Expat Health Insurance in Spain
Private Health Insurance for Visas, Residency & Relocation
Comprehensive private health insurance designed specifically for expats moving to Spain.
Fully compliant with Spanish immigration and residency requirements for:
- Digital Nomad Visa (DNV)
- Non-Lucrative Visa (NLV)
- Student Visa
- Family Reunification
- Residency Renewals
- EU Residency Registration
Health Insurance for Expats Moving to Spain
If you are planning to move to Spain, obtaining the right private health insurance is an essential part of your visa or residency application. Spanish immigration authorities require foreign applicants to hold comprehensive healthcare coverage that meets specific legal requirements, and choosing the wrong policy can lead to delays or issues during the process. Our expat health insurance solution was specifically designed for foreigners relocating to Spain and complies with the requirements commonly requested for visas and residency permits.
Who Is This Insurance For?
Expat Health Insurance Designed for International Relocation
This insurance is ideal for:
- Americans Moving to Spain
- Planning long-term relocation, retirement, or remote work in Spain.
- Digital Nomads in Spain
- Remote workers and freelancers applying for the Spain Digital Nomad Visa.
- Retirees Relocating to Spain
- Foreign residents seeking private healthcare access and visa compliance.
- International Students
- Students requiring private health insurance for long-term study visas.
- Families Relocating to Spain
- Families applying for residency, reunification, or long-term relocation.
- The policy is specifically intended for foreign nationals using a passport or NIE for immigration and residency procedures in Spain.
Why Expats Choose Private Health Insurance?
This private health insurance policy is specifically designed for expats and international residents in Spain.
The policy includes the key characteristics generally required by Spanish immigration authorities:
- No co-payments
- Full healthcare coverage comparable to the Spanish public healthcare system
- No waiting periods for most medical services
- Annual policy valid for residency procedures
- Coverage throughout all Spain
- Visa certificate included
- Immediate activation from the effective date
- Accepted for immigration and residency applications
According to the official policy documentation, the insurance includes comprehensive healthcare coverage without co-payments, annual validity, and nationwide coverage across Spain.
This makes it an ideal solution for expats applying for residency in Spain.
Fully Compliant with Spanish Visa & Residency Requirements
A Practical Healthcare Solution for Living in Spain
Expats moving to Spain choose private health insurance because it provides both immigration compliance and reliable healthcare access.
Key benefits include:
- Meet Spanish visa and residency requirements
- Access private doctors and hospitals in Spain
- Avoid long waiting times
- Nationwide medical coverage
- Choose your specialists freely
- Coverage for relocation and long-term residency
- Peace of mind during your move to Spain
The policy also includes emergency travel assistance abroad for trips up to 180 days with coverage up to €30,000.
Digital Healthcare for Modern Expats
Private Healthcare Designed for International Lifestyles
Moving abroad requires flexibility and easy access to healthcare services.
This insurance includes a modern digital healthcare ecosystem designed for expats living in Spain:
- Online medical appointments
- Telemedicine & video consultations
- Digital medical card
- 24/7 medical assistance lines
- Health management mobile apps
- Specialist medical support services
The official DKV digital ecosystem includes telemedicine tools, medical apps, specialized support lines, and digital healthcare management services.
What Does the Insurance Cover?
This expat insurance policy provides access to one of the largest private healthcare networks in Spain, including more than 51,000 medical professionals and over 1,000 medical centers nationwide.
Coverage includes:
- General medicine and primary care
- Specialists and diagnostic tests
- Hospitalization and surgery
- Emergency medical assistance 24/7
- Ambulance services
- Oncology treatments and hospitalization
- Physiotherapy and rehabilitation
- Pediatric care
- Travel medical assistance abroad up to €30,000
- Online medical consultations and telemedicine services
Requirements
Visa or Residency Process
The insurance must be linked to an active visa or residency application in Spain.
Valid passport or NIE
We understand the needs of expats moving to Spain, which is why you can register using either your passport.
Non-Spanish Citizenship
This insurance is designed for foreign nationals applying for residency or visas in Spain.
Ages 0-75
It covers you until your 75th birthday.
Health Declaration
Applicants may be required to complete a health questionnaire during the application process.
Annual policy payment required
This is an annual insurance policy and must be in force for at least one year.
Features of the Expatriate Insurance
No copayments
- No co-payments for any use of health insurance
No waiting periods
- This insurance created to be similar to public health has no waiting period (completely eliminated). You can access all the specialties and methods of diagnosis and hospitalization from the first day of your health insurance. Except maternity coverage
Compliant with Spanish visa requirements
- Fast certificate issuance for immigration procedures Refund guarantee if the visa is denied
- Refund guarantee if the visa is denied
Testimonials
FAQ expat medical insurance
Is private health insurance mandatory for Spain visas?
Yes. Most Spanish visa and residency applications require private health insurance that complies with immigration requirements, including comprehensive coverage, annual validity, and no co-payments.
What is the best health insurance for expats in Spain?
The best expat health insurance in Spain is a policy that combines comprehensive medical coverage with compliance for immigration and residency procedures.
Does this insurance work for the Spain Digital Nomad Visa?
Yes. This policy is designed to comply with the requirements commonly requested for Spain’s Digital Nomad Visa applications.
Is this insurance accepted for the Non-Lucrative Visa in Spain?
Yes. The policy includes the characteristics generally required for Non-Lucrative Visa (NLV) applications, including full coverage and no co-payments.
Can international students use this insurance in Spain?
Yes. The insurance is suitable for international students applying for long-term study visas in Spain.
Does the insurance include a visa certificate?
Yes. A visa certificate suitable for immigration procedures in Spain is included with the policy.
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