Hi Vernon, on one side almost of the private medical insurance providers issue a separate certificate or letter to go with the policy just for residencia purposes or applications. On the other side, many of the medical companies establish a difference between 'medical hospital stay' (when no surg...
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...ery takes place but yes in-patient treatment) limiting the period covered per year to 30 or 60 days depending on the plan, and 'surgical hospital stay' (when a surgery takes place), this without any limit of days, so unlimited.
Although the regulation and requirements in this regard are uniform for all Spain, this seems to be interpreted differently according to which police station and officer in question. Our clients from Orihuela Costa area for example never had problems so far, while in Elche yes for instance.
Kind regards, Alfonso