After reading this thread, *I have come to the same conclusion. *Where is the benefit?*
The only possible advantage I can see is if you get confirmation your paperwork has been approved prior to coming to DGM.
I am doing the renewal now and not off to a great start. I am using the same law firm I have used in the past but this time let's just say so far not a happy camper. I questioned the firm in the beginning if I needed a letter from the bank. Now the day before we go to DGM I get an email I need a bank letter.... Never any mention of insurance as an alternative.
Off to DGM we go. I wasted the entire day with zero, ziltch results. Something to do with "lost in the system". We all know what that means.
Also finally realize I never actually come in contact with a bon a fide lawyer but a law student who does the running around. This renewal was the first time I was asked to email documents prior to DGM day. After reading this thread I am beginning to think the application was done online because in the past I never handed over the documents until the actual day of going to DGM.
So after wasting the entire day it dawns on me my physical body is only needed to show up for the medical exam and to show up to sign the final documents prior to receiving the cedula and residence card.
This would be a nice side hustle for an expat who is fluent in Spanish, especially those on the north coast. Line up a couple of expats, do the online application, two trips to the capital with clients and make a nice small piece of change.
The insurance? Can anyone confirm if the $115 fee is just for a one year premium only?