Policies with Copay The option with Copay is more economical. In exchange, you will be asked to pay a small portion of some services. Before choosing this option, please note that: The Spanish consulate only accepts policies without co-payments for Visa/Residency Applications. If you are looking for a health insurance policy to apply for a Spanish visa or Spanish residency, be sure to select the no co-pay option. Premiums for policies with Copay can only be paid by Permanent Direct Debit through a Spanish bank account No Copay The option without copay has a higher annual premium. In exchange, you will never have to pay out of pocket for any services covered by your policy.