Health Insurance in Spain for Expats

Private health insurance for expats, families and visa applicants moving to Spain

Get clear guidance on private health insurance in Spain, visa-friendly DKV cover and the documents needed for your move. We help expats compare options, arrange coverage for individuals or families and prepare the insurance documentation required for many Spanish residence procedures.

Request a quote and our team will review your situation before you purchase.

Get your health insurance quote

Tell us a few details and we’ll review the right health insurance options for your move to Spain.

You can add up to 8 applicants in one request. Need to insure more people? Let us know and we’ll help you.

First name

Surname

Date of birth

Gender

Email

Code

Phone number

Province in Spain

What do you need the insurance for?

Planned arrival date in Spain

Does anyone else need insurance?

Full name

Date of birth

Gender

Relationship to main applicant

Would you like to add another applicant?

Full name

Date of birth

Gender

Relationship to main applicant

Would you like to add another applicant?

Full name

Date of birth

Gender

Relationship to main applicant

Would you like to add another applicant?

Full name

Date of birth

Gender

Relationship to main applicant

Would you like to add another applicant?

Full name

Date of birth

Gender

Relationship to main applicant

Would you like to add another applicant?

Full name

Date of birth

Gender

Relationship to main applicant

Would you like to add another applicant?

Full name

Date of birth

Gender

Relationship to main applicant

Maximum reached: this form supports up to 8 insured people in total, including the main applicant.

Anything else we should know?

Privacy & data protection

Private Health Insurance in Spain for Expats and Visa Applicants

Moving to Spain involves more than choosing a medical plan. The right health insurance depends on your residence route, age, family situation and the type of healthcare evidence requested by the authority handling your application.

Insurance for Expats helps international residents understand their options for private health insurance in Spain. We work with DKV health insurance solutions for individuals and families and help applicants coordinate the policy start date, application documents and insurance certificate used in many Spanish immigration procedures.

Requirements are not identical for every route. A person applying for a Non-Lucrative Visa may need qualifying private medical insurance, while a Digital Nomad Visa applicant may have different healthcare options depending on Social Security coverage. U.S. citizens can also start with our guide to health insurance for Americans moving to Spain.

Our team can explain practical questions such as whether a passport can be used before obtaining a NIE, how family members are included, when the policy should begin, what documents are issued and how the cover works after arrival. If you are comparing broader options, visit our expat health insurance in Spain page.

Health Insurance in Spain: Frequently Asked Questions

Do I need private health insurance for a Spanish visa or residence application?

Yes. For many Spanish visa and residence applications, qualifying private health insurance is required. We help you arrange the appropriate DKV cover and the insurance documentation needed for your application.

Can I arrange health insurance before I have a NIE?

Yes. You can arrange the policy using your passport. You do not need to wait until you have a NIE to start the insurance application.

Can I include my spouse, partner or children on the same request?

Yes. You can include your spouse or partner, children and other family members in the same request. We can coordinate the application and documentation for the whole family.

When can my health insurance policy start?

Your policy can start immediately or be scheduled up to 90 days in advance, depending on your visa process and planned move to Spain. We can help you choose the correct effective date for your application.

Can I change the policy start date after I buy the insurance?

No. Once the insurance has been purchased, the policy start date cannot be changed. The policy can be arranged to start immediately or up to 90 days in advance, so it is important to choose the date carefully before purchase.

The exception is when the visa is refused and the policy is cancelled under the applicable visa-refusal procedure.

Does DKV offer health insurance suitable for expats moving to Spain?

Yes. DKV offers private health insurance suitable for international residents, visa applicants and families moving to Spain. We help you select the appropriate option according to your age, family situation and residence route.

What happens if my visa application is refused?

If your visa is refused, send the official visa refusal letter to BR PROTEKTIA, your insurance intermediary, and we will process the refund request with DKV. There is no fee for this service.

If the policy has not yet started, the amount paid is refunded in full. If the policy has already started, the refund is calculated on a pro-rata basis for the unused period of cover.

Can Americans arrange health insurance before moving to Spain?

Yes. U.S. citizens can arrange their health insurance before arriving in Spain using their passport and can schedule the policy start date up to 90 days in advance. We can also review the planned visa or residence route and help coordinate the insurance documentation for the move.

Comprehensive Insurance for Expats Solutions

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