is brought to your attention alongside your permit extension timetable.

Common mistakes

• Having the policy issued so that it starts after the appointment date
• Submitting a policy for a shorter period than the permit period requested
• Choosing a cheap policy that does not meet the minimum coverage requirements
• Overlooking the need for a separate policy for each individual in family applications
• Submitting the file at a permit extension without renewing the old policy