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
We are not an insurance company. We are the bridge between you and the best professionals in the sector. When you contact us, an advisor specialising in expats analyses your profile (age, city of residence, visa duration, medical history) and presents you with the most suitable options from companies like ASISA, Caser or other authorised insurers. You decide. We charge nothing.
Request contact →Insurance requirements for non-lucrative visa
Coverage across all of Spain
The insurance must be valid in all autonomous communities with no geographical restrictions
No co-pays or deductibles
Access to medical care cannot have additional costs for the insured
Hospitalisation and surgery
Full coverage for hospitalisation, surgical procedures and emergencies
Full validity period
The insurance must remain valid for the entire residence period requested
Authorised Spanish insurer
Must be issued by a company licensed to operate in Spanish territory
Need help with any of these services?
Request free informationFrequently asked questions
How much does health insurance for the non-lucrative visa in Spain cost?
The cost varies depending on the age of the insured, the company chosen and the coverage. As a guide, for a 50-year-old adult, the typical range is 60 to 130 euros per month. We give you a personalised quote with no obligation in under 24 hours.
Can I take out insurance without already having a NIE?
Yes. Several insurers allow you to sign up with your passport while your NIE is being processed. We handle it for you.
Does it cover pre-existing conditions?
It depends on the company and the type of policy. There are specific options for people with pre-existing conditions. We advise you based on your case.
Does the insurance cover repatriation to my home country?
Yes, most policies include repatriation coverage and medical transfer to your home country if needed.
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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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