What Sets the Price
- Age — the biggest single factor; premiums usually rise as you get older.
- Where you live — prices vary by province.
- Medical history — the health questionnaire can lead to an exclusion or a higher premium.
- Plan and co-payment level — plans with co-payments usually cost less each month. For visa purposes, you typically need a no-copayment plan — see no-copay health insurance for a Spanish visa.
- Extras — dental, worldwide reimbursement and similar benefits add to the premium.
- Family cover — covering several people on one policy changes the price per person, so ask for one quote for the household.
Visa Policies vs Resident Policies
A policy for a Non-Lucrative, Digital Nomad or Student visa must have no co-payments and no waiting periods, which rules out the cheapest co-payment plans. If you don’t need cover for a visa, you can choose a co-payment plan for a lower premium. See which plan suits you.
Annual vs Monthly Payment
Payment terms depend on the policy. Some visa policies must be paid annually upfront, and some consulates expect to see the year paid; your quote states the terms that apply.
International vs Spanish Domestic Plans
Some expats choose international plans for worldwide cover. For a visa, any plan must give comprehensive cover in Spain from an insurer authorised to operate in Spain, with no co-payments or waiting periods — check the certificate before relying on one.
Budgeting for Health Insurance
Get a quote before you set your budget, and allow for premiums rising with age. Health insurance should be factored into your NLV income requirement calculations. When you compare quotes, our checklist for choosing NLV health insurance covers what to check beyond the price, and our guide to choosing private health insurance covers resident cover too.
Why We Don’t Publish Prices
Published price bands go out of date quickly and rarely match an individual quote. Every quote from our insurance partner is personalised to the people covered, where you live and the plan.
You don’t need a visa — or our visa service — to buy health insurance through us.
Get My Health Insurance Quote Choose Your SituationQuotes come from our insurance partner. Your policy is a separate contract with the insurer, and acceptance depends on the health questionnaire.