Need private health insurance for a Spanish visa, residency application or renewal? We help English-speaking applicants understand the cover they may need and request suitable, certificate-ready options for the Non-Lucrative Visa, Digital Nomad Visa, Student Visa, Family Reunification and more.
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Each route has its own requirements and its own pitfalls. Start with the visa you’re applying for and we’ll help you request suitable cover.
For retirees and financially independent applicants moving to Spain without working.
NLV insurance →For remote workers, freelancers and company owners — and a check of any cover you already hold.
DNV insurance →For non-EU students on language, university and postgraduate courses.
Student insurance →For spouses, partners and dependants joining a family member in Spain.
Family insurance →For applicants who need private cover for residency or a residence permit.
Residency insurance →For people renewing NLV, DNV, Student Visa, TIE or residence permits in Spain.
Renewal insurance →Spanish visa health insurance isn’t the same as a basic budget private plan or a travel policy. Consulates look for genuine, ongoing medical cover that behaves like the protection a resident would have under the Spanish system. While wording differs by consulate and route, the same themes come up again and again.
Applicants are commonly asked for cover from an insurer authorised to operate in Spain, with private medical cover broadly comparable to the protection expected under Spain’s public healthcare system. For many residence routes the policy should have no copayments and no waiting periods for required care, and you’ll usually need a certificate or proof of cover matching each applicant. Our main visa health insurance guide explains it all in depth — and the feature pages below cover the details that catch people out.
The strict no-copay, no-deductible Non-Lucrative Visa requirements explained.
Read more →Whether your employer or global cover actually qualifies for the DNV.
Read more →What student applicants need, and how age can affect the options.
Read more →Why a policy number isn’t enough, and what the certificate should show.
Read more →Why the lowest-priced plan is so often the wrong one for a visa.
Read more →Why travel cover usually isn’t suitable for a residence visa.
Read more →How to arrange cover on your passport before you have an NIE.
Read more →What to do when your appointment is close and you need cover fast.
Read more →Visa type, nationality, who’s applying and your appointment date.
We look at the type of policy normally needed for your route.
You decide which option suits your situation, timing and budget.
Where available, you receive the documents to support your visa file.
For most Spanish residence visa routes, private health insurance is one of the core supporting documents, and applicants are normally expected to provide proof of suitable cover at their appointment. It sits alongside other requirements such as evidence of funds and accommodation. The exact rules vary by visa type, consulate and your circumstances, so while it’s safe to assume you’ll need cover, always check the latest official checklist for your specific route. Our main visa health insurance guide walks through it in detail.
Spanish visa applications normally require private medical health insurance from an insurer authorised to operate in Spain, covering the risks insured by the public health system. Depending on the route and consulate, the policy commonly needs no copayments and no waiting periods for required care, and a suitable certificate. It should not be an ordinary travel policy. Because the wording differs between consulates, it’s best to confirm your specific requirements and request a policy designed for Spanish visa purposes.
In most cases, no. Travel insurance is designed for temporary trips rather than ongoing healthcare in Spain. Residence visas normally require private health insurance from an insurer authorised to operate in Spain, and some official Non-Lucrative Visa guidance states travel insurance with medical assistance will not be accepted. See our travel insurance vs visa health insurance guide for the full comparison.
Often, yes to both. Many policies can be arranged in advance, and frequently before you have an NIE, using your passport details — because you usually need proof of insurance as part of the process that leads to the NIE. The start date should match your visa plan. Our health insurance without an NIE guide explains how it works.
We do not currently work with insurers that offer new visa-suitable private health insurance policies for applicants over 75. If an applicant is over 75, they may need to explore public healthcare access, S1 entitlement where applicable, existing cover or specialist residency advice. We can still review private options for any family members aged 75 or under.
Tell us your visa type, nationality, age and appointment date and we’ll help you find suitable private health insurance options for your Spanish visa, residency or renewal application — with English-speaking support and certificate-ready cover.
Get Your Spanish Visa Health Insurance QuoteGet a quote for visa-suitable health insurance before your appointment.
Tell us your visa type, who’s applying and your appointment date. We’ll help you find suitable, certificate-ready cover. Quick quote request · English-speaking support · No obligation
Dates of birth are used to check available health insurance options and pricing.