Insurance for Expats in Spain
Private health insurance and visa-focused cover for expats, families and international residents moving to Spain
Get clear guidance on private health insurance in Spain, visa-friendly DKV cover and the documents needed for your move. If you are applying for residence, review our Non-Lucrative Visa health insurance and Digital Nomad Visa health insurance guides. 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.
Find the right insurance for you
Choose the type of insurance you need. We’ll only ask the questions relevant to your case.
Visa-friendly cover
Cover designed for Spanish residence procedures.
Personal guidance
Support before you choose and after you apply.
Documentation for Spain
Clear insurance documentation for your move.
Health Insurance in Spain, Built Around Your Move
Different expats need different healthcare solutions. Start with the situation closest to yours and we will help you understand the next step.
Visa applicants
Insurance guidance for Non-Lucrative Visa and other residence procedures.
Families
Private medical cover coordinated for couples, children and family moves to Spain.
Americans moving to Spain
A dedicated starting point for U.S. citizens planning healthcare before relocating.
Seniors & long-term residents
Private health insurance information for retirement and longer-term life in Spain.
Health Insurance for Spanish Visas and Residency
Health insurance requirements in Spain depend on the residence route, the applicant and the evidence requested in the procedure. Many visa and residence applications require qualifying private medical cover, while other routes may allow different healthcare arrangements.
BR PROTECTIA helps expats understand the practical insurance side of moving to Spain: choosing an appropriate DKV option, coordinating the policy start date and preparing the insurance documentation used in many residence procedures.
If you are applying for a Non-Lucrative Visa, see our dedicated health insurance guide. For the Digital Nomad Visa, healthcare requirements can differ depending on your Social Security position. U.S. clients can also start with our guide to health insurance for Americans moving to Spain.
For a broader overview of private medical cover, compare our private health insurance in Spain information or explore expat insurance in Spain.
DKV Health Insurance, with Regulated Local Support
BR PROTECTIA SL acts as an exclusive insurance agent within its agency relationship with DKV Seguros y Reaseguros, S.A.E. We identify the customer’s insurance demands and needs and provide clear product information so the customer can make an informed decision.
Product summaries and explanations do not replace the contractual documentation issued by DKV Seguros, which prevails in the event of any discrepancy.
BR PROTECTIA SL
Insurance distributor: Exclusive insurance agent
DGSFP registration: C0161B27662188
Insurer represented: DKV Seguros y Reaseguros, S.A.E.
Based in: Madrid, Spain
Health Insurance in Spain: Frequently Asked Questions
What health insurance do I need for a Spanish visa or residence application?
It depends on the residence route. Many applications require qualifying private health insurance, while some applicants may have a different healthcare route through Social Security or another recognised arrangement. We review the planned residence procedure before the insurance application so the cover and documentation can be coordinated appropriately.
Can I arrange DKV health insurance before I have a NIE?
Yes. In the cases we process, the insurance application can be started using a passport, so you do not normally need to wait for a NIE before arranging cover.
Does health insurance for a Spanish visa need to be without copayments?
Requirements depend on the specific immigration procedure and the policy being used. Before purchase, we explain the relevant DKV product information and the documentation available for your residence route so you can make an informed decision.
Can I buy health insurance before arriving in Spain?
Yes. Cover can be arranged before arrival. For the visa-focused process we handle, the policy start date can generally be scheduled up to 90 days in advance, allowing it to be coordinated with the planned application and move.
Can my spouse, partner or children be included?
Yes. We can coordinate applications for couples and families and prepare the corresponding insurance documentation for each insured person.
What documents will I receive for my visa or residence application?
DKV issues the contractual policy documentation and, where applicable, the insurance documentation used to evidence cover for the relevant residence procedure. The exact documents depend on the product and the status of the policy.
What happens if my visa is refused?
Send BR PROTECTIA the official refusal letter so we can process the applicable request with DKV. Where the visa-refusal procedure applies, a policy that has not started may be eligible for a full refund; if cover has already begun, any refund is handled according to the applicable terms and unused period of cover.
Who distributes the insurance offered through this website?
BR PROTECTIA SL is registered with the Dirección General de Seguros y Fondos de Pensiones (DGSFP) as an exclusive insurance agent under registration key C0161B27662188. BR PROTECTIA acts within its agency agreement with DKV Seguros y Reaseguros, S.A.E. Full regulatory information is available on our Insurance Distribution Information page.
