Non-Lucrative Visa

Non-Lucrative Visa Health Insurance That Meets Consulate Requirements

The policy consulates expect for the Non-Lucrative Visa: comprehensive cover with no co-payments and no waiting periods, a certificate in Spanish naming every applicant, and continuous cover at every renewal.

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Mandatory for visa approval Personalised quotes Insurer authorised in Spain No co-payments

Applying for the Non-Lucrative Visa yourself, or through another agency?

You can arrange your health insurance through us even if you apply for your visa yourself or use another provider. We quote the policy and check the certificate wording against your consulate’s checklist.

  • The Residents visa plan (Residents Visado), issued without co-payments
  • Certificate in Spanish naming every applicant, with the policy start date agreed with the insurer
  • Couples and families on one quote, with each person named
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Quotes come from our insurance partner. Your policy is a separate contract with the insurer, and acceptance depends on the health questionnaire.

🔒 Policy requirement Mandatory for NLV
💶 Price Personalised quote
✓ Key feature Sin copago (zero co-pay)
🔄 At renewal Proof required again

Get Your Health Insurance Quote

Visa-compliant private health insurance for Non-Lucrative Visa applicants is arranged by our insurance partner.

Health Insurance

Our Insurance Partner

English-speaking advisers who arrange private health insurance for visa applicants and explain what your insurance certificate needs to show before you buy.

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Visa Application Support

My Spanish Visa

We manage your Non-Lucrative Visa application from eligibility to approval. Your health insurance is a separate contract with the insurer.

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What the Non-Lucrative Visa Requires

Spain’s immigration regulations require Non-Lucrative Visa applicants to hold health insurance (Royal Decree 1155/2024, art. 61.2(b)). The regulation itself is short, so the detail comes from the consulate that handles your application.

In practice, consulates ask for comprehensive private health insurance with an insurer authorised to operate in Spain, with no co-payments and no waiting periods, starting when you arrive and covering at least the first year. Each consulate publishes its own checklist, and that checklist is the one to follow.

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Travel insurance and policies that only refund medical bills are not accepted as NLV health insurance. If you are unsure whether a policy will be accepted, check the certificate wording before you pay.

What Your Insurance Certificate Should Show

Consulates review the certificate, not the marketing brochure. Before you submit, check that it states:

✓The insurer is authorised to operate in Spain
✓Comprehensive cover: GP, specialists, hospital and emergencies
✓No co-payments (sin copagos)
✓No waiting periods (sin carencias)
✓Policy dates that match your planned arrival and the visa period
✓The name of every applicant covered

Some consulates also ask to see that the premium is paid for the full year, or that repatriation is included. Check your consulate’s list before you buy.

Price, Pre-Existing Conditions and Families

What affects the price

The premium depends mainly on each applicant’s age, where in Spain you will live and your medical history. A personalised quote is the only reliable figure.

Pre-existing conditions

Insurers assess your health questionnaire before offering cover. A condition may be accepted, excluded or affect the premium, and no applicant is guaranteed acceptance. Answer the questionnaire fully, and check any exclusion against your consulate’s requirements before you apply for the visa.

Couples and families

Every person on the application needs their own cover, including children. A single family policy can cover the whole household, as long as the certificate names each person.

Applying at 60, 65 or Older

Many Non-Lucrative applicants are retiring. Age affects the premium more than anything else, and older applicants are assessed through the same health questionnaire, so:

  • Ask for your quote as soon as your appointment is likely, so any medical questions don’t hold up the certificate.
  • Declare every condition, and check any exclusion against your consulate’s requirements.
  • Whether a plan accepts new applicants at your age is confirmed in your quote.
  • Plan to keep the policy for the long term: Non-Lucrative Visa holders are not automatically entitled to Spain’s public health system, and each renewal checks continuous cover.

Applying from your home country

Your consulate’s checklist is the one to follow: check its current healthcare evidence requirements against your actual cover. Country guides: United States · Canada · United Kingdom · Australia · New Zealand · moving as a family.

Keeping Your Cover at Renewal

When you renew your Non-Lucrative residence, you must show that your health insurance has continued without a break. Keep the policy active, renew it before it lapses and keep each year’s certificate. Our NLV renewal health insurance guide covers the renewal stage in detail.

How Buying Your Policy Works

What happens between asking for a quote and handing your certificate to the consulate:

  1. Get a quote. Tell our insurance partner who is applying, each person’s age and where you will live in Spain.
  2. Answer the health questionnaire. Each applicant declares their medical history. The insurer decides whether to accept, exclude or price any condition, so declare everything — an undisclosed condition can affect your cover later.
  3. Choose the start date — normally your planned arrival date, running for at least the first year.
  4. Accept the offer and pay. Payment terms are set by the policy rather than chosen freely: some visa policies must be paid annually upfront, and some consulates expect to see the year paid. Your quote states the terms that apply to you.
  5. Receive your certificate. Once your application is accepted and paid, the certificate is issued. It can show a future start date agreed with you, so you can have it for your appointment before your cover begins. It should be in Spanish and name each applicant, the policy dates, full cover in Spain, no co-payments and no waiting periods. It goes in with your visa application.

Plan the policy and certificate before your appointment

Start the insurance assessment early enough to resolve medical questions and document requests. Agree the required cover period and accepted policy start date before payment. Do not assume the policy can begin on any arrival day.

Check the competent consulate’s current healthcare evidence requirements against the actual cover. Your insurance enquiry and My Spanish Visa’s NLV application support can be arranged separately.

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Health insurance quotes come from our insurance partner. Your health insurance is a separate contract with the insurer. Compare the requirements for every Spain visa.

NLV Insurance Timing Questions

Arranging cover before the decision, and replacing an existing policy.

Can I arrange insurance before my visa is approved?

Eligible insurance can be arranged before the visa decision. Agree the required cover period before paying, and check acceptance, payment and certificate arrangements with the insurance partner.

Should I cancel my existing policy before applying for replacement cover?

Check the new insurer's acceptance, terms and effective date first, alongside your existing cancellation obligations. Do not create a cover gap while a replacement application is still being assessed.

Health Insurance and Visa Help, Side by Side

Our insurance partner arranges your policy. My Spanish Visa prepares your Non-Lucrative Visa application. You can use either service on its own, or both.

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Last reviewed 17 October 2026 by the My Spanish Visa team