Health Insurance for Non-Lucrative Visa Spain
If you want to live in Spain on a non-lucrative visa or residence permit, you need private health insurance that meets the requirements set by the Spanish Consulate. This insurance must provide full coverage, with no co-pays and no capital limit. At Health4Spain we connect you with the right professional in under 24 hours, at no cost to you.
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ChangeWhy do you need health insurance for the non-lucrative visa?
Spanish law requires valid private health insurance for the entire period of stay
The Consulate verifies this requirement at the time of application — without insurance, the visa is denied
The insurance must cover the entire Spanish territory, with no co-pays or deductibles
It must include hospitalisation, emergencies, consultations and surgery
It must be issued by an insurance company authorised to operate in Spain
How we help you
Health4Spain is neither a broker nor a comparison site: we put you in touch with a verified professional in Spain who speaks your language and reviews with you the insurance your non-lucrative visa requires. Free for you, with a reply within 24 hours.
Request contact →Insurance requirements for non-lucrative visa
An advisor in your language
Verified professionals in Spain who speak your language.
Your case reviewed
The advisor checks with you what your consulate requires for the insurance.
Reply within 24 hours
We get back to you within one day.
Free for you
Getting in touch with the advisor costs you nothing.
Need help with any of these services?
Request free informationFrequently asked questions
What insurance do I need for a non-lucrative visa in Spain?
Consulates usually ask for private health insurance from an insurer authorised in Spain, with full cover, no co-payments, no waiting periods and repatriation for the whole residence period. Each consulate has its own details: a verified advisor checks with you what yours requires before you sign.
How much does non-lucrative visa insurance cost?
It depends on age, cover and how many people are moving, so we do not give generic prices. The advisor prepares a proposal based on your case. For the visa, the policy is paid annually: monthly or split payments are not offered.
Can I take out the insurance without an NIE?
Usually yes: many insurers let you take it out with your passport. The advisor confirms which documents the company asks for in your case and the best order for each step.
What does Health4Spain do and what does it cost me?
Health4Spain is not an insurer, a broker or a comparison site. We put you in touch with a verified professional in Spain who speaks your language, reviews your case and advises you. It is free for you and we reply within 24 hours.
Request information
We connect you with verified professionals in less than 24 hours.
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We connect you with an advisor specialising in insurance for non-lucrative visas. No cost, no obligation. Response in 24 hours.
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