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Health Insurance for Spanish Residency
We find and arrange a full-coverage policy that the Spanish immigration office accepts. The policy is usually ready in 2–3 business days.
Most Spanish residence permits that are not based on a job with a local company require private health insurance. The rules for health insurance for Spanish residency are stricter than for travel cover: the insurer must operate in Spain, the coverage must match the public health system, and the policy must have no copays for visits (sin copagos) and no waiting period (sin carencias). It has to cover the whole period of the permit you are requesting, or at least the first year with renewal.
We select a policy for your specific type of permit and check the wording of the insurance certificate that goes into your file. This is where many applicants stumble: the policy exists, but the insurer's certificate does not mention full coverage, or there is a deductible. Arranging the policy usually takes 2–3 business days. You pay the premium directly to the insurance company.
Who it is for
- Applicants for the Spain digital nomad visa
- Students and their families applying for a student residence permit
- Residents renewing a permit who must show a valid policy
- Families who need a policy for a spouse and children
Requirements
- An insurance company operating in Spain
- Coverage equal to the Spanish public health system
- No copays for visits and services (sin copagos)
- No waiting period (sin carencias)
- Valid for the full period of the permit, or at least one year
- An insurer's certificate with the wording the immigration office expects
What we do
- Confirm which permit the policy is for and what its requirements are
- Select a suitable policy for you and your family members
- Help you fill in the insurer's application form
- Check the certificate and terms before you pay
- Hand over the documents to attach to your file
- Remind you to renew the policy before your permit renewal
Key documents
- Passport of each insured person
- NIE, if you already have one
- Your address in Spain, current or planned
- The insurer's health questionnaire, if required
- Payment details for the policy
How it works
- Requirementswe confirm the type of permit, the period and which family members need cover
- Selectionwe offer a policy that meets immigration requirements
- Applicationwe help you fill in your details and the health questions
- Issueusually 2–3 business days until the policy and certificate are ready
- Checkwe compare the certificate with the requirements before you file
Timeline
The policy and certificate are usually ready in 2–3 business days.
Timelines are approximate: government agencies, consulates and banks set them.
What to watch out for
- Travel and international policies with a deductible usually do not work for a Spanish residence permit
- A certificate without wording on full coverage and no copays can trigger a request for more documents
- Monthly payments without proof that the policy is valid for the full period sometimes raise questions
- The insurer may refuse or limit coverage for chronic conditions, so they need to be declared honestly
FAQ
How much does it cost?
Our service fee is from $200. Government fees, translations, insurance and other mandatory costs are paid separately; we send the full estimate before you sign.
What health insurance do I need for Spanish residency?
A private health policy from an insurer operating in Spain, with full coverage, no copays for visits and no waiting period. It must be valid for the full term of the permit, or at least one year. Travel policies, as a rule, do not qualify.
Does this insurance work for the digital nomad visa?
Yes, the digital nomad visa requires exactly this type of insurance. The exception is if you are covered by the Spanish social security system, for example when you work as an autónomo. Then a different approach is needed, and we will go through it with you.
Can I pay for the insurance monthly?
Many insurers allow it. But the immigration office needs the policy to be valid for the whole period, and sometimes asks for proof of annual coverage. We will tell you which option is safer for your application.
How long does it take to arrange?
Usually 2–3 business days, as long as the insurer has no questions about your health form. If you have chronic conditions, the insurer's review may take longer, so it makes sense to start early.
Do my children need insurance too?
Yes, every family member who receives a residence permit must be insured. A family policy usually covers everyone at once, which is simpler for the file as well. We check that each person is named on the certificate before you file.
Do you guarantee the result?
No. Decisions are made by government agencies, consulates and banks. We are responsible for preparing and checking documents, filing and support, and we tell you about the risks upfront.
Related programs
Let’s discuss your case
We will check whether the program fits your citizenship, income and family, and send an estimate with the full list of costs.
