Applying for Spain's Digital Nomad Visa? Your health insurance route may depend on whether you are an employee, freelancer, contractor or company owner. We help applicants review private insurance options where needed.
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Digital Nomad Visa health insurance is not always the same for every applicant. An employee, freelancer, contractor or company owner may need different healthcare evidence depending on their social security position, employer cover, private insurance and dependants. If private insurance is needed, the policy and certificate should be checked before submission. For the main DNV page, see Digital Nomad Visa health insurance and the DNV requirements.
Employees applying through a foreign employer often need private health insurance unless an accepted social security or public healthcare route applies. Freelancers frequently need private cover unless they register for Spanish social security or have another accepted route. Contractors are usually treated by how they are engaged and their social security position, while company owners and directors may have a different position again — private cover is commonly used to support the DNV file where needed.
Employer insurance can help in some cases, but it is often designed for the home country and may not give the certificate wording or Spain cover the DNV needs. Where the social security or public healthcare route does not apply, private health insurance is used instead. Dependants included on a DNV application usually need their own certificate and proof of payment where requested. A common mistake is assuming employer cover automatically satisfies the DNV.
Employee applicants often need private health insurance for the Digital Nomad Visa unless they are covered by an accepted social security or public healthcare route. Check your position before buying.
Freelancers often need private health insurance for the DNV unless they register for Spanish social security or have another accepted healthcare route. This depends on your circumstances.
Employer insurance may help in some cases, but it is often designed for the home country and may not provide the certificate wording or Spain cover the DNV needs. Check the wording carefully.
Contractors are usually treated by how they are engaged and their social security position. Private health insurance is often used where another accepted route does not apply.
Company owners and directors may have different social security and healthcare positions. Private health insurance is often used to support the DNV file where needed.
Dependants included in a DNV application usually need their own healthcare evidence, such as a certificate or proof of cover for each person.
Where private cover is used, a certificate usually needs to show the applicant, insurer, cover period and healthcare cover in Spain, plus any wording your route requires.
Yes, tell us your worker status, dependants and deadline and we will help you review the health insurance route and private options where needed.
The main DNV page.
Read more →What the DNV expects.
Read more →Whether employer cover works.
Read more →Cover for freelancers.
Read more →Cover for company owners.
Read more →Request visa-suitable cover options.
Read more →Tell us whether you are an employee, freelancer, contractor or company owner, plus your age, dependants and deadline. We'll help review the health insurance route and private options where needed.
Tell us your worker status, dependants and deadline and we'll help you understand the health insurance route for your Digital Nomad Visa, and review private options where needed. There's no obligation.