Non-Lucrative Visa Health Insurance Spain: Complete Requirements & Cost Guide
Private health insurance is mandatory for the Non-Lucrative Visa in Spain — but which policies count, what do they cost, and how do you navigate pre-existing conditions? This complete guide covers everything you need to know to get approved and stay compliant.
Get Your Sanitas Health Insurance Quote
Visa-compliant Sanitas private health insurance for Non-Lucrative Visa applicants is arranged by Spanish Health Insurance, an exclusive Sanitas insurance agent.
Spanish Health Insurance
English-speaking advisers who arrange Sanitas private health insurance for visa applicants and explain what your insurance certificate needs to show before you buy.
Get My Sanitas Health Insurance Quote →My Spanish Visa
We manage your Non-Lucrative Visa application from eligibility to approval. Your health insurance is a separate contract with the insurer.
Get Help With My NLV Application →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.
What Your Insurance Certificate Should Show
Consulates review the certificate, not the marketing brochure. Before you submit, check that it states:
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 ask how any exclusion will appear on your certificate 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.
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.
Health Insurance and Visa Help, Side by Side
Spanish Health Insurance, an exclusive Sanitas insurance agent, arranges your Sanitas policy. My Spanish Visa prepares your Non-Lucrative Visa application. You can use either service on its own, or both.
Last reviewed 17 October 2026 by the My Spanish Visa team