Private Health Insurance Requirements for Expats in Spain

  • February 15, 2024

What Health insurance do I need for NLV Visa, Golden or Digital Nomad Visa in Spain?

Moving to Spain as an expatriate comes with a myriad of considerations, among which securing private health insurance stands as a top priority. For individuals applying for Non-Lucrative Visas (NLV), Golden Visas, or nomad visas, understanding the intricacies of private health insurance options, estimated costs, and visa requirements is essential for a smooth transition. Most visas in Spain require one year of complete coverage with no deductible for all people on the visa application. In this comprehensive guide, we delve into the various private health insurance companies in Spain, their offerings, estimated costs, and the necessary information for visa applications.

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Adeslas health insurance has clinics for their members in most central neighborhoods with discounted pricing. The cost of dental procedures at this one show is 50% less for Adeslas members.

How much does private insurance cost in Spain?

Your private insurance provider will send you a document to include in your visa application showing that you have qualifying coverage. This is a real example of a document for Adeslas private insurance in Spain for a Spain Non-Lucrative Visa for a family of 5 people. 3,060 Euros for a year of complete coverage with no cost to the family when they visit doctors for one year.

This needs to be paid in advance of submitting you application for visa in Spain.

What are the top private health insurance companies in Spain?
  1. Adelas Health Insurance: Adelas is a prominent private health insurance provider in Spain, offering comprehensive coverage tailored to the needs of expatriates. Their plans encompass a wide range of medical services, including hospitalization, outpatient care, and specialist consultations. Adelas prides itself on its network of healthcare professionals and modern facilities, ensuring prompt and quality healthcare for policyholders.
  2. Asisa Health Insurance: Asisa is another leading player in the Spanish private health insurance market, renowned for its extensive network of medical centers and personalized services. Their insurance plans cater to individuals, families, and expatriates, offering flexible coverage options at competitive prices. Asisa prioritizes accessibility and affordability, making it a popular choice among expats seeking reliable healthcare coverage in Spain.
  3. Sanitas Health Insurance: Sanitas stands out as one of the largest private health insurance companies in Spain, with a diverse portfolio of insurance plans designed to meet the varying needs of expatriates. From basic coverage to comprehensive packages, Sanitas offers a range of options to suit different budgets and preferences. Additionally, Sanitas boasts a network of affiliated hospitals and clinics, ensuring easy access to medical services across the country.
  4. DKV Health Insurance: DKV is renowned for its innovative healthcare solutions and customer-centric approach, making it a preferred choice for expatriates in Spain. Their insurance plans encompass a wide array of services, including preventive care, specialist consultations, and emergency assistance. DKV places a strong emphasis on digital health solutions, providing policyholders with convenient access to healthcare resources and telemedicine services.
  5. Salus Global Health Insurance: Salus Global is committed to providing comprehensive and affordable healthcare coverage for expatriates in Spain. Their insurance plans feature extensive benefits, including hospitalization, diagnostic tests, and rehabilitation services. Salus Global prioritizes transparency and customer satisfaction, offering straightforward policies and dedicated support to policyholders.
How much will health insurance cost in Spain for my Visa application?

The cost of private health insurance in Spain varies depending on factors such as age, medical history, coverage level, and insurance provider. On average, expats can expect to pay anywhere from €50 to €200 per month for individual coverage, with family plans and comprehensive packages typically costing more. Plan on about $70 per person per month.

For example, a basic insurance plan from Adelas may start at around €50 per month for an individual, providing essential coverage for outpatient care and emergency services. In contrast, a comprehensive plan from Sanitas or DKV with additional benefits and higher coverage limits may cost upwards of €150 per month.

It’s important for expatriates to carefully review the coverage details, exclusions, and limitations of each insurance plan to ensure it meets their specific needs and budget. Factors such as deductibles, copayments, and maximum coverage limits should also be considered when comparing insurance options.

What visa types in Spain requires private health insurance for expats in Spain?

When applying for Non-Lucrative Visas (NLV), Golden Visas, or nomad visas in Spain from the US, private health insurance is typically a mandatory requirement. Applicants are required to demonstrate proof of sufficient healthcare coverage for expats for the duration of their stay in Spain.

The insurance policy must meet certain criteria set forth by Spanish authorities, including coverage for medical expenses, hospitalization, and repatriation in case of emergency. It’s essential to obtain a comprehensive insurance policy from a reputable provider that complies with the visa requirements to ensure a successful application process.

Links to Cited Private Health Insurance Companies in Spain:

  1. Adelas Health Insurance: Website
  2. Asisa Health Insurance: Website
  3. Sanitas Health Insurance: Website
  4. DKV Health Insurance: Website
  5. Salus Global Health Insurance: Website

Navigating the private health insurance landscape in Spain can be daunting for expats, but with thorough research and careful consideration, individuals can find the right coverage to meet their needs. By exploring the offerings of reputable insurance companies such as Adelas, Asisa, Sanitas, DKV, and Salus Global, expats can secure comprehensive healthcare coverage that aligns with their lifestyle and budget. Moreover, understanding the Spain health insurance visa requirements and ensuring compliance with Spanish regulations is crucial for a seamless relocation process. With the right information and resources at their disposal, expats can embark on their journey to Spain with confidence, knowing they have reliable healthcare coverage in place.

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